Organizations That Help Pay Medical Bills
Medical bills can quickly pile up, regardless of whether it is for an emergency room visit or funeral. If you need extra money to pay your medical bills, multiple organizations may be able to help.
These organizations will offer different types of assistance, including free health care services and direct financial help. Many of these programs also have income requirements, so it is important to investigate the organization before applying for their services.
If you do not qualify for most of these programs, finding a medical bill consolidation loan is another option. These loans can provide cash up front, which you can reduce monthly payments while paying down debts. Typically, interest rates are lower than what you might find with other types of loans, but they require repayment within a certain timeframe. The following are ten organizations that can be used to help pay medical bills:
- Patient Advocate Foundation (PAF)
Problems with debt collection agencies or insurance companies? The PAF employs lawyers and advocates who will fight to lower your debt and resolve issues with any health care provider you might have a problem with. They also provide free legal advice for those who cannot afford an attorney, including bankruptcy assistance, foreclosure prevention, and utility bill payment programs. In addition to these services, they can connect patients with clinical trial matching services, offer case management programs and provide medication assistance programs and financial assistance. You must meet income requirements to qualify for their services.
- HealthWell Foundation
If you cannot afford your monthly premiums, the HealthWell Foundation provides assistance programs to help pay medical bills. The foundation offers grants for those who have high-deductible insurance plans and financial assistance with copays and coinsurance. While they do not provide help for medical procedures or surgeries, they can offer one-time emergency cash payments through their Helping Hand Program. You must meet income eligibility requirements, be currently insured under a private health plan, and have already met your deductible before applying for these services.
- American Cancer Society
The American Cancer Society offers many services that will assist patients with paying cancer-related medical bills. These services include prescription assistance, transportation help to treatment centers, and lodging at Hope Lodges. In addition, they can offer financial help through short-term loans and grants for the medically needy. You must meet income eligibility requirements, be currently undergoing treatment, or be a cancer survivor to apply for their services.
- American Heart Association
The American Heart Association is a great resource for heart patients needing extra cash to pay medical bills. They provide grant programs that will assist with paying monthly premiums and financial assistance with copays and coinsurance. In addition, they also have a program called What A Heart Attack which provides information on risk factors, prevention tips, and how to deal with stress-related health problems. You must meet income eligibility requirements to qualify for their services.
- Starlight Children’s Foundation
The Starlight Children’s Foundation provides entertainment and education events, world-class healthcare facilities, and medical research programs to children suffering from a chronic or life-threatening illnesses. This organization helps make the hospital a “home away from home.” In addition, they also provide financial assistance programs that can help you pay for basic amenities such as meals, home repairs, and child care. You must be under 21 years old and meet financial eligibility requirements to apply for their services.
- American Diabetes Association
The American Diabetes Association offers many resources to assist those with diabetes with paying medical bills related to this condition. The cost of insulin and testing supplies alone can be enough to generate a significant bill. The ADA offers two different programs to help with these bills: Diabetes Patient Assistance (DPA) and the NeedyMeds Drug Discount Card. DPA is offered through pharmaceutical companies, which provide free insulin, test strips, and other diabetes-related products depending on your income level. This program also helps you apply for prescription copay assistance programs, offer support groups in local areas and assist with health insurance premiums. While neither of their services is guaranteed, they provide options when no other options seem available.
- National Multiple Sclerosis Society
The National MS Society offers many resources for those diagnosed with this condition that will assist in covering monthly premiums or lowering costs for prescription medications. In addition, they also offer a wide variety of programs that can help with paying medical bills, including adaptive equipment and assistive technologies. You must meet financial eligibility requirements to receive most of their services.
- American Red Cross
The American Red Cross offers many resources for those affected by a disaster or who received treatment from emergency services. Some of these services include providing food and water as well as temporary housing options. They also provide financial assistance with electric bills, hotel stays, and even car loans through local lenders in your area. While most of their programs are usually available after a natural disaster has occurred, they do have several resources available year-round, such as the Assistance to Firefighters Grant program, which assists with purchasing new firefighter gear. You must meet financial eligibility requirements to apply for their services.
- Heart Support of America
Heart Support of America is a nonprofit organization that supports heart patients and their families by helping them pay monthly premiums, covering copays, or lowing costs of medications through pharmaceutical company assistance programs. They also have educational programs available to help improve heart health and support groups for cardiovascular disease. While they only serve the United States, the Heart Support of America offers free support for finding local organizations that can provide most services outside of this country. You must be at least 18 years old and meet income requirements to apply for their services.
- Huntington’s Disease Society of America
The Huntington’s Disease Society of America offers a variety of financial assistance programs to those affected by this uncommon neurodegenerative disorder. Some of their services include a discounted monthly rate on a service dog, financial grants for stem cell treatment, and access to an emergency fund that can help cover electric or water bills. In addition, they also have support groups, educational presentations, and even driving instructor training available to those diagnosed with this condition. Their programs are usually limited to United States residents only, but there are some openings in the research program if you live outside the country. You must meet income eligibility requirements to apply for their services.
Medical expenses are a leading cause of bankruptcy in the United States. If you or someone you know struggles to pay medical expenses, these organizations can help by providing access to free health care services and prescription medications.