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ACL Meniscus Surgery with no Insurance?

by tom44 on March 19, 2014

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Question by brooke: ACL Meniscus Surgery with no Insurance?
Hi, im 20 years old I live in north Carolina and I tore my acl and meniscus playing basketball the doctor said my knee looks 40(that’s not good) so more than likely im a need surgery I don’t have job im a full time student I already have over 2,000 dollars in hospital bills and I don’t have any insurance, If I don’t get the surgery I won’t be able to work/school etc.. let alone walk what are my options PLZ HELP!!!!

Best answer:

Answer by Common Sense
Talk to the hospital for possible options.

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3 thoughts on “ACL Meniscus Surgery with no Insurance?

  1. mbrcatz says:

    Your options are to either ask your parents to pay for it, or to take out a loan to pay for it, or see if you can work out a discounted price for the doctor to do it, and you’ll just owe him the money.

    I’d suggest it’s pretty clear, at this point, that you can’t afford to be a full time student any more.

  2. StephenWeinstein says:

    Your options are:

    1) Pay for the surgery using money, without using insurance.
    2) Wait until it gets so bad that you become disabled. When that happens, apply for medicaid and use medicaid to get the surgery.
    3) Live in a state where insurance companies can deny a person insurance because of existing medical conditions. Apply for any health insurance that you are sure will deny you because of your existing condition. After you are denied, apply for whatever government-run program provides insurance to individuals who have been denied insurance in your state because of their existing medical conditions. This will probably cost you $ 500-$ 300 per month.
    4) Live in a state where insurance companies cannot deny a person coverage because of existing medical conditions. Get insurance there. However, you will not be able to use it for the existing medical condition for the first 6-18 months, and you might not want to wait that long.
    5) If your school offers health insurance, get it. However, you will not be able to use it for the existing medical condition for the first 6-18 months after you get the insurance, and you might not want to wait that long.
    6) Live in another country.
    7) Don’t walk. Just use a wheelchair to get everywhere.

    I recommend option 1 or option 3.

  3. R Glenn Matsen says:

    Try this organization.
    Alliance Medical Ministry near downtown Raleigh is part of the CapitalCare Collaborative, a network in Wake Couny working to improve the health of the region’s medically uninsured. Health care leaders across North Carolina and South Carolina are learning from CapitalCare and other collaborative networks as they work to change the current system of caring for the uninsured.

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