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Disabled and Uninsured? Low Cost Healthcare Options

Posted by Louis B. Lusk | Nov 03, 2010 | 0 Comments

Disabled and Uninsured? Low Cost Healthcare Options

Low-Cost Healthcare Options for the Uninsured Due to the exorbitant cost of healthcare in the United States, most people applying for Social Security Disability benefits are uninsured. The consequences of remaining uninsured can be devastating, however. Uninsured individuals are four times more likely to avoid seeing a doctor for preventative or urgent care, and advanced stage diseases are diagnosed 30-50% more often in the uninsured. If you find yourself uninsured and unable to afford healthcare services, look into the following low-cost healthcare options: Community Health Centers At community health centers, fees are based on your income, so you only pay what you can afford. Community health centers are regulated by the federal government and are located all over the country. Free Clinics Free clinics provide healthcare and prescription medication for free or at a low cost to uninsured individuals. Some have pharmacies on site, some rely on pharmaceutical company samples, and some have an arrangement with local pharmacies. Hospitals You may be able to receive free or low cost care at public hospitals or private nonprofit hospitals. Contact your state's health department to find out if any of these types of facilities are located in your area. Social Service Agencies Social service agencies or religious groups in your local area may have emergency funds available to help you with medication purchases in times of crisis. Contact a local church, United Way, Salvation Army, or Goodwill for more information. Financial Assistance from Government Programs and Nonprofit Organizations If you have a specific disease, look for government programs and nonprofit organizations that advocate for people with specific chronic diseases. The National Institutes of Health website features links to organizations that provide financial assistance to people with certain conditions. Medicare If you are elderly or disabled and have limited income, you may qualify for Medicare, a federal health insurance program that covers the costs of medical care and hospital stays. Medicaid Medicaid is a health and medical services program for low-income individuals and families. Each state sets its own Medicaid eligibility guidelines and makes the final decision about what their Medicaid programs provide. Services that all states are required to provide in their Medicaid programs include inpatient hospital services, outpatient hospital services, prenatal care, vaccines for children, and more. Migrant, Rural, and Indian Clinics Migrant health clinics provide healthcare to migrant laborers. Rural clinics are located in rural areas and typically serve Medicare and Medicaid patients. Indian Healthcare Services clinics are tribally-administered and provide healthcare services to Native Americans. For more information about low-cost healthcare services, check out this list of resourc

About the Author

Louis B. Lusk

About Louis B. Lusk – Disability Attorney Attorney Louis B. Lusk has helped thousands of disabled individuals recover Social Security disability and SSI disability benefits.  He is an active member of the National Organization of Social Security Claimant's Representatives (NOSSCR), an organizat...

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If you have been turned down for Social Security disability call me at 1 (800) 501-5416.  I look forward to hearing from you.

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