Medical expenses can quickly become overwhelming when you're living on a fixed disability income—but there are more resources available than most people realize.
In this article, we'll cover:
- Understanding your Medicare or Medicaid coverage gaps
- Hospital financial assistance and charity care programs
- How to negotiate medical bills and set up payment plans
- Prescription assistance programs and Medicare Extra Help
- State and local resources for people with disabilities
Start With Your Insurance Coverage
If you have Medicare through SSDI, make sure you understand what's covered and what your out-of-pocket costs will be. Original Medicare covers many services but leaves gaps, particularly for prescription drugs, dental care, and extended hospital stays.
Consider whether a Medicare Supplement (Medigap) policy or Medicare Advantage plan might reduce your costs. If you're on SSI with Medicaid, your coverage is typically more comprehensive with lower out-of-pocket costs, but verify that your providers accept Medicaid.
Hospital Financial Assistance Programs
Nonprofit hospitals are required to have financial assistance policies, often called charity care programs. If you received care at a nonprofit hospital and can't afford the bill, ask about their financial assistance application. Many hospitals will reduce or eliminate bills for patients below certain income thresholds.
Even for-profit hospitals often have hardship programs. Don't assume you don't qualify—apply and provide documentation of your disability income. The worst they can say is no.
Negotiate and Request Payment Plans
Medical bills are often negotiable. Call the billing department and explain your situation. Ask whether they can reduce the bill, especially if you can pay a lump sum. Many providers would rather receive partial payment than send accounts to collections.
If you can't pay the full amount even after negotiation, request a payment plan with monthly installments you can manage. Most providers will work with you to establish affordable terms.
Prescription Assistance Programs
Medication costs add up quickly. Pharmaceutical manufacturers often offer patient assistance programs that provide free or reduced-cost medications to people with limited incomes. Check the website of each medication's manufacturer or use resources like NeedyMeds or RxAssist to find programs.
Medicare Part D's Extra Help program can significantly reduce prescription costs for people with limited income and resources. If you're on SSI, you likely qualify automatically.
State and Local Resources
Many states have programs specifically for residents with disabilities facing medical expenses. Contact your state's health department or department of social services to learn about available programs. Local nonprofits, community health centers, and disease-specific organizations may also provide financial assistance.
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