Paying for Medical Care

Learn about sources of financial help for medical care.

Help with Medical Bills

Medicaid and CHIP (Health Care for Children)

What help is available?

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

Social Security and Medicare

What help is available?

Local Social Security Administration (SSA) offices help those on Social Security and Medicare find help. People over 65, people with disabilities under 65, and people with end-stage kidney disease are eligible for Medicare. Learn more about how to apply for Medicare

Medicaid for Adults

What help is available?

You may qualify for Medicaid, a joint federal and state program that helps with medical costs for some people with limited income from the Centers for Medicare and Medicaid Services (CMS).

Am I eligible?

Each state has different rules about eligibility and applying for Medicaid for adults. See if you qualify with this calculator.

How do I apply?

Each state has different application requirements for Medicaid for adults.  Call your state Medicaid program to see if you qualify and to learn how to apply.

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. 2018 Open Enrollment runs from November 1, 2017 to December 15, 2017. 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.

How do I apply?

How you apply for a plan in the Health Insurance Marketplace depends on what plan you choose. Learn more about applying.

How do I complain/where do I call for extra help?

Visit the Health Insurance Marketplace's top questions section for additional help with finding or applying for health care. To file a complaint, call 1-800-318-2596 (TTY: 1-855-889-4325).

Is there anything else I need to know?

If you need more help getting or paying for medical care, try these resources:

 

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.

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Help with Prescription Drug Costs

What help is available?

Am I eligible?

The requirements for each program vary by state. Your state human services agency or your local health center will determine your eligibility.

How do I apply?

Your state human services agency or local health center will be able to help you with the application process. Applications and requirements vary in states and cities.

How do I complain/where do I call for extra help?

If you need additional help finding the right program for you, or you want to make a complaint about a program, contact RXAssist.

Is there anything else I need to know?

  • Contact the pharmaceutical companies that make your prescription drugs or devices, and ask for any low-cost options, samples, or discounts,

  • Learn more about finding generic drugs to lower your costs.

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Last Updated: September 12, 2017

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