well those are two good reasons. a doctor's office is not the cleanest place in the world (actually one of the most potentially-contaminated places) and of course the lack of health insurance is a barrier. you cannot force a person (adult) to seek medical care but you may be able to encourage her to see a counselor to help her deal with her fear of germs. she can wear a mask avoid touching anything unnecessarily not use the clinic bathroom avoid shaking the doctor's hand and use a hand-sanitizer but in the end. the decision to see a medical provider is hers and hers alone.
what if a germaphobe won't go to a doctor? plus she doesn't have health insurance.