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Find help paying medical bills or free health care.

Get information on assistance programs that can help with medical bills. In addition, find how to get free or affordable medical or dental care as well as prescription medications. Low income families, seniors and people who either lack health insurance or who are underinsured can explore these various financial assistance programs. There are a number of resources listed below from state and federal governments, grant programs as well as non-profits that can assist patients with paying their medical bills and health care costs.

Many pharmaceutical companies offer patients discounted or free prescription medications. Examples of some of the resources available include patient assistance programs, discount cards, and medications from regional as well as national non-profit charity organizations.

Medical and dental clinics, as well as local community health centers, can provide free or variable cost health care to income qualified families and individuals. Many will only charge you based on what you can afford to pay, and this is known as a sliding fee scale. This concept will in effect lower the cost of the patients medical bills and save them money.

If you have already received your health care, and now have outstanding medical bills or debts that are owed to a provider, then assistance is available for that as well. Find how to get help with existing medical bills or health care debts. There are programs for consolidating your unpaid bills, learn how to negotiate reductions or discounts, settle or refinance existing bills, and get relief from medical debt collection calls.

Dealing with the hospital, medical bills, and prescription drug costs that follow an illness, and trying to find a way to pay those costs is often many times more stressful than the illness itself. If you need help then there are a number of things you can do to control your healthcare costs. There is assistance for those that lack insurance as well as patients with limited coverage. Find how you can get help with paying already incurred medical bills and debts.

Programs for free health care

Low income families and people who lack insurance may qualify for free health care programs. Resources are offered by a variety of public and private organizations across the country. There are also free health insurance plans for lower income households. Many providers, doctors, pharmaceutical companies, government agencies, hospitals and non-profits offer free or very low cost medical care programs. This can include vision care, dental services, and more. Find free health care programs.




Clinics provide free health or dental care to those who qualify. State, county, and local medical clinics and providers will provide free services, including dental and mental health. There are associations set up at the state level. Many of the locations are also federal government qualified locations. Locate federal qualified clinic associations.

Health care centers can help patients of all income levels, regardless of whether they have insurance coverage or not. Receive either free or low cost medical and dental care and other services such as prescription drugs. Note that more moderate income individuals may only need to pay what they can afford to for their medical expenses. No one is turned away from these centers, no matter their income or amount of insurance coverage. Find a list of free clinics near you.

Walgreens offers free health care to its current and future patients who lose their job. In order to enroll, the applicant can’t have any other health care coverage available to them. Centers are located across the nation. The assistance is offered by Walgreen’s Take Care clinics.

Federal Government Health Resources and Services Administration (HRSA) is an organization that makes free or low cost health care available to Americans, even to those without health or dental insurance. You can get free checkups, prescriptions, treatment, and other medical assistance. More on HRSA.

Programs for underinsured patients - Whether your employer provides limited coverage or if your health insurance plan does not cover all of your costs, patients still have options available to them. A number of government programs, co-pay assistance plans and other resources are available for paying medical bills and health care costs that your insurance carrier does not cover. Find underinsured medical care programs by state, as each state offers some type of health care.

Free medical care from charities. While funding is limited, and qualifications need to be met, many charities can also provide help. Non-profit such as the Patient Advocate Foundation, Shepherd's Hope, Inc., and many others offer assistance programs to a select number of clients. They may focus on certain age groups or conditions as well, whether a child or maybe someone with cancer. Find both national charity organizations as well as charities that are located in your state. Learn how charities can help with bills.





State and federal government medical assistance programs are an option. These tend to enroll the vulnerable, such as senior citizens as well as the disabled. The programs are organized by many states and government agencies. They provide free or discounted health care, public aid, programs such as Medicaid and Medicare, prescription drug coverage and more. A focus is often on seniors and families with children. Find your state and details on the programs offered.

The federal government also offers a health insurance plan for veterans and military personnel as well as their immediate family members. The VA Medical Care Hardship programwill provide them help with health care expenses. The free health insurance coverage can help pay a portion of their medical bills. It will ensure our military members get the treatment they need and deserve.

Free dental care is offered by hundreds of community clinics, public health care programs, volunteers and dental centers. Locations can provide either free or reduced priced care to low income and uninsured individuals. Services may include cleanings, root canals, annual check-ups and much more. Find a listing of dental clinics, their addresses and phone numbers.

In-store clinics are located in some major retailers such as CVS, Walgreens, and Wal-Mart. They can offer quality health care at a low price. These tend to be effective at basic check ups. Some even provide free medical services from nurses. Read more on In store clinics.

Low cost health insurance - The Affordable Care Act, also known as ObamaCare, provides federal government tax credits and subsidies to families with an income of up to 400% higher than poverty levels. There are also plans to select from non-profits providers that can help patients save money on their medical costs, prescriptions needs as well as dental bills. Locate affordable health insurance plans.

Programs for uninsured - If you can’t afford to buy health insurance, do not qualify for government programs such as Medicaid, or if your employer doesn’t provide coverage, then there are a few dozen resources available to people who lack proper insurance. Numerous non-profits, government affiliated agencies, and charities focus on providing care. There is also coverage from the Affordable Care Act. anyone that lacks insurance for their prescriptions, health or dental care needs, or anything can get help. Continue with medical care for uninsured.

Senior Centers can provide information on free health care services for the elderly in a local community. Some locations will also offer basic check ups, provide flu shots, and similar support. Senior centers offer a wide variety of services and also offer advice on how the elderly can save money on medical bills. Learn about applying for Medicare, prescription drug coverage and other resources. Some centers also have staff that can offer free basic checkups and additional medical care to those that need it. Any elderly person, not matter their income, can use a senior center for advice as well as assistance.

Medicare Rights Center Hotline is only available to senior citizens or individuals with a disability. When using the service, callers can learn about Medicare and other resources available to them for obtaining public health insurance. They also offer assistance in dealing with their medical bills.





The non-profit will give the client free information on what they are currently covered for, how to obtain affordable health or dental care coverage, and details on programs that can help them save money on their medical expenses. Learn more on the free Medicare Hotline.

Free information is provided by patient advocates to help ensure proper medical care is given. These specialists can help clients understand all the various regulations put into place by hospitals or health insurance companies, assist with completing forms for financial aid for their bills, and also ensure proper treatment is provided. Find more services from patient advocates.

Get free prescription drugs and medications

Free or low cost prescription medications are offered by drug companies, non-profits and government organizations. Some charity organizations may also provide vouchers to pay for drugs that an individual needs. There are several prescription drug assistance programs that will provide patients with either free or low cost medications. A focus is on people with a life threatening condition or a serious illness. Find how to get free prescription medications.

Save money on prescriptions on your own. There are free tips and methods to save money. Find ways to get help with buying your own medications to save on your prescriptions. There are suggestions to follow whether you use a generic or a name brand medication. You can save up to 80% on your total costs of prescription drugs.

Pfizer, Merck, and Eli Lilly all offer free prescription medications. Many other drug companies, such as Abbot, Pfizer, Merck, Johnson and Johnson and Lilly have created their own patient assistance programs. These resources will provide free prescription medications and life saving drugs to the unemployed and low to moderate income. While conditions need to be met by applicants, these programs are usually offered to people provided they do not have health insurance and they have been taking the medication for more than three months.

Save on prescriptions and medical care if you are a union member. A number of benefits are offered by Union Plus. This is not widely offered though. The group offers organized labor and union members only savings on health care expenses, prescription drugs, dental and vision care, and more. Read more about health care savings for union members.

HIV-AIDS Drug Assistance Program - Hundreds of thousands of patients with HIV-AIDs, who are uninsured or underinsured, or who are low income can receive free prescription medications. This service is paid for by federal and state government funded programs. Find medications for HIV-AIDs patients..


Help with paying existing hospital and medical bills

Medical billing advocates and the services they provide have been proven to save patients a substantial amount of money. The process can be effective at reducing various medical bills and unpaid debts, sometimes by thousands of dollars. They help find medical billing errors, negotiate bills on your behalf, and ensure you are charged a fair price for health care.





These are just a few of the services they provide as well. A recent Harvard study showed that 80% of medical bills have at least one error on them, so these advocates can help deal with those types of issues. Read more on medical billing advocates.

States programs to help consumers with medical debt - Many states have laws, regulations and programs that protect patients from aggressive medical debt collection practices. Rules and regulations will also ensure consumers are not charged high interest rates when they cannot afford to pay their debts. Get information on other medical debt collection laws that can help patients.

Government and state health care programs may provide you help. There are resources that arrange for free health care, offer direct assistance paying medical bills, free or discounted medications, or offer low cost health insurance. Those are just examples and there may be other resources your state or local county government can provide. Continue with state assistance programs.

Cancer bills - Numerous non-profit organizations, resources, and programs exist that can help people pay for cancer costs and the associated medical bills. Some foundations or charities will also ensure you get the care you need for your condition. They provide cash assistance, referrals, and other forms of help for cancer bills.

Grants to pay medical bills are provided by many government and private organizations. The funds are very limited though. These groups can offer cash grants that can be used to help pay medical bills and other health care expenses.

Negotiate medical bills in order to save money. Consumer Reports has found that about 90% of people who negotiate their medical bills are successful and can save substantially. There is no cost to do this.

Or, save money by using the services of a professional medical bill negotiator. They usually work on a contingency basis, so they are in effect free unless they save you money. Studies show that they can have up to an 80% success rate in negotiating lower medical costs and hospital bills. Find medical bill negotiators.

Help with hospital bills - Find how to get help with paying hospital bills. There are options available for the uninsured as well as households facing poverty. Hospital assistance programs are available at most facilities, and are required by state and/or federal government law. The center will need to provide charity care to patients who lack insurance or who are low income. Learn how to get help with hospital bills.

Patients can get help paying emergency ambulance bills as well. Some can be paid for by insurance (Medicaid, Medicare, or private policies) and there are also non-traditional ways to get help as well. They include payment plans, crowdfunding platforms, discounts, charity care and more. Low to moderate income families as well as the uninsured may be able to get support, and find how to get ambulance bill assistance.

Also, read tips from medical professionals, debt collections and hospital employees on what works when trying to reduce the cost of the services they provide. They offer information on how to get help with paying your hospital as well as other medical bills. Employees have great suggestions on how to reduce expenditures as they work in a hospital everyday, so they know the ins and outs of the complicated health care system. More information on tips for reducing medical bills.

Find how to apply for medical bill assistance programs. Many hospitals, doctors, and other health care providers offer resources to help you with paying for your medical bills and debts. Find the steps to take to apply for help.





Online tools help save on medical bills and expenses. While this is still a new service, many online services can also provide help. Some of these websites and tools are free or the cost to use them is minimal. They help detect errors, ensure the price you are paying is fair, and companies will even challenge the medical bills on your behalf. Find the most recent websites and online tools to both save money and get financial help with paying medical bills.

Selecting the correct health insurance plan is always important. Read about how you can save money on your monthly health insurance premiums and receive the best coverage by selecting the correct plan. More on health insurance plans.

Find assistance in dealing with health insurance companies. If they do not pay your entire medical bill or do not cover a needed prescription medication, then appeal. Claims are often denied by insurers, and when this happens, patients of all income levels can get help. Get assistance with health insurance company appeals.

Beware of balance billing practices and scams. Also, learn how health care providers are trying to get people to pay medical bills that they are not responsible for paying or they charge them based on insurance provider rates. This is a practice known as balance billing.

CareCredit medical bills and debt financing is offered from GE. This program can provide free medical financing and also a wide variety of repayment plans to consumers, many of which have competitive interest rates.

Help with dental bills - There are also many programs that provide assistance for these treatments. Patients can get free care or find help with paying existing dental bills. Or get free care, cleanings, and more, including assistance for uninsured children. Find how to get help paying dental bills.

Get help from a union. Receive a significant free cash grant from Union Plus to help pay medical bills. The funds can be used for a variety of expenses. There are certain costs that do not need to be repaid if you are a union member. Learn more about Hospital Care Grants for Union Members.

How to find a medical billing error on your own. It is estimated by many studies that about 80% of medical bills have at least one error on them, many of which are significant. Learn what to look for and how to find medical billing errors.

There is assistance available to pay deductibles on health insurance plans. Families can explore everything from charity programs to contacting the medical provider to ask for discounts or payment plans. With the industry continuing to emphasize high-deductible health plans (HDHP), more families than ever need help paying for that cost. Find help for health insurance deductibles.

Eliminate medical debt or bills

Debt settlement can eliminate medical bills. A new study shows that an illness or a condition that causes people to take on excessive medical debt or accrue unpaid bills can contribute to over 60% of bankruptcies. If you are behind on payments to your doctor or health care provider, debt settlement programs can eliminate most or all of your medical obligations. A lower debt level can help prevent a bankruptcy and get you back on solid financial footing, and debt settlement for medical bills is always an option.







Consolidate hospital and medical debts to save money on your interest costs. Learn about options available to patients. Many services from credit counselors or lenders can help people consolidate both hospital as well as other medical bills and debt. The are many companies and plans that focus on offering this type of consolidation, and the programs and resulting loans can be used to pay off your bills. More on consolidating medical debt.

Consumer credit counseling organizations may also be able to provide individuals with free assistance and guidance. Most of these are non-profit agencies. Get help with medical debts and addressing health care expenses, and learn more about a consumer credit counseling organization.

Save on COBRA health insurance coverage

A new federal law provides a 65% subsidy for COBRA Health Insurance. So if you lose your job you can retain your previous form of health care coverage at a somewhat affordable rate. Continue with Cobra Health Insurance plans.

Our medical and health care partners, many of which are non-profit 501c organizations, provided the information related to health and medical services. the goal is to help families of all income and health insurance levels pay their medical bills.

By Jon McNamara

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