CHARLOTTE, NC (WBTV) - Terrell McCrae doesn't go to the doctor unless he's really sick.
"It's just too expensive. I can't afford it," McCrae said.
He has insurance but says the coverage isn't great. Instead he waits it out, visits the pharmacy for over the counter medication, and hopes it goes away on its own.
Being short on cash causes all of us to make some tough decisions about what we will pay for and that is reflected in a new survey by Consumer Reports.
We aren't talking about the typical over-65 crowd living on a fixed income. This is people under the age of 65 both with and without insurance.
The Consumer Reports survey shows 45 % of people without insurance and 18% of those with insurance -didn't fill the prescriptions their doctors wrote for them.
More than half without insurance and nearly a quarter with coverage have skipped doctors appointments this past year.
In both cases this is more people than last year and nearly all of it because of cost.
"It doesn't surprise me," said Dr. Rhett Brown with Presbyterian Family Medicine Midtown.
Still, he adds, people need to know they have options other than just not showing up at the doctor's office or not picking up their prescriptions.
"They need to have a good relationship with their physician. Get that physical once every year and talk about how they're feeling. When it comes to medications ask about generic prescriptions," Brown said.
To hear what Brown had to say about an over-consumption of healthcare, watch the video on this page.
For more information on the Consumer Reports survey, click here.