Do you have a medical expense that you can?t afford? You are not alone. Maryland and national organizations may be able to help offset some of your medical costs, mediate billing disputes or care denial, or provide free medical equipment.
Trợ giúp tài chính
First, talk with your healthcare provider about financial assistance programs. Many hospitals have patient programs to help reduce medical bills. Ask about the provider's financial assistance policy to learn about the details and eligibility requirements for care.
For example, the University of Maryland Medical Center can help patients get free or lower-cost services if they can't pay for all or part of their hospital care.
The hospital looks at your ability to pay for the care, including household income and family size.
The hospital may also be able to help you apply for coverage through Medicaid or Maryland Health Connection.
In addition to medical bills, prescription drugs can also be costly. If your doctor prescribes a medication you can't afford, there are prescription drug programs that can help at participating Maryland pharmacies.
You can also search the 211 resource database for programs and local organizations that can help.
Mediate a Medical Dispute
If you can't resolve the medical bill with your provider or have another medical issue, the Maryland Attorney General's Health Education and Advocacy Unit (HEAU) may be able to mediate the situation for free. They can help with:
- medical billing disputes
- surprise medical bill from an out-of-network emergency care facility or provider at an in-network hospital or surgery center
- received a bill higher than the good faith estimate
- billed for an outpatient facility fee by a Maryland hospital but didn't get a disclosure about the fee prior to the medical appointment
- medical equipment disputes
- inability to get medical records or copies of them
- private health plan coverage denial for all or part of care
- navigating a hospital's financial assistance program
- denied financial assistance or reasonable payment options from a Maryland hospital
- termination of private health plan
- denied enrollment in a Qualified Health Plan or denied Advanced Premium Tax Credits or Cost-Sharing Reductions by Maryland Health Connection
Find out if your medical situation qualifies for free mediation services.
Chronic and rare diseases financial help
If you expect to incur ongoing medical expenses due to a chronic or rare disease, you can apply for assistance through your provider and also reach out to national nonprofit organizations that may help.
Các PAN Foundation helps federally and commercially insured patients get the medication and care they need for life-threatening, chronic, and rare diseases. The organization helps with out-of-pocket prescription drug costs and also treatments.
Since 2004, they've provided $4 billion in financial assistance to more than a million underinsured patients.
Các HealthWell Foundation can also help eligible individuals with copays, premiums, deductibles, and other out-of-pockets costs for surgeries, supplements, and supplies. The organization has a number of Disease Funds that support individuals with certain diseases.
CancerCare also provides financial assistance and works with organizations throughout the country that can help with the costs of cancer care. Financial programs vary based on the type of cancer you have and by region. The co-payment assistance program covers certain cancer diagnoses.
You can also ask your provider if they have a financial assistance policy to cover ongoing care costs.
Free Medical Equipment
Durable medical equipment can be expensive if you have to buy it. When you only need it for a short time, it may not be worth buying it, or you may not be able to afford the cost if your insurer doesn?t cover it.
Khi cần thiết bị y tế dài hạn, Medicare, Medicaid, công ty bảo hiểm của bạn sẽ giúp bù đắp chi phí.
Nếu không phải như vậy, bạn có thể mua thiết bị y tế đã qua sử dụng và tân trang thông qua Chương trình tái sử dụng thiết bị y tế lâu bền của Maryland (DME). Nó được điều hành bởi Department of Aging, nhưng nó có sẵn cho tất cả mọi người ở Maryland, bất kể tuổi tác.
Bộ Lão hóa Maryland đã thảo luận về cách chương trình này hoạt động trên Tập 16 của What's the 211? tệp âm thanh.
The agency said it uses occupational and physical therapists to match the equipment with an individual properly. They ensure the size is proper for an individual based on their need, height, weight and any other factors. That helps ensure safety.
You can request equipment like canes, crutches, walkers, bed rails, shower chairs, wheelchairs, mechanical lifts, power scooters and home hospital beds. Inventory varies, so you have to submit a request.
Find Maryland DME locations and request forms for the equipment.
Tủ cho vay Maryland
You can also get medical equipment or assistive technology temporarily, through a community loan closet.
You can find wheelchairs, hospital beds, shower chairs, toilet lifts, bed rails, walkers, crutches, canes and other durable medical equipment you may need.
Các mặt hàng khác nhau và hầu hết được cung cấp miễn phí hoặc cho mượn với một khoản tiền đặt cọc có thể hoàn lại.
Ví dụ, trong Quận Charles, kho cho mượn cho phép các cá nhân mượn thiết bị trong 90 ngày. Các phần mở rộng được đưa ra trên cơ sở từng trường hợp, tùy thuộc vào hàng tồn kho của tủ cho vay.
TRONG hạt Howard, the Maryland Department of Aging is providing hospital beds and motorized chairs through the Howard County loan closet. The equipment is also accessible to residents of other counties including Anne Arundel, Baltimore, Carroll, Frederick, Montgomery and Prince George?s County.
If you can?t pick up the equipment, free delivery is available through đi xe hàng xóm in Howard County.
Since the Howard County Loan Closet opened in 2004, it?s distributed more than 35,000 pieces of equipment. Xem các thiết bị y tế hiện tại trong Tủ cho vay của Quận Howard.
Find a local provider by searching the 211 database:
- Thiết Bị/Vật Tư Y Tế
- Tủ cho vay y tế (mượn thiết bị y tế)
Quyên góp thiết bị y tế
If a family member no longer needs durable medical equipment such as a cane, crutches, or walker, you can donate it to help another individual in need. Donate to a community loan closet or the Maryland Durable Medical Equipment Re-Use Program (DME) through the Department of Aging.
Sau khi Bộ Người cao tuổi nhận được khoản đóng góp, thiết bị sẽ được vệ sinh, sửa chữa và phân phối lại.