Saturday, May 15, 2010

18 and no medical or dental insurance NJ?

I am about to turn 18 in june 2008 and my parents don't have any type of insurance (medical, dental) and I desperately need it because I cannot afford to pay 100% of the charges. Currently I am unemployed. What schould I do, where do I get information? I don't have any idea where I would be able to get free dental and health insurance. Although I will most likely work by June, it will be part time because I'm still in school so I will not make enough money to buy insurance because it is very expensive. Once again I live in NJ. Please help. I heard of charity care buy I don't know if I will qualify. I live with my parents but they cannot afford to pay for themselves, not mentioning me. I appreciate the help %26lt;3

18 and no medical or dental insurance NJ?
you may qualify for welfare if you fall under the poverty level for WIC. But if you live with your parents who own their own home, you may not qualify. Then you may have to declare emancipation and they will not be able to claim you.

if not, try calling the welfare office for sliding fee dental offices.

The other thing you can do if your credit is good is apply for "Care Credit". This is usually no interest for one year. The credit card pays the dentist and you pay the credit card.

good luck!
Reply:many dr and dentist offices have a sliding scale fee -- what you pay is based on income. call around and ask.
Reply:Go to , then go to a dentist. If not get ready to pay big bucks.
Reply:Start here:

Health Centers provide health and dental care to people of all ages, whether or not they have health insurance or the money to pay for health care.

Check with any college you may attend about their student health insurance.

See if you can get some insurance on your own--recommend a HSA--Health Savings Account--as you will have a lower premium (and higher deductible) but be able to sock money away for when you WILL need it for health care.

SOME places are good with benefits. I hear Starbucks offers even part-time employees group health insurance.

Look for clinics, walk-in at grocery stores, Walmart, drugstores, nursing and med school associated ones, for decent care at affordable prices. Make sure you have your necessary vaccinations up-to-date. If you're seeing a doc now, ask him what he'd charge you for an office visit if you pay in cash at the time of service. Probably will give you a 30-50% discount.

Dental insurance is kind of iffy--if you shop around and look also for dental clinics--you may do better without one. My brother has it and he pays like $500 for a crown. I have a dentist, legit one too, that charges $500 period. You have to do your research.

Take a few minutes and read about this plan that would address the mess the US is in now. If you like it, start emailing (free) your federal and state politicians and talk it up and let's see if we can get the ONLY good plan I've seen at least discussed:


That means preventative care (physical with follow up). Real medication (no Medicare "donut holes" the really ill are ripped off again.) No bogus ridiculously low "caps" on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).

Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on

Cassandra Nathan's Save America, Save the World

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