Medical Bills Assistance

Nearly every American family is looking for medical debt relief at one time or another. Medical debt almost never happens by choice and usually is the product of an unforeseen illness or accident. Based on their situation (insurance, medicaid eligibility etc.) people need help with medical bills, dental care, vision care or on going medical prescriptions. Sometimes, people don’t go for dental and vision treatments due to lack of insurance. People end up taking high interest personal loan or payday loans to pay for these unforeseen medical expenses.

We started BenefitsExplorer as a resource to help people in need. We came across a number of people who were not aware of options available to them for better managing their unforeseen illness. There are options available to take care of your medical situation and health. These options help you with your insurance, prescription, free medical consultation and , in some cases, even pay off your medical debt. We want people to learn and understand their options, before going down a specific path to manage their illness. We have summarized these options into four buckets. You can use our form to quickly check the ones that are applicable to your situation.


Financial Help

Financial Help

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Insurance

Insurance

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Free Clinics

Free Clinics

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Prescription

Prescription

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Financial Help

There are local and national resources that help people with financial aid to pay off their medical expenses. These resources have their own eligibility criteria. We have put together the list of these resources, along with their eligibility criteria. If you have a genuine medical emergency, we would recommend that you evaluate and contact these organizations. Below table provides information about some of the organizations:

Copay, Insurance & Financial Assistance

When you can’t afford the medication you need, the assisted fund is here to help. They manage more than 40 funds covering a wide range of serious and chronic diseases. You may receive assistance through multiple programs simultaneously, as long as funding is available.

Provide grants for:

  • Copay Assistance: Offer copay assistance if you need help paying for your portion of your prescription medication after insurance has paid its portion.
  • Health Care Expenses: Help you pay for your out-of-pocket premiums for eligible health insurance plans, as well as incidental healthcare expenses.
  • Insurance Premium and Incidentals: These programs help you pay for your out-of-pocket premiums for eligible health insurance plans, as well as incidental healthcare expenses.

Disability, Insurance & Travel Assistance

Caring Voice Coalition is dedicated to improving the lives of people with chronic illnesses through comprehensive outreach programs, by offering empowering, supportive and comprehensive outreach services.

Programs offered:

  • Health insurance counseling: Insurance specialists investigate, review and explain current health benefits. Work with all insurance types—commercial, government and exchanges—to resolve issues and help patients identify and explore sources of new or improved coverage.
  • Disability assistance: Offers direct assistance and resource support to patients and caregivers navigating the complex process of applying for Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) benefits.
  • Travel program: Helps you cover costs of travel related to eligible medical appointments or participation in clinical trials.

Medical Financial Assistance

The HealthWell Foundation is a non-profit dedicated to improving access to care for America’s underinsured. When health insurance is not enough, HealthWell fill the gap by assisting with copays, premiums, deductibles and out-of-pocket expenses.

Provide grants for:

  • Prescription copays
  • Health insurance premiums, deductibles and coinsurance
  • Pediatric treatment costs
  • Travel costs

Medical Financial Assistance Programs

The Patient Access Network (PAN) Foundation is an organization dedicated to helping federally and commercially insured people living with life-threatening, chronic and rare diseases with the out-of-pocket costs for their prescribed medications.

Provide financial assistance for:

Offers nearly 70 disease-specific assistance programs to help patients pay for their out-of-pocket costs,

  • Prescription copays
  • Health insurance premiums, deductibles and coinsurance
  • Pediatric treatment costs
  • Travel expenses

Insurance

Federal government and private entities provide subsidized insurance that you might not know. These options include Medicaid, health insurance subsidies based on your income level, CHIP (children’s insurance). One should fully evaluate their insurance options before going for the treatment.

Medicaid : Health Insurance

Medicaid is a joint federal-state program that provides health coverage or nursing home coverage to certain categories of low-asset people, including children, pregnant women, parents of eligible children, people with disabilities and elderly needing nursing home care.

Since Medicaid is administered by the Medicaid agency in your state, eligibility may vary from one state to another. Here are basic requirements to be eligible for medicaid in most of the state.

Medicaid Benefits:

Provides a broad level of health insurance coverage including

  • Doctor visits
  • Hospital expenses
  • Nursing home care
  • Home health care
  • long-term care costs

Medicare : Health Insurance

Medicare is a national United States health insurance program for senior U.S. Citizen. It is also for people with certain disabilities or end-stage kidney failure. Basic Medicare comes in two parts: A and B.

  • Medicare Part A provides coverage if you’re hospitalized.
  • Medicare Part B provides coverage for doctor visits and other “outpatient” costs such as medical equipment and physical therapy.
  • Medicare Part C, known as Medicare Advantage, is an alternative to Parts A and B. If you want it, you have to buy it.
  • Medicare Part D provides prescription drug coverage. It is a separate policy you buy from a private insurer.

Medicaid and CHIP : Insurance Programs

Assistance with:

  • Medicaid and CHIP offer free or low-cost health insurance for kids and teens.

Covered Services

  • Routine check-ups
  • Prescriptions
  • Immunizations
  • Inpatient and outpatient hospital care
  • Laboratory and X-ray services
  • Doctor visits
  • Emergency services
  • Dental and vision care

Free Clinics

You don’t have to delay your medical treatment. Delayed medical treatment can impact your productivity, family life and work adversely. There are free clinics for general medicine, vision and dental care. Many people do not realize that there are approximately 1,400 Free and Charitable Clinics and Charitable Pharmacies throughout the nation who since the 1960’s have been filling in the gap for those who “fall through the cracks” in our current health care system. These clinics receive little to no state or federal funding, do not receive HRSA 330 funds and are not Federally Qualified Health Centers or Rural Health Centers.

Free and Charitable Clinics are safety-net health care organizations that utilize a volunteer/staff model to provide a range of medical, dental, pharmacy, vision and/or behavioral health services to economically disadvantaged individuals. You can search for your nearest free clinic here. You can use below links to find different essential medical treatment resources available in your community.

Free Clinics

The National Association of Free & Charitable Clinics (NAFC) mission is to ensure that the medically underserved have access to affordable quality health care.

Activities and Programs:

  • Health Education and Training
  • Cost-effective and efficient medication and supply programs
  • Patient Care through the Communities Are Responding Everyday (C.A.R.E.) Clinics

Healthcare Programs

HRSA programs provide health care to people who are geographically isolated, economically or medically vulnerable. This includes people living with HIV/AIDS, pregnant women, mothers and their families, and those otherwise unable to access high quality health care. HRSA also supports access to health care in rural areas, the training of health professionals, the distribution of providers to areas where they are needed most, and improvements in health care delivery.

Clinics for:

  • Primary Care/Health Centers
  • Maternal and Child Health
  • HIV/AIDS Program

Medical Assistance Programs

EyeCare America, one of the country’s leading public service programs provides eye care through a pool of more than 5,500 volunteer ophthalmologists. Since 1985, EyeCare America has helped nearly 2 million people. Ninety percent of the care provided is at no out-of-pocket cost to the patient.

Assistance with:

  • Medication Assistance: Save money with a drug discount card or search for a drug assistance program.
  • Eye Exams: Offers medical eye exams, often at no out-of-pocket cost.

Prescription

These and many more help people with their medical prescriptions. They can help you reduce the cost of your prescriptions even if you don’t have any insurance. These options can help you save money even if your insurance doesn’t cover the medicine.

Prescription Coupons

NeedyMeds help with the cost of medicine by providing coupons for most of the prescription drugs.

Assistance with:

  • Patient Assistance Programs.
  • Co-pay assistance
  • Drug Discount Cards
  • Free Clinics

Medical Assistance Programs

Patient assistance programs are run by pharmaceutical companies to provide free medications to people who cannot afford to buy their medicine. RxAssist offers a comprehensive database of these patient assistance programs, as well as practical tools, news, and articles so that health care professionals and patients can find the information they need. All in one place.

Assistance with:

  • Patient Assistance Programs.
  • Drug Discount Cards

We ,at BenefitsExplorer, believe that people should not have to choose between medical treatment and their financial welfare. If any of these options help you in your medical emergency or needs, do share and spread the word.