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Resources for the Uninsured

Health resources for people without insurance vary from state to state. A consumer assistance organization, Cover The Uninsured, has compiled state-specific information about available services. There is a link in the resources section at the end of this article that can help you identify what specific resources might be available to you. In some cases you can get insurance coverage, and in other cases you can access free or reduced-cost health care services.

  1. COBRA

    • If you were recently laid off from your job and lost your insurance coverage as a result, you may be eligible for the COBRA program (COnsolidated Budget Reconciliation Act). This federal program is not insurance coverage, but it allows people who had insurance through a job to continue that coverage after the loss of employment. If you are eligible for COBRA you will have to pay for your health insurance yourself. You can remain covered for up to 15 months, and in certain cases coverage can be extended to 29 months. Family members who were covered while you were employed can continue to be covered under this plan. According to the Department of Labor, you may also qualify for as much as a 65 percent reduction in your premiums under certain circumstances.

    Low Cost Clinics

    • Often those without health insurance can get primary care from a local clinic that was established to provide services to low income and uninsured individuals and families. These clinics offer a wide range of services at a significantly reduced cost. Many times they use a sliding scale and base their fees on what the patient can afford to pay. These clinics can also provide help finding specialized care when needed. They will help you locate free or reduced cost sources for necessary prescription medications, including those required for ongoing medical conditions.

    Hospitals

    • Many non-profit hospitals are required to provide necessary medical care regardless of your ability to pay. Some states require all hospitals to provide care to all patients. If you go to the hospital and cannot pay, there is help available for you. Most hospitals will assist you in setting up reasonable payment plans. If you make an effort to pay but are unable to do so, contact your state Medicaid office to see if you can get assistance through one of those programs.

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