Families and individuals who do not have health insurance in Massachusetts can apply for several different governments sponsored and non-profit medical assistance programs. Applicants will need to meet a number of low income conditions that are in place as well. Interested parties will need to meet any other conditions that the programs have in place, such as age or gender restrictions.
While there are some state mandated coverages required in Massachusetts, many people still struggle with paying their bills and/or finding the care they need. So these resources can help supplement any government or private health insurance you currently have. Or if you did not sign up for any of the state programs, then the various resources and services listed here may allow you to access the care that you need. The demand for assistance is high, and not everyone will qualify, so you should always apply as soon as possible.
Children and Youth with special health care needs can receive help from the state. They provide assistance in the form of medical, mental health care; dental, drugs; insurance premiums, special therapies; case management; and other family support services. 800-882-1435
The working poor and low income can also apply for Medicaid from MassHealth. This is the federal government grant and state funded health insurance program for eligible residents. The resources include other services as well, such as Massachusetts's version of the Children's Health Insurance Program, or CHIP. It is very comprehensive coverage. 800-841-2900
MassHealth Breast and Cervical Cancer Treatment Program can help diagnose and treat cancer for uninsured women. It will provide standard coverage and financial assistance for paying bills for women in need. Applicants need to have the screening done at a Women's Health Network site. Call 877-414-4447.
If a child does not qualify for MassHealth, then look into the Children's Medical Security Plan (CMSP). This particular resource is administered in the state by UniCare Health and Life Insurance Company. There will be a small premium due, but for some very low income families it could in fact be waived. Children may receive immunizations, hearing and vision screenings, dental exams, prescriptions, and lab tests, among other services. Call 800-841-2900 for information, including any fees that are due.
Commonwealth Care is the Massachusetts health insurance program for low income, working poor, and even moderate-income residents. It is only available as an option for those with no other health insurance resources available to them, whether private or public plans. The applicant needs to be age 19 or older, uninsured, and are paying full premium costs. They also can’t be eligible for MassHealth or other private insurance. Call 877-623-6765 for information on prescriptions, substance abuse reimbursement, and more.
Another similar option is Commonwealth Choice, which is for uninsured adult Mass residents that are not eligible for CommonwealthCare or MassHealth (see above). Residents are offered a choice of several different health insurance plans, including preventive and primary care, prescription drug coverage, and even mental health services. Most preexisting conditions can also be covered as well. There will be some bills that are due from enrollees, including monthly premiums and deductibles. 866-636-4654
PACE/Elder Service Plan is full and comprehensive medical services for frail elders and it will allow them to continue to live in their communities instead of a nursing home or other facility. This is offered as part of the federal government PACE program. 888-665-9993
Health Safety Net will pay for medically necessary services at Massachusetts community health centers and hospitals. It is an option for low income, uninsured residents. Financial assistance can pay for a number of different types of bills. Telephone - 877-910-2100
Healthy Start is for pregnant, uninsured, low-income women, and it is a free health insurance program. Women and their newborn can receive prenatal care (primary and specialty), amniocentesis, lab and radiology services, prescriptions, postpartum care up to 60 days, ambulance transfer for emergencies, home visits, medical equipment, outpatient mental health, and newborn care. Main number is 800-841-2900.
Massachusetts HIV Drug Assistance Program can provide the low income with free, FDA approved medications. Dial 800-228-2714.
Children can receive free Vaccines from VFC. The medications and vaccinations are offered to low income and uninsured families with children and a number of diseases and conditions are addressed such as flu and more. Call 617-983-6818.
The unemployed can apply for the Medical Security Program, or MSP. This is a health care plan for low and moderate-income residents who have lost their job and who are currently receiving unemployment benefits. The state can provide for direct coverage or assistance with paying health insurance premiums for those who have no existing health insurance coverage. Dial 800-908-8801.
In addition to above, Mini-Cobra may be offered. This will extend COBRA benefits to employees of Massachusetts small to mid size businesses who are not covered by the federal program. Call 617-521-7777.
Mass Pre-Existing Condition Insurance Plan can provide care for people who were previously denied coverage due to pre-existing conditions. The United states Department of Health and Human Services works closely with the state of Massachusetts. People need to have been uninsured for at least 6 months. There are a few plans to apply for. 866-717-5826
The Prescription Advantage drug insurance plan is available for the disabled and senior citizens who lack proper insurance coverage. Individuals who are currently enrolled in Medicare Part D may also benefit. For seniors who are not on Medicare, and who also meet other income guidelines, there are no co-payments or premiums due. 800-243-4636
WISEWOMAN in Massachusetts can help prevent stroke and heart conditions. The resource will try to prevent, delay or control cardiovascular and other chronic heart diseases. It will provide services such as free cholesterol checks and medications as needed for low income and uninsured women. 617-624-5441
The Statewide Head Injury Program is an option for people living with a household member that has a traumatic brain injury. Staff will identify clinical needs and help patients with accessing clinical services such as doctors, neurologists, pharmacologists, and therapists. Main number is 800-223-2559.
Women's Health Network -Breast and Cervical Cancer Screening is available at almost 100 community clinics and health centers across Massachusetts. If someone is diagnosed, they can be referred to treatment programs as well. Call 877-414-4447 for locations and details.
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