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Health Insurance San Diego Low Income Question & Answers

2013 June 5
by Sarah Fields

John asks…

do anyone knows where i can get health insurance inTEX.right now ihave Carelink from University Hospital DIST.?

here in San Antonio,TEXAS. but they charge too much for nothing.please help me find a health insurance with a dentist for low income i’m not asking free i’m welling to pay for fair service not pay and get treated like is free your comments are very welcome hun.thank you for your help dear friends.

Sarah Fields answers:

You might want to pull this question out of the San Diego forum and re-post it in San Antonio. I’ve made the same mis-click myself.

Ruth asks…

Free/Low-Cost clinics in San Diego Area?

Are there any free or low-income clinics in the San Diego area? I’m unemployed, personally uninsured, and not covered by my domestic partner’s work insurance plan. Out-of-pocket doctor’s visits are something we can possibly afford, so long as I don’t discover I have some serious chronic illness, but Emergency Care would break us financially very easily.

I’m not trying to cut in line ahead of the homeless guy or the single mother of three here, but I haven’t had a checkup in three years and my arm has got some nerve problem going on with it that may develop into something serious if left untreated.
I just noticed this is in ‘dental’ even though I picked ‘general’. Grr.

Sarah Fields answers:

There is a place where you can get from medical help in the San Diego area called the “UCSD Student-Run Free Clinic Project”. Here is their website:

Also, this health care service in San Diego claims, “Many of our patients qualify for free or low-cost services based upon their income and family size.” You may want to check this out as well. Here is their website:

There is this free clinic, too. It is called St. Vincent’s, which has been known for providing medical help by “San Diego’s Top Docs”. It is run by SVDPV church. Here is the website:

Lastly, there is a free clinic in SD called “Mobile Clinic”, which provides free medical care for those without med. Insurance (this may be the same clinic as above). Here is their website:

Good luck to you and feel better.

William asks…

Information on insurance when moving from Colorado to San Diego California?

I am 35 weeks pregnant and I have Kaiser through my husbands job in colorado, we are planning on moving back to San Diego because of the job opportunities there. I will not have insurance when I move and will be 36 weeks pregnant I was wondering if anyone knows of insurance I can get so I wont end up paying a fortune for delivery? I don’t mind paying a monthly rate as we pay over $200 a month now I just don’t want to pay out of pocket when the baby comes. Any information would be great!

Sarah Fields answers:

There are no individual health insurance plans that will accept a pregnant woman at any price.

If your husband’s new job doesn’t offer health benefits you have only two options. One would be to apply for Medicaid, which in CA is called Medi-cal. You must qualify based on low income but the requirements are much more lenient if you’re pregnant. Here is their website:

The other option would be to take COBRA if it is offered. It must be offered if your current plan has more than 20 lives. The premium will be the total premium of your current policy (your share and the employer’s share) plus 2%. Here is the government website for COBRA information:

You may be tempted by discount plans. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

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