Free and Low Cost Medical Programs

by

 The expense of medical care can make basic treatment cost prohibitive for the underinsured and uninsured. You may be surprised to know that millions of US residents are still living without insurance. Millions more are “underinsured,” meaning that they carry only catastrophic insurance. These plans offer affordable monthly premiums, but the tradeoff is deductibles that can be in the $5000 range, more than most families can afford to pay.

It is widely known that medical facilities cannot turn patients away because of an inability to pay; however, use of their hospital services may result in extortion-level bills that take eons to pay off. If you are uninsured or underinsured, you are wise to seek out affordable providers before an emergency arises.

Although you probably won’t hear ads for low cost medical assistance for the uninsured during primetime, assistance does exist. In fact, a variety of programs and initiatives are available to help.

low cost medical

Search for Low Cost Medical Facilities

Community Health Centers – There are Community clinics in both urban and rural areas. They are government funded and serve the community. They are open to all community members regardless of whether they have private insurance, Obamacare, Medicaid or Medicare, are under-insured, or are uninsured. Most centers provide prenatal care, baby shots, general primary care, referrals for specialized care, mental illness services, substance abuse support, HIV/AIDS testing, and treatment, etc. You may have to pay for services, but the fees are usually substantially less than a hospital, urgent care, or private doctor’s office.

Sliding Scale Fee Facilities – A sliding scale facility offers variable pricing for services based on the patient’s ability to pay. These facilities consider the patient’s income and may inquire about assets. Facilities operate on a predetermined equivalency: what you pay is based on your family income.

School Wellness Centers – Some larger high schools in urban areas offer medical services for students, including treatment for sick students, lab work, routine checkups, sports physicals, immunization, mental illness, and substance abuse support. Check at your teen’s school to see what, if any, services it provides.

Free Clinics – Non-profit, non-government, privately-owned and operated facilities may provide services only to persons with no insurance who do not qualify for Medicaid or Medicare. They may extend services to the underinsured who have only catastrophic care coverage with high deductibles. Services are available to undocumented aliens.

Clinics offer basic services such as treatment for illness or injury, long-term chronic conditions, some lab work, some prescription drugs, women’s health, and possibly dental care. They may not be able to help with chronic pain because they often do not carry the license necessary to distribute narcotics.

Non-profit Organizations – The Susan G. Komen Organization is just one example of a non-profit organization which funds community programs. Their local affiliate programs provide services such as free mammograms to uninsured women.

 

Where to Find Low Cost Medical Providers

Several databases are available to help you search for services in your area.

Needymeds.org is a comprehensive database with information about low cost medical facilities with sliding scale facilities. Additionally, it lists facilities that provide some financial assistance. You will want to read carefully, not assuming that all facilities listed provide free services.

Health Resources and Services Administration is operated by the US Department of Health and Human Services. This site is considered to be the most current, complete source of information on community clinics.

Office of Disease Prevention and Health Promotion is another program of the US Department of Health and Human Services. This database has information beyond free and low cost medical providers and expands to a wide range of providers including community clinics, hospice care, hospitals, dentists, and other providers.

The National Association of Free and Charitable Clinics operates approximately 1200 Charitable Clinics nationwide targeting the “underserved.”

 

Getting Your Own Insurance?

Free or low cost medical insurance is available to families and individuals with limited income. Because insurance plans are managed at the state level, you will need to investigate what’s available in your state. Thirty-one states plus the District of Columbia have expanded Medicaid. Under expanded Medicaid, your family income may be 133% of the poverty line or even higher, depending on your state’s plan.

Your eligibility for low cost medical care programs and discounts is determined by where you fall within state guidelines for income and household size. On nearly all health care websites, the first information you are asked to provide is your zip code. From your zip code, the site will direct you to plans available in your state.[1]

Medicaid, Children’s Health Insurance Program (CHIP), or Marketplace? – After giving basic personal information including your income and household size, you may be directed to Medicaid or the Marketplace. In either case, look up the Medicaid standards for your state. If your annual income falls below the line set by your state either under Medicaid, Expanded Medicaid, or CHIP you may apply for Medicaid. It is not necessary for you to enter the Marketplace and choose your coverage if you are eligible for Medicaid.

Federal subsidy? – If you make too much for Medicaid, you may still qualify for a federal subsidy toward your monthly payments. The Marketplace will automatically calculate your subsidy. 8 of 10 uninsured individuals are eligible for some subsidy in the Marketplace.

Check out this new article giving tips on insurance discounts.

 

Why Is There Such A Debate Over Healthcare?

When Congress passed the Affordable Care Act in 2010, many Americans anticipated a universal insurance provision giving all residents access to free care. The actual legislation fell well short of this goal: a 2012 report from the Congressional Budget Office predicts that there will still be 30 million uninsured nonelderly Americans in 2024.

For the uninsured or underinsured, the need to find low cost medical assistance has never been greater. Researching services in your area can and making use of specific clinics and providers with manageable fees can save you hundreds of dollars in medical bills.

Notes
1. “Will You Save on Health Coverage?” . HealthCare.gov

 

 

Best and Worst Student Loan Services
Best and Worst Student Loan Services This is the time of year when hundreds of thousands of Americans begin to prepare for their first semester in college. They begin to seek out the items that will sustain them during dorm life. Parents spend money on new sheets, hot...
How A Home Warranty Will Save You Money
A Home Warranty Will Save You Money Owning a home can be expensive. Appliances break down, and air conditioners tend to quit working in the middle of the summer. In fact, most home have a major mechanical breakdown twice each year. Usually, these breakdowns occur at...
Step By Step Guide To Debt Repair & Rebuilding Credit
Step By Step Guide To Debt Repair & Rebuilding Credit A severe debt situation is a huge financial misfortune that can ruin your ideal credit scores. If you are bothered by this excruciating condition, never worry. You are not alone in this regard. During the...
Which Protection Is Best?
Keep Your Information Safe! Makes A Great Christmas Present! Credit card numbers are sacred these days. We’d never give them out to a stranger because credit card fraud and stolen identities are never more than one mistake away. But what if I told you that somebody...
Receiving $4000 in Home Rebates
 Are there any home improvements that you have been contemplating lately? Are you struggling to make ends meet already? Learn more about three Programs a that could help you and millions of homeowners qualify for a $4,000 rebate. These Are Very Tough...
Understanding Federal Grants (Part 1)
 Let me start off by asking you this question. How would you like free money that you will never have to pay back, from the federal government? Sounds great doesn't it? Well, the simple truth is that you can get it if the government decides to award you a...
Social Security Disability Benefits
Sometimes in life, events occur that prevent people from working in order to make a living. Accidents occur and illness strikes at the most inopportune moments. The Social Security Administration may be able to help. They provide disability benefits to...
Affordable Housing Problems
On 1st Street in Santa Ana — not far from where authorities recently cleared a tent encampment along the Santa Ana River near Angel Stadium — developer Caleb Roope wants to build nearly 1,000 apartments that will be affordable for low-income seniors and...
Positive Thinking Can Change Your Life
Positive Thinking Can Change Your Life Enthusiasm Is Positive Energy “No pessimist ever discovered the secret of the stars, or sailed to an uncharted land, or opened a new doorway for the human spirit.” - Helen Keller Enthusiasm is the sunshine of your mind’s garden....
Is Public Housing An Option for You?
The US Department of Housing and Urban Development (HUD) utilizes several programs to ensure housing for lower-income families. One of these programs is Public Housing. This program was designed to provide decent and safe rental homes for lower-income...
“Believe in The Power of 3”
The number 3 is the first number to which the meaning “All” was given. It is the number of the whole as it contains the beginning, a middle, and an end. When you raise the number 3 to a second power, it simply magnifies everything you already have and...
Walmart Owes Money
Wal-Mart is a nationally recognized big box store offering low prices for customers who have everyday needs. The store employs more than 1.2 million people, and many of them are currently in a situation in which they could receive a big payout from the company for...
How Do You Repair Your Credit Score?
How Do You Repair Your Credit Score? You may be bombarded with ads for businesses telling you they can help fix your credit. Many companies say they have some kind of proven method for improving your credit score. However, you should first follow this advice and see...
Things You Need to Know About Section 8 Assistance
Things You Need to Know About Section 8 Housing Some families might find a safe, decent and affordable housing as a big challenge to tackle. Majority of regions in the United States do not have rent control laws in place. Therefore some renters find affording a...
Ways to Face Fears | Succeed
All of us have a hard time with failure, and it can often lead us to feeling insecure about ourselves. It can even begin to compound our fears and leave us feeling nervous and anxious in unfamiliar situations. We want to be able to predict and control everything that...
Natural Healing Options for Arthritis
Arthritis comes in various forms, but it's always painful. The typical medical approach is to take some sort of pain medication (usually non-steroidal anti-inflammatory drugs, or NASDs) that might result in various side effects, such as stomach pain. Thankfully, there...
The Facts You Need to Know About Payday Cash Advances
If you need money, it can feel as if there is no one to help you. It may feel like you're up a creek without a paddle. Luckily, you can get payday cash advances to help you out. Research all companies that you are considering. Find a lender that fits you...
Penny Pinching Groceries Plus Earning While Shopping
Penny Pinching your way into savings and earning! If you feel like you are wasting money on groceries then you're not alone. The average American spends around $160 per week at the supermarket. What if I told you that number can be easily cut in half by penny pinching...
The Best Self Help Gurus
In the world today, it is easy to come across scammers looking to take advantage of people in their weakest moments. The realm of self-help is no different. In fact, it can be much worse. Self-help scammers apply abstract concepts so that unsuspecting people will fork...
Run A Background Check When Applying for Jobs!
 Social media is everywhere in the air around us today. Hence it is natural for you to assume you can handpick and choose what you want your employees to see. Most people therefore imagine that once they clean up their Facebook wall and delete those...

Subscribe

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Name and Email for Best Results

Due to the overwhelming response, enter your email for best results. Look for your free ebook from New Flex Career about finding unclaimed money!

You Are On Your Way!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Pin It on Pinterest

The More You Share. The More We Can Help!

Share these posts & pages with friends!