Uninsured Patients Receiving Financial Assistance

Uninsured Patients Receiving Financial Assistance

One of the benefits of not having medical insurance is that there are patient assistance programs available to help patients receive free or discounted services, such as prescription assistance. These programs are designed for patients to get the care that they need for everything from a routine office visit to surgical procedures and aftercare.

Possible Available Programs

Patient assistance programs are available by most facilities for those that have no insurance or are a low-income household. In emergent situations, these patients are treated and the bill is worried about later. The medical problem itself is stressful to deal with but the bill makes the situation seem hopeless sometimes. Medical care providers understand this and many have patient assistance programs in place including reduced fee schedules, charity programs, prescription assistance and payment plans.

Charity Services

For those that are nearly desolate or with very low incomes, charitable patient assistance programs may be available. Income thresholds have to be compared against your necessary household bills and the medical services that have already been performed or those that are scheduled.

When you speak with the financial department of a hospital upon registration, ask about financial assistance programs or patient assistance programs to help with the bill due to your income. The associate that helps you will be able to provide information to you along with forms to fill out to start the qualifying process.

Qualifying for Assistance

In order to qualify for financial assistance or patient assistance programs, you must provide the entire income for the household along with household information. Some facilities will require a copy of W-2s and other income tax information for each adult in the home. If you are on state aid (welfare), you will have to provide proof of the assistance there too.

Additional pieces of information required:

  • List of household members and their ages
  • Proof of Social Security income
  • Proof of denied medical care coverage such as Medicaid and Medicare

Obtaining assistance for reduced medical services is possible, at least at a discounted rate for many patients.

Closing Thoughts

Keep in mind that not everyone will qualify for free or charitable care. Some patient assistance programs will deeply discount the cost of medical services. Make sure that you completely cooperate with the medical care facility in order to receive the biggest discount on your care possible. Even if you still end up having to pay a small portion of the bill, make payment arrangements and be sure to make those payments as agreed.

 

 

 

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One Comment

  1. It’s nearly impossible to find educated people about this subject, but you
    seem like you know what you’re talking about! Thanks

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