Medicaid and the Children's Health Insurance Program (CHIP) provides help with paying medical costs for children of families who cannot afford health insurance or don't get it through their work. Learn more about eligibility and how to sign up for Medicaid and CHIP.
Health Insurance Through the Health Insurance Marketplace
What help is available?
HealthCare.gov helps you find insurance options, compare care, learn about preventive services, and more. If your employer does not offer insurance, you are self-employed, or you prefer to purchase your own insurance, you and your family can get health, dental, and vision insurance through the Health Insurance Marketplace.
Am I eligible?
Everyone is eligible for health insurance through the Marketplace. You may also qualify for subsidies to help pay your premiums. 2019 Open Enrollment runs from November 1, 2018, to December 15, 2018. If you’ve experienced certain life changes, like loss of a job or childbirth, you may be eligible to make changes to your health insurance in a Special Enrollment Period.
Charity care programs help uninsured patients who can't afford to pay their medical bills and don't qualify for government aid. The patient services department of your local hospital can help you find out if you're eligible. Reach out to the hospital before your medical service and explain your situation. If you don't qualify, the hospital may offer you a payment plan.
Learn about your dental coverage options from local and state health programs, government insurance plans, dental schools, and dental clinical trials for people with limited incomes.
If you are uninsured or underinsured and must seek emergency medical treatment:
Under the Emergency Medical Treatment and Labor Act (EMTALA), you're guaranteed access to an emergency medical evaluation, even if you can't pay. The act requires hospitals that receive Medicare funding and that provide emergency services to evaluate anyone who comes to their emergency room and requests treatment. If the evaluation confirms that you have an emergency medical condition, including active labor, they are then required to provide stabilizing treatment for you regardless of your ability to pay.
Contact your state to find out how its department of human services or disability office may be able to assist with modifications, housing counseling, locating rental housing, and independent living skills.
How do I complain?
You may require things like ramps, grab bars, or service animals. It is illegal for housing providers to deny someone housing because of a disability or refuse to make reasonable accommodations for a tenant with a disability. Learn more about disability rights in housing and how to file a complaint if you feel that you’ve been a victim of housing discrimination.
Find a Driver Rehabilitation Specialist to Evaluate Your Needs
A driver rehabilitation specialist (DRS) will identify the best vehicle modifications for your needs and give advice on buying an adapted vehicle. To find a qualified DRS in your area, check with your local rehabilitation center.
Get Help Paying for an Evaluation
You may be able to find sources to cover part or the entire cost of your DRS evaluation.
Service animals are trained to complete work and tasks for the specific, individual needs of people with disabilities. Under the Americans with Disabilities Act (ADA), dogs may qualify as service animals. In some cases, the ADA also recognizes miniature horses as service animals. Emotional support animals serve as companions to people with disabilities but do not typically perform specific tasks or duties. They are not considered service animals under the ADA, but some state and local governments permit people to take them into public places.
If you are thinking about getting a service animal, first contact your medical provider. Find out if your disability is covered under the ADA and whether you need a service animal. Your doctor can help provide medical documentation and find a training program. You can also explore a list of service animal programs online, but make sure to research each organization’s background and qualifications carefully.
What a Service Animal Does
Common tasks include:
Guiding a person who is blind
Alerting someone who is deaf
Aiding and protecting a person who is having a seizure
Alerting a person with diabetes of high or low blood sugar
Assisting someone in a wheelchair
Calming a person with Post Traumatic Stress Disorder (PTSD) during an anxiety attack
Your Rights with Service and Emotional Support Animals
Service and Emotional Support Animals for Veterans
The VA provides guide dogs for blind or visually impaired veterans. It also offers service dogs for veterans with other disabilities. Benefits include veterinary care and equipment through VA Prosthetics and Sensory Aids. Learn more about guide and service dogs for veterans.
ABLE Savings Accounts for People with Disabilities
If you have a significant disability, you may be eligible to open a tax-free Achieving a Better Life Experience (ABLE) savings account. This account can help you pay for education, housing, health, and other qualified disability expenses.
Who Is Eligible for an ABLE Account and Important Things to Know
To be the designated beneficiary (owner) of the account, you must be blind or have a medical disability that began before the age of 26.
Find tax forms and publications for people with disabilities at IRS.gov Accessibility. This resource contains a current list of accessible tax products available by download. If you prefer hard copy Braille or large print, call the IRS at 1-800-TAX-FORM (1-800-829-3676).
Organizations that Provide Help for People with Disabilities
The following organizations provide services and information to people with disabilities:
The National Council on Disability (NCD) is an independent federal agency that makes recommendations to the president and Congress to improve the quality of life for Americans with disabilities and their families. The NCD works to empower individuals with disabilities and to promote equal opportunity
The U.S. Department of Housing and Urban Development's (HUD) Office of Fair Housing and Equal Opportunity offers resources and answers questions about the housing rights of people with disabilities, and the responsibilities of housing providers and building and design professionals according to the federal law.
Special Olympics is a global organization that changes lives by promoting understanding, acceptance and inclusion among people with and without intellectual disabilities through year-round sports, health, education and community building held around the world.
Telecommunications relay services for people with hearing or speaking disabilities link telephone conversations between individuals who use standard voice telephones and those who use the text telephones (TTYs). Calls can be made from either type of telephone to the other type through the relay service.
Local Relay Services
States provide relay services for local and long distance calls. Consult your local telephone directory or list from the FCC for information on the use, fees (if any), services, and dialing instructions for your area.
Federal Relay Service
The Federal Relay Service (FRS) is a program of the U.S. General Services Administration (GSA). It provides access to TTY users to conduct official business nationwide with and within the federal government. The toll-free number is 1-800-377-8642. For more information on relay communications or to obtain a brochure on using the FRS, please call toll-free 1-800-877-0996.
Other Telephone Services
If you use a TTY, you can receive operator and directory assistance for calls by calling toll-free 1-800-855-1155. Check the introductory pages of your local telephone directory for additional TTY services.