text: how do you go to the dr. without insurance? i don't think i qualify for govt. benefits!? i feel like crying all the time. or i feel extremely emotional.  my job pays too much too qualify for benefits but i don't work enough hours to qualiy for insurance. i can't afford individual insurance i can barely pay my mortgage. what should i do? you can go to any doctor with or without insurance. you just got to pay them.  insurance will help you pay the doctor, so your bill is going to be bigger by seeing them without it.