DealHack Guides

Paying for Unexpected Healthcare Costs - The Ultimate List of Resources (USA)

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The Dealhack Healthcare Resources Guide is a list of financial aid providers available for people diagnosed with chronic diseases or affected by critical injuries. The list includes non-profit foundations, patient assistance programs, savings cards, and other sources of financial relief for medical and living expenses.

Unexpected healthcare costs may affect not only your finances but also that of your family members. It helps to have a handy list of accessible financial resources outside your personal or professional network in case of life-threatening emergencies.

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Emergency Care

Air Care Alliance

Air Care Alliance is a collaboration of non-profit organizations that provides flight transport for individuals in need of emergency medical services. The members of this alliance offer a wide range of free or low-cost services for ambulatory and non-ambulatory patients (source).

Bristol-Myers Squibb

Bristol-Myers Squibb is a biopharmaceutical company that helps cover the cost of their marketed medications to low-income individuals with limited or no insurance coverage.

Call 1-800-721-5072 if you need further assistance (source).

Cameron Siemers Foundation for Hope

The Cameron Siemers Foundation for Hope provides financial assistance to individuals aged 18 to 30 years old diagnosed with life-threatening diseases. This public charity organization is giving away Life Grants of up to $5,000. The ones qualified to receive these grants can use the funds for medical treatments, pursuing their passions and hobbies, or fulfilling their life goals. Apply online by submitting a project plan on what you wish to do if you are awarded a Life Grant (source).

Cerner Charitable Foundation

The Cerner Charitable Foundation, formerly known as the First Hand Foundation, offers financial assistance to children 18 years and under. The grant covers transport, lodging, and medical equipment for specific diseases or disorders. Eligible applicants must be under a primary physician's care, qualify within the income requirements, and are not covered under any other insurance plan. Apply on or before the final Wednesday of the month for your request to be reviewed the following month (source).

Genentech Patient Foundation

The Genentech Patient Foundation was created to assist low-income individuals who cannot afford to buy Genentech-manufactured prescription drugs for various life-threatening diseases. Eligible patients must either be uninsured with a yearly income below $150,000 or have limited health coverage to pay out-of-pocket for Genentech medicines.

Call [(888) 941-3331](tel:(888) 941-3331) for more information about this program (source).

Good Days

Good Days is an independent non-profit organization that provides financial assistance to patients who cannot afford urgent medical care. Their Premium Assistance program covers various diseases and disorders and helps eligible individuals find the best insurance plan for their needs. Register online or call 877-968-7233 to apply for the program (source).

HealthWell Foundation

The HealthWell Foundation helps individuals with chronic and critical diseases whose health insurance plans are not enough to cover the cost of medical treatments. Cash grants to given to low-income applicants who meet HealthWell's Open Fund guidelines. This organization also provides re-enrollment funds to people who were past recipients of this financial aid program. Call [(800) 675-8416](tel:(800) 675-8416) or submit an application form online (source).

Insider Rx

The Insider Rx Savings Card is available for individuals with valid drug prescriptions. Apply online for free and use it to purchase Insider Rx-featured medications at discounted prices. Restrictions apply to cardholders 65 or older and those insured by Medicaid, Medicare, or Tricare (source).

Patient Access Network Foundation

The Patient Access Network (PAN) Foundation provides financial assistance to low-income individuals diagnosed with life-threatening diseases. Apply for an open fund or sign up for the waitlist if the funds are closed. Approved applicants may receive one full year of financial aid for medical treatments (source).

Patient Advocate Foundation

The Patient Advocate Co-Pay Relief Program provides direct financial aid to individuals with health insurance who need o pay out-of-pocket for prescribed medications. Applicants must meet the income, residence, insurance coverage, and diagnosed disease criteria to qualify for this program. The CPR Program offers open funds or health equities depending on the disease, which includes but is not limited to diabetes, Alzheimer's, Hepatitis, and various cancer types. Call 866-512-3861 or apply online (source).

Ronald McDonald House Charities

The Ronald McDonald House Charities provides temporary housing for patients being treated or recovering from critical diseases. These privately funded lodging facilities are built near hospitals and clinics so the patient's family members can visit them without traveling long distances. Find or contact your local Ronald McDonald Chapter for more information (source).

Rocky Mountain Children's Health Foundation

The Rocky Mountain Children's Health Foundation (RMCHF) offers financial and emotional support to families with children who are being treated for life-threatening diseases or injuries. This organization helps alleviate medical expenses and the cost of living accommodations, basic nutrition, transport, assistive devices, and more. Call 303-839-6782 and ask about the RMCHF Patient & Family Assistance program (source).

United Healthcare Children's Foundation

The United Healthcare Children's Foundation (UHCF) Grant Program offers financial assistance to children 16 years old and below who belong to low-income households. Eligible applicants must also have a Social Security Number, commercial insurance coverage, and is under licensed medical professional care. Approved applicants will receive a grant after 60 days, and the amount is capped at $5,000 per year and must not exceed a lifetime maximum of $10,000 (source)

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Organ Transplant Patients

American Transplant Foundation

The American Transplant Foundation (ATF) offers the Yi-Fa and Margaret Chang Giving Fund as part of its Patient Assistance Program. This grant provides financial assistance to organ transplant recipients that experience post-transplant emergencies and difficulties. Applications for this grant must be submitted by individuals that already gone through the transplant and are eligible under the ATF Patient Assistance Program's income restrictions. Approved applicants will receive a one-time grant of varying amounts based on their medical needs (source).

Help Hope Live

Help Hope Live is a non-profit organization that raises funds for people in need of organ transplants. Submit an online application to receive personalized assistance on starting a fundraiser that can effectively cover all essential expenses for your transplant process (source)

National Foundation for Transplants

The National Foundation for Transplants (NFT) provides financial aid to individuals with transplanted organs. Register online to become an NFT Patient and qualify for assistance on managing your medical, lodging, and transport expenses during and after organ transplant surgery. The funds donated to the NFT also help people meet the income requirements for being put on the organ transplant waiting list (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Cancer Patients

Cancer comes in many forms, so it is difficult to find a cure for all of them. The cost of treatment is prohibitive even with insurance coverage. Fortunately, many non-profit organizations around the country offer cash assistance through grants and scholarships to help cancer patients and their families throughout the treatment and recovery process.

Allyson Whitney Foundation

The Allyson Whitney Foundation is giving away Lifetime Interrupted grants to young adults diagnosed with rare cancer types. This grant ranges between $500 to $1,500 and covers any essential medical and living expenses including but not limited to treatment, therapy, transportation, utilities, lodging, and insurance premiums. All applications to this grant must be referred by a registered physician, patient navigator, or oncology social worker to be considered eligible (source).

CancerCare

CancerCare provides free services such as professional counseling, support groups, workshops, and resource publications to individuals diagnosed with cancer. They also offer eligible recipients limited financial aid and co-payment assistance for cancer-related medical treatments, transportation, and childcare expenses. Connect with a CancerCare social worker by calling 800-813-4673 to apply for financial assistance (source).

Expect Miracles Foundation

The Expect Miracles Foundation provides financial assistance to young adults undergoing cancer treatment through their SamFund grants. Eligible applicants must be residents of the United States who are 21 to 39 years old, not financially dependent, and must not have been awarded this grant in the past. The applicant must have also either finished active cancer treatment or is in remission therapy. SamFund grants range between $1,500 to $2,000 (source).

Joe’s House

Joe’s House helps people diagnosed with cancer find affordable travel accommodations while they complete their treatments. This non-profit organization provides a directory of partner hotels, inns, hospitality houses, and other places that offer free or discounted rates to cancer patients. Go to their website and select your State to see all available locations in that area (source).

Lazarex Cancer Foundation

The Lazarex Cancer Foundation provides educational resources, financial aid, and community support to people diagnosed with cancer. Low-income individuals who wish to participate in FDA clinical trials for cancer treatments can apply for financial assistance from Lazarex to help cover out-of-pocket expenses (source).

Michael H. Flanagan Foundation

The Michael H. Flanagan Foundation provides comfort and support to leukemia patients and their families. This non-profit organization receives monetary and material donations from private individuals and more than two dozen partner companies. Any financial proceeds from this foundation are sent to individuals undergoing bone marrow transplants or end-stage palliative care (source).

Max Foundation

The Max Foundation is a private organization that helps fund cancer research and treatment programs. Aside from standard donations, partners and donors can participate in different ways such as Max-a-Thon athletic events and organizing fundraisers. Call 425-778-8660 or email their support team for more information (source).

National Collegiate Cancer Foundation

The National Collegiate Cancer Foundation  (NCCF) is a privately funded organization that provides financial assistance to young adults diagnosed with cancer through its General Scholarship Program. Eligible applicants must be 18 to 35 years old and are enrolling or already enrolled in an accredited university, vocational school, or college. The NCFFF also offers a Legacy Scholarship Program for young adults who lost a legal guardian or parent to cancer. Please email NCFF or call 240-515-6262 for inquiries (source).

Nicki Leach Foundation

The Nicki Leach Foundation assists young adults diagnosed with cancer through the Endowed Scholarship Program. This scholarship is awarded to incoming or current University of North Florida students who need financial aid to cover their educational expenses. Contact the foundation via email for the complete list of requirements (source).

Patient Advocate Foundation

The Patient Advocate Foundation helps individuals with cancer through various programs, including but not limited to financial assistance, scholarships, and co-pay relief. The financial grants have different requirements and are offered on a first-come, first-served basis:

Submit your application online or call (866) 719-2767 if you have any inquiries (source).

Sy’s Fund

Sy’s Fund was established to support cancer patients by providing them with gifts and integrative therapeutic treatments so they can enjoy life and pursue their hobbies. You can apply for this program if you are 18 to 39 years old, a United States resident, and currently diagnosed with cancer or any other disease related to chronic cancer (source).

The Bone Marrow Foundation

The Bone Marrow Foundation was formed to provide financial aid and free resources to cancer patients undergoing stem cell or bone marrow transplants. The organization's Lifeline Fund offers cash assistance to eligible individuals to help alleviate medical and living expenses not covered by health insurance plans. Apply online or call 1-800-365-1336 if you have additional questions (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Liver Disease Patients

AbbVie Patient Assistance Foundation

The AbbVie Patient Assistance Foundation, in partnership with myAbbVie Assist under the AbbVie Inc. pharmaceutical company, provides free medication for liver disease through its Patient Assistance Program. Eligible applicants must be United States residents with limited or no insurance coverage and provide proof of financial need. Sign up online through the myAbbVie Assist portal to qualify for free prescription drugs such as ribavirin (Moderiba) and glecaprevir-pibrentasvir (Mavyret). Call 1-800-222-6885 for more information (source).

Asegua Therapeutics

Asegua Therapeutics is a subsidiary of Gilead Sciences that offers a co-pay program for individuals diagnosed with liver diseases. Eligible applicants must meet the income requirements and be registered to a federal health insurance program like Medicare or Medicaid. Asegua helps these individuals pay for essential generic medications like ofosbuvir-velpatasvir (Epclusa) and ledipasvir-sofosbuvir (Harvoni). Call 855-769-7284 for additional inquiries (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Stroke Patients

BELIEVE Stroke Recovery Foundation

The BELIEVE Stroke Recovery Foundation offers one-time grants to stroke survivors in North Carolina who need help in covering the expenses of their physical, occupational, or speech therapy. Applicants must provide proof of financial need, lack of insurance coverage for recovery therapy, and a referral from their medical therapist (source).

Stroke Recovery Foundation

The Stroke Recovery Foundation seeks donations to fund partial scholarships for stroke survivors who are financially unable to seek treatment or if their insurance no longer covers physical, occupational, and speech therapy services. Please email the organization if you wish to apply for their Stroke Victor Recovery Fund (source).

Stroke Support Association

The Stroke Support Association (SSA) organizes support groups for stroke survivors living in Long Beach, California. Any member of these groups can request from SSA Special Need Fund if their current financial situation cannot cover therapy or assistive devices expenses. Fund requests are subject to availability and committee approval (source).

Stroke Survivor Fund

The Stroke Survivor Fund was created to help stroke survivors cover the financial costs of recovery. Applicants must be United States residents living in low-income households at least 21 years old. They must also have limited or no insurance coverage for their physical, speech, and/or occupational therapy services. The grants are awarded twice a year to eligible individuals (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Dialysis Patients

The federal government is responsible for paying 80% of dialysis expenses for most patients diagnosed with kidney-related diseases. The remaining 20% must be covered by the patient, which depending on their income, can still be expensive, since a single dialysis treatment generally costs $500.

American Kidney Fund

The American Kidney Fund (AKF) has a Safety Net Grant Program for dialysis patients who are either uninsured or have insufficient insurance coverage for their medical expenses. The grant is usually $100 daily for a full calendar year in most states and territories. Call 800-795-3226 or create a Grant Management System account on the AKF official website (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Diabetes Patients

Diabetes Mellitus is a chronic disease that requires constant maintenance. Insulin or glucagon medications are costly in the long run, even with insurance coverage. The following resources will help reduce the financial strain on people diagnosed with Type 1 or Type 2 diabetes.

Free Insulin Programs

Lilly Cares Program

The Lilly Cares Program has a Patient Assistance Program that provides free diabetes medication to eligible low-income legal residents of the United States who are uninsured or under Medicare Part D. Register online or call 1-800-545-6962 if you have additional inquiries (source).

Novo Cares Patient Assistance Program (PAP)

Novo Nordisk provides free diabetes medication through its Novo Cares Patient Assistance Program (PAP). Applicants must be United States legal residents or citizens not enrolled in Medicare or other government insurance plans (source).

Insulin Discount Programs

ADMELOG Insulin Discounts

Diabetic patients with commercial insurance coverage can apply for an ADMELOG Savings Card as part of the Insulins Valyou Savings Program. Eligible applicants can pay as low as $35 for a one-month supply of insulin injections (source).

**Apidra *Insulin* Discounts

Individuals with diabetes can apply for free Apidra insulin medication if their insurance co-pay coverage is less than $100. Uninsured persons who meet the eligibility requirements can only pay $35 for a 30-day supply of select Sanofi insulin products (source).

**BASAGLAR *Insulin* Discounts

Type 1 diabetes patients can apply for a BASAGLAR Savings Card if their prescription insulin is covered by commercial insurance. Cardholders can save up to $100 on every monthly supply of BASAGLAR medication (source).

**Fiasp *Insulin* Discounts

Employed individuals with insurance can apply for a save up to $150 on a 30-day supply of Fiasp diabetes medication. A valid prescription and Novo Nordisk Savings Card are required (source).

Lantus Insulin Discounts

Lantus offers a savings card for diabetic patients with or without commercial insurance. Uninsured applicants only need to pay $35 for a one-month supply of Lantus insulin. Those with insurance coverage can get a 30-day supply for $99 or free if they meet the eligibility requirements (source).

**Levemir *Insulin* Discounts

Diabetic patients with insurance coverage for Levemir can apply for a Novo Nordisk Savings Card. Valid cardholders purchase a monthly supply of any Novo Nordisk insulin product for $99. Restrictions apply (source).

**NovoLog *Insulin* Discounts

The Novo Nordisk Savings Card is available for diabetic patients enrolled in any commercial insurance plan. Cardholders can pay only $25 for a 30-day supply of NovoLog for up to 24 months. Restrictions apply (source).

**NovoLog Mix 70/30 *Insulin* Discounts

Diabetic individuals whose insurance plan covers NovoLog Mix 70/30 prescription insulin can save up to $100 on a 30-day supply. Apply for a Novo Nordisk Savings Card to activate this offer. Restrictions apply (source).

**Ozempic *Insulin* Discounts**

Diabetic patients can apply for a Novo Nordisk Savings Card to enjoy extra savings on Ozempic prescription insulin. The applicant's diabetes medication must be insured by their employer or a private insurance company. Cardholders can save up to a maximum of $150 for a 30-day prescription, $300 for 60 days, or $450 for 90 days prescription. Available up to 24 months from the activation date of your Savings Card (source).

**RYBELSUS *Insulin* Discounts

Employed individuals with a Novo Nordisk Savings Card can enjoy extra savings on a 1-month, 2-month, or 3-month supply of RYBELSUS insulin medication for diabetes (source).

**SOLIQUIA *Insulin* Discounts

A 30-day supply of SOLIQUIA 100/33 insulin shots is available for as low as $9 to individuals with eligible commercial insurance plans. Apply for a SOLIQUIA Savings Card to qualify for co-pay options (source).

**Toujeo *Insulin* Discounts**

Diabetic individuals enrolled in an eligible commercial insurance plan can get free or discounted insulin glargine injections when they apply for a Toujeo Savings Card. Uninsured applicants can pay as low as $35 for a 30-day supply of insulin products (source).

**Tresiba *Insulin* Discounts

The Novo Nordisk Savings Card is available for persons diagnosed with diabetes if they have commercial insurance. Eligible cardholders can save a maximum of $150 for every 30-day supply of prescribed Tresiba insulin they purchase. Restrictions apply (source).

Glucagon Discount Programs

Lilly Glucagon Discounts

Diabetic individuals can pay as low as $30 per unit of Glucagon injection if insured by eligible commercial or federal plans. Apply for a glucagon savings card from Lilly to avail of this offer (source).

BAQSIMI Glucagon Discounts

The BAQSIMI Savings Card is available for diabetes patients with commercial insurance coverage. Apply for a savings card to pay as low as $25 for two BAQSIMI nasal glucagon devices. Not available for uninsured individuals or if their insurance does not cover BAQSIMI (source).

Gvoke Glucagon Discounts

Persons with diabetes can apply for a Gvoke Copay Card to pay as low as $25 on glucagon injections. Available only for individuals with commercial insurance coverage. Call 1-877-694-8653 for more information (source).

GLP-1 Discount Programs

Trulicity Savings Card

The Trulicity Savings Card allows eligible individuals to pay only $25 for 12 Trulicity Glucose-like-peptide-1 (GLP-1) pens. Available for diabetic patients whose Trulicity prescription is covered by a commercial insurance plan (source).

Glucose Testing Device Discount Programs

Accu-chek

Accu-Chek offers discounted options for their Guide Me blood sugar meters, test strips, and FastClix or SoftClix lancets. Register online to receive a coupon, request a prescription from your physician, and go to your local pharmacy to redeem the discount (source).

Contour Next

The Contour Choice Co-Pay Savings Card is available for individuals with or without insurance coverage. Those with private insurance can save up to $105 per month on Contour Next test strips (packs of 25, 50, or 100). Uninsured persons or those willing to pay out-of-pocket can save up to $66 per month before taxes and fees (source).

Abbot FreeStyle

The FreeStyle Promise Program offers a free FreeStyle testing device and co-pay options for blood glucose test strips. Free battery replacement and prescription retrieval are also included for eligible applicants. Register online to qualify (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for Dementia Patients

The following resources are available for patients diagnosed with Alzheimer's Disease, Parkinson's Disease, and related dementias.

Hilarity For Charity

Hilarity for Charity (HFC) is a non-profit organization that provides financial assistance to caregivers of patients diagnosed with Alzheimer's Disease and related illnesses. Apply for the HFC In-Home Care Grant by following the guidelines on their website. A maximum of three grants will be awarded to any approved applicant within a period of 18 months (source).

Melvin Weinstein Parkinson’s Foundation

The Melvin Weinstein Parkinson's Foundation (MWPF) provides financial assistance to people diagnosed with Parkinson's Disease. Eligible applicants will receive a grant that can be used to cover the expenses of home healthcare services or assistive devices like walkers, canes, and wheelchairs. Call 757-313-9729 or email the MWPF for further inquiries (source).

Parkinson’s Wellness Fund 

The Parkinson’s Wellness Fund offers grants to help cover the expenses of patients with Parkinson's Disease and the caregivers looking after them. Apply online for free and connect with a PWF case manager to determine the amount you will receive based on your financial needs (source).

Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, Dementia Resources, HIV Resources.

Financial Resources for HIV Patients

The Human Immunodeficiency Virus (HIV), if left unchecked, leads to a fatal disease called Acquired Immunodeficiency Syndrome (AIDS). HIV treatment drugs are available to keep the viral load manageable and prolong the lives of HIV-positive individuals. Here are a few resources that can help relieve the financial cost of anti-HIV medications.

Gilead Sciences

The Gilead Advancing Access Program offers co-pay assistance to low-income individuals needing HIV prevention drugs and treatment. Eligible patients without federal insurance coverage do not need to pay out-of-pocket expenses for HIV medication. Call +1-800-226-2056  if you have additional inquiries (source).

Housing Opportunities for Persons With AIDS Program

Housing Opportunities for Persons With AIDS (HOPWA) is currently the only federal program providing housing options for persons with HIV/AIDS. Eligible applicants to this program are individuals diagnosed with HIV/AIDS who fall under the low-income category in their area of residence. HOPWA ensures that these people are given financial aid to cover their lodging expenses and HIV treatment programs (source).

Ryan White HIV/AIDS Program

The Ryan White HIV/AIDS Program offers grants to persons living with HIV/AIDS who lack the financial means or health coverage to seek HIV treatment and medications. This program is divided into several branches that cater to the needs of certain populations. Call the Health Resources & Services Administration (HRSA) for assistance (source).

**Go to: Emergency Care Resources, Organ Transplant Resources, Cancer Resources, Liver Disease Resources, Stroke Resources, Dialysis Resources, Diabetes Resources, *Dementia Resources,* HIV Resources.**

Please comment below if you want to suggest other sources of financial aid for unexpected healthcare costs.

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