Low to moderate income families can get help paying for health insurance deductibles. There are a few charities and non-profits that may be able to assist, but most of the assistance involves the patient taking advantage of payment plans, direct negotiations, and other approaches. Find information below on steps to take to get assistance with a health insurance policy deductible.
Note each of these approaches to saving money on, or getting help for paying a deductible, comes with pro and cons. Some programs only help individuals with a limited income, and other tactics involve the patient asking for discounts and/or payment plans on their medical bills. It is often most effective to try to combine one or more programs.
When it comes to assistance from charities, the government, or non-profits, there are some resources to use. Each of will will tend to focus on helping very low income families or even those living in poverty. Some patients may be able to receive financial help to pay for a health insurance deductible or they can be given free care. In either case the assistance provided will help with a high deductible plan.
The first involves trying a charity for help. There are some organizations, including the Healthwell Foundation , that can offer a grant to pay for some or all of a health insurance deductible. They will tend to focus only on patients with a life threatening condition or serious medical illness.
A number of other charity groups can also assist with a deductible. There are organizations that tend to focus on help for premiums, co-pays, or deductibles on patients with certain medical conditions. Some charities assist cancer patients, there may be financial aid to help a parent with a sick child pay their health insurance deductibles, and also support for the disabled. Many other scenarios can be met as well. Find a listing of charities that help with medical bills.
Any family with a high-deductible health plan (HDHP) should also look into free medical care before they call a doctor or dentist. There are many options available, however they do tend to focus on individuals with a low income. Save money towards medical bills or a deductible, or even get free health care for free, from community clinics, hospitals that train student doctors or dentists, and other organizations.
Pharmaceutical companies can also offer support for families that are struggling to pay a deductible. Many of the nation's largest drug companies offer either discounted medications or even free prescriptions to low to even moderate income families. The options include Prescription Assistance Programs (PAP), discounted vouchers while can save money towards the deductible, or even coupons. Find other methods for how to get free prescription drugs.
All health insurance plans, including those with large deductibles or HDHP policies, offer free medical care on high deductible plans for preventative reasons. This was implemented as the result of Obamacare, also known as the Affordable Care Act (ACA). The free care is guaranteed by the federal government, and it can benefit all families, but in particular people seeking help for their health insurance deductible. Some of what can be provided at no cost includes mammogram screenings for women, flu shots, cancer check ups, and much more.
Look into cost sharing to save on a deductible. There are co-ops, or non-profit groups, that share the cost of a health insurance deductible among many members. Many of these are religious based, including for Christians. These charity type services will provide direct financial assistance to pay off some of the deductibles for members in good standing and that meet all criteria. More on Christian health insurance plans.
Apply for charity care from the medical provider. Almost all hospitals (and even some doctors in private medical practices) will offer some support to the working poor. But patients need to ask in advance. Check in with the provider’s billing office as well. Asking for charity care can in effect eliminate any expense from being placed towards the families high-deductible health plan (HDHP), if they have insurance at all.
This will involve the patient being very-proactive. They will need to shop around, ask for discounts on their medical care, negotiate, and take other steps on their own. So while these options will not provide direct financial help to pay for a health insurance deductible, they can still result in the patient saving a significant amount of money before they reach that threshold. As saving money on medical bills is critical until that deductible is hit.
Be sure to get the price for any medical care before proceeding. Patients have the right to ask a doctor or hospital how much a surgery, treatment, physical, etc. will cost before receiving the treatment. Knowing the up front costs is critical at all times to reducing bills and cutting back on debts, especially so when a family has a high-deductible health plan. After all, the prices of health and dental care vary widely, even in the same city or medical providers office.
If the price is not low enough, then high deductible plan enrollees should comparison shop or ask for flexibility with the cost due (see below). There are many websites and tools that people can use to look for a better price. There is data on prices for medications, surgery's and more, and the access to data is even increasing with more high deductible plans being offered to consumers. Be sure to get the price and quality of the provider.
Even if the price for a treatment is reasonable, anyone can always ask their medical provider for a discount on the service. If the cost of the treatment is reduced from some form of discount, this will bring down the cost to the consumer and save them money as they work to meeting the deductible on their health insurance plan. Comparing prices also makes the patient more knowledge when asking for a lower price.
Get help with a health insurance deductible by opening a health savings account. This will provide the family with some fairly extensive income tax breaks. Reducing state or federal government taxes in effect amounts to free money. The savings can then be applied to a premium on an insurance plan, medical debts, or just controlling the deductible. A consumer can open their own health savings account (HSA), or see if their employer offers this benefit.
Find assistance with a health insurance deductible from a specialist. There are professionals that focus on helping patients deal doctors, hospitals, and drug companies. Patients can use the services of a medical billing advocate. These are specialists that can walk families through the complicated (and high priced) health care system we have. The advocate will do everything from locating free or affordable medical care to finding billing errors, negotiating payment plans on treatments, and otherwise helping the patient understand both their premiums and deductibles.
Seek debt relief for overdue bills, including medical. There are non-profit agencies and counselors (both credit and medical bill advocates) hat take a holistic look at the household’s financial situation. They will review the deductibles on the health insurance policy, analyze where the families money is being spent, go over budgets, and provide additional services. While the focus is not necessarily on paying off a deductible, the agencies can have suggestions for the patient on that cost as well as other bills. Learn how to get assistance for debts from insurance deductibles.
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