2020 Primary Election Primer

We are in the beginnings of an election year in the United States and the first primary votes to determine the Democratic nominee will be cast in the coming weeks. Healthcare costs remain a top concern for voters, and candidates have developed varying proposals to improve healthcare, reform the current system, and reduce healthcare costs in the U.S.


Independent Senator from Vermont and 2016 Democratic Presidential Candidate Bernie Sanders has long championed the ideal of single payer healthcare, often referred to as Medicare for All in the U.S. In a single payer system, the federal government fully covers every service and procedure, including dental, vision, long-term care and abortion, with no out-of-pocket charge to patients. Bernie Sanders has often claimed Medicare for All is the only way to address deeper problems in the United States healthcare system, from medical bankruptcies to high maternal mortality rates, especially among poor and minority women. Senator Sanders has proposed allowing importing medication from abroad at lower costs and the creation of a government bureau to set drug prices based on their costs in countries like Canada, United Kingdom, and Japan. That bureau would also consider a drug’s research and development costs and federal investments that contributed to its development; if companies don’t comply with the price, the government could let other companies produce the drug.

Massachusetts Senator Elizabeth Warren joins Sanders in supporting a single-payer healthcare system, though has indicated that she would wait until later in her term to make such a drastic change. Senator Warren has said she would use existing executive powers to lower the price of high-cost prescriptions that were patented with government-funded research in her first days in office, and supports legislation to create a government-run pharmaceutical manufacturer that would act when a drug has shortage of competition or there’s a major price hike.

Photo by Marc Nozell

While many criticize that such an overhaul would be economically painful, the point is to streamline for patients an inefficient and harmful healthcare system that makes money for industry through irrational practices. Sanders and Warren want to reshape the healthcare system to be one that delivers efficient care at a reasonable price, not rewarding shareholders or buttressing the economy. Critics point to the high price of a single payer system — estimated between $20 and $36 trillion over the next decade — for why such a system is untenable. Under our current system, however, costs are projected to hit $52 trillion in the same amount of time all while the number of people with insurance is dropping and Americans are dying younger.


Other candidates support the creation of a public option being added to the current system in the pursuit of universal healthcare. Mayor Pete Buttigieg of South Bend, Indiana argues that a government-run health plan (that he calls Medicare for All Who Want It) would lower the cost of healthcare by competing with private insurers. Buttigieg supports caps on insurance premiums based on income and out-of-pocket costs for seniors, and increasing subsidies for low-income people shopping for insurance in the marketplace. He outlines plans to tackle surprise billing, limit what insurers can charge for out-of-network providers, and to empower the federal government to directly negotiate drug prices with pharmaceutical companies.

Former Vice President Joe Biden believes that slow incremental reforms are preferable to massive changes only ten years after passing the Affordable Care Act (ACA; aka Obamacare). Biden wants to protect the existing healthcare law that has been undermined by Congressional Republicans and the Trump administration, as well as expanding assistance programs for low-income Americans that have been eroded in recent years. The Biden Plan increases tax credits to help consumers pay for insurance coverage and proposes policies that encourage competition in the healthcare industry to drive down prices.


Minnesota Senator Amy Klobuchar has similar policy proposals to Buttigieg and Biden, including a public option and Medicare negotiating for lower prescription prices. Businessman-turned-presidential-candidate Andrew Yang has proposed treating specific challenges in the U.S. healthcare system in the pursuance of universal healthcare and lower costs as well as a universal basic income that would enable Americans to pay their bills, stay healthy, take care of loved ones, and put money directly into the hands of those in need.


Photo by Jose Moreno

The eventual Democratic nominee will campaign against President Donald Trump who ran on a platform of abolishing the Affordable Care Act, saying it would be “so easy.” He claimed in 2016 his ACA replacement would have “insurance for everybody”, “no one will lose coverage” or “be worse off financially”, and that “Everybody’s going to be taken care of much better than they’re taken care of now.” While Trump failed to secure a Congressional vote to repeal Obamacare, he has succeeded in undermining the healthcare law through executive orders that opened the door to low-benefit insurance plans with high out-of-pocket costs and eliminated subsidies for low-income patients buying insurance in the marketplace. The Trump administration has supported a lawsuit that could eliminate the ACA, which would remove patient protections including for people with pre-existing conditions. Across the country, nearly 30 million Americans could be dropped from their health insurance if returned to pre-Obamacare standards. The Trump administration’s approval of work requirements for Medicaid and other assistance programs have led to fewer people being covered but not improved their ability to find or perform jobs. Trump’s policies have contributed to the first increases in the uninsured rate since the Affordable Care Act became law. A Trump proposal to increase price transparency for prescription drugs and hospital services have faced challenges in court, and may even increase healthcare costs due to lack of competition in the industry.


Here at NeedyMeds we prefer to remain apolitical — we work in a diverse office with views across many spectrums — but we believe in making informed choices. It should be clear that we support improved access to care and lower costs for medications and health services for all. While NeedyMeds does not endorse any candidate for president, we encourage all Americans to vote in their state’s primary elections and the general election November 3.

Our site has databases of Patient Assistance Programs (PAPs), Diagnosis-Based Assistance (DBAs), and Free/Low-cost/Sliding-scale Clinics to help those in need. The NeedyMeds Drug Discount Card can save up to 80% off the cash price of prescription medications for those without insurance or choose to use the card instead of insurance, and is also available in a printable form or a smartphone app for Apple and Android devices. For more help finding information, call our toll-free helpline at 1-800-503-6897.

Healthy Holiday Travel & Mental Wellbeing Tips

We are in the midst of the holiday season in the United States and throughout the world. Many people travel to visit family during these months, including some who may be traveling with a chronic illness. We at NeedyMeds have some tips for healthy travel over the holidays along with suggestions for those with potential health concerns.

  • Learn the health implications of your destination. The Centers for Disease Control and Prevention (CDC) has the information you may need. Consider any special health needs for children, pregnant women, people with disabilities, chronic illness, or weakened immune systems. If you are traveling abroad, the CDC has a resource to see what inoculations are required and other things to keep in mind about different destinations.
  • Bring all your medications. Keep your medications in the original, labelled bottles. Keep the medicine in your carry-on luggage and never pack your pills in a suitcase you plan to check.
  • If you are flying, give yourself enough time to make it through parking, security, and other lines. Remember to be patient when encountering delays in travel.
  • If you are driving, plan your route ahead of time and pack a GPS, smart phone, or up-to-date road maps as a backup. Remember to get out of the car to stretch and get fresh air periodically.
  • Wash your hands often, no matter how you are travelling. Traveling by plane can put one in tight quarters with people from all over the country or the world, potentially exposing you to viruses you may not have antibodies for. Keeping your hands clean is an important step to avoiding sickness and spreading germs, especially while travelling or preparing food.
  • Sleep well the night before travel. While anticipation and excitement can make restful sleep difficult, we have tips for healthy sleep.
  • Eat well before hitting the road. A wholesome diet not only keeps one’s immune system in fighting shape and gives ample energy for the trip ahead, but it will help travelers avoid expensive and unhealthy junk food.
  • If you have a chronic illness, doctors recommend taking a health history information sheet (HHIS) that includes diagnosis, physician and emergency contact information, medications and dosages info. Travelers should bring a copy of all prescriptions along with their medication in its original packaging. The Transportation Security Administration (TSA) has guidelines for passengers with disabilities and other health conditions to avoid delays or complications if traveling by air. A medic alert bracelet or first aid kit will also ease the mind of those worried about managing their illness abroad.


The holidays are a great opportunity to enjoy being with loved ones, but they are not without their demands. Physical, emotional, and mental stress can accompany the holiday joy and can make everything a little harder for those already experiencing difficulties with their health. We at NeedyMeds have a few more tips for staying healthy during the holiday season:

  • Stay warm. The holiday season brings winter to much of the United States and cold temperatures can cause health problems, especially the very young and elderly adults. Stay dry and dress warmly in several layers.
  • Eat healthy & stay active. Holidays are often times of hearty meals followed by sweet desserts, but it is important to keep a balanced diet. Don’t skip out on fruits and vegetables at family dinners, and try not to be weighed down by the “food coma” — get out and be active.


The holidays can be stressful; familial obligations, cooking, cleaning, shopping, and even less sunlight can contribute to the deterioration of mental health. It is important to balance commitments, down time, and enjoyment. For some, the holidays can be particularly difficult. LGBTQIA people are generally more likely to report feelings of anxiety or depression, but the holidays can make those feelings much more acute — especially for those who have experienced rejection from their family. Being discouraged from expressing one’s authentic self can be a painful reminder that those close to them don’t accept who they are or feel unsafe

There are tips for maintaining your mental health in the face of holiday stress or challenging family environments:

  • Check in with loved ones and friends who support you. Those who do not have supportive networks, or may be in recovery, or coping with mental health issues, need compassion and affirmation. Surround yourself with friends or family you are comfortable being around, whether it’s through a phone call, text messages, and/or hangouts, online or in person. Checking in on your friends is a great way to make sure that you stay connected to yourself and your community.
  • Make a self-care plan. Make a list of what your triggers are and set personal boundaries before you visit your family or friends, as well as a list of ideas that calm you down. This list of ideas can include things that help you calm down like eating comfort food, getting sleep, putting off homework, crying, rescheduling plans, reading a good book, watching TV, or doing nothing at all. Feeling your feelings is healthy. Keep some positive affirmations on hand that you can turn to when you need a reminder that you’re doing the best you can if you’re struggling. This self-care list can also contain phone numbers and names of people that support you; include a number for a crisis hotline such as Samaritans, The Trevor Project, or Trans Lifeline.
  • Practice talking about your identity to a friend before you visit your family. In the case you may want to start having a conversation with your family about your pronouns or sexuality, practice talking about how you want to be treated. Expressing that you have an attraction for the same sex, other genders, or none at all, or that you want to be called by a certain pronoun can be very empowering, but it may not always be respected; if you need to walk away from any toxic conversations regarding your identity, that’s okay.
  • Remember that you deserve love and support. Whether you decide to step away from a holiday party because you are feeling overwhelmed, deciding to go to a friend’s house to be in a more supportive space, or if you are feeling suicidal, know that you are loved, you are worthy of compassion. You matter.


While we do not have information on programs that can help with traveling for the holidays, NeedyMeds has resources for those in need of assistance traveling to medical appointments, including specialists far away. For help, search for your diagnosis and look for Travel Expenses under Services to find programs that offer assistance. Some programs may offer transportation for non-medical purposes such as grocery shopping. There are also programs that offer meal delivery or food pantries for those in need with certain diagnoses, which can be found under Services as well. For more information, check our website or call our toll-free helpline at 1-800-503-6897.

Transgender Awareness Week & Remembrance Day

Transgender Awareness Week falls between November 13-19 every year and is meant to help raise visibility of a vulnerable and underserved community.  ‘Transgender’ is an umbrella term for people whose gender identity is different from the sex assigned at birth; ‘gender identity’ is one’s innermost concept of self as male, female, a blend of both, or neither.


Transgender Pride Flag

Transgender/gender non-conforming people experience gender dysphoria, a clinically significant distress recognized by the American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders (DSM) caused by a person’s assigned birth gender differing from the one with which they identify. This leads to increased depression among the transgender community, which can be exacerbated by being rejected by family and friends, abuse/violence, or experiencing discrimination. Gender-affirming operations have shown to yield long-term mental health benefits for transgender people.

Transgender and gender-nonconforming people can face significant problems with accessing health care. Finding a healthcare provider who is knowledgeable of transgender health issues can be a hurdle itself; some healthcare professionals may believe that there is something wrong with someone because they are transgender — these practitioners  are wrong. Even after finding a knowledgeable and sympathetic doctor, insurance may not cover the cost of treatment. Many transgender people are on a dosage of hormones which can affect one’s blood pressure, blood sugar, or in rare cases contribute to cancer. Some cancers found in transgender people can appear atypical — trans men are at risk for ovarian and cervical cancers, and trans women can be diagnosed with prostate cancer.


According to the U.S. Department of Health and Human Services, the Affordable Care Act (ACA) protects against discrimination based on gender identity. Despite these protections, over 27% of transgender/gender non-conforming people report having been denied healthcare. Even paperwork can be a barrier to access for transgender individuals as standard forms often only list “male” or “female.” Nearly 21% of transgender people in the US report being subjected to harsh or abusive language from a healthcare professional, and an almost equal amount say healthcare providers have blamed them for their own health conditions. Transgender people report the highest rates of discrimination and barriers to care among the LGBT community. To avoid discrimination, nearly a third (31%) reported in a survey that none of their healthcare providers knew they were transgender and an additional 17% reported that only some of their providers knew.


Transgender rights and protections have been diminished by the Trump administration. Early in 2017, the Department of Education rescinded Obama’s guidance on Title IX of the Civil Rights Act for transgender/gender non-conforming people in schools. The Department of Justice announced months later in October 2017 that civil rights laws do not protect transgender people in the workplace, reversing a guideline instituted by President Obama on Title VII. The case for Title VII was brought before the U.S. Supreme Court just last month (October 2019), and could have life-altering ramifications if the Court decides the Civil Rights Act doesn’t protect transgender individuals. Advocates for an already vulnerable population call the guidelines “license to discriminate” while others claim it is their “religious liberty” to deny services or access to individuals based on belief.

Transgender Awareness Week ends on November 20, known as Transgender Day of Remembrance, which is observed as a vigil commemorating the transgender people lost to violence. This year, the American Medical Association is extending efforts to curtail what it calls “the epidemic of violence against the transgender community, especially the amplified physical dangers faced by transgender people of color.” At the time of writing, over twenty transgender/gender non-conforming individuals have been killed in the United States — nearly all of whom were trans women of color — from violence ranging from gunshots to immolation to a transgender woman in ICE custody being denied healthcare. Awareness is vital for the stigma and misconceptions surrounding transgender/gender non-conforming individuals can be eliminated and allow all to be able live safely and in peace.


Human Rights Campaign (HRC) has information on finding insurance for transgender-related healthcare. To further help those in need, NeedyMeds has a growing list of programs in our Diagnosis-Based Assistance database for transgender/gender non-conforming people that offer various forms of assistance such as financial aid or legal services. We also have listings for recreational camps/retreats and academic scholarships for LGBT youth and their families. NeedyMeds’ unique crowdfunding platform HEALfundr is also available for individuals trying to raise funds for their transition. If you know any programs assisting transgender/gender non-conforming people that we don’t have listed on our site, leave a comment and let us know about it.

Trans Lifeline (transgender crisis support): (877) 565-8860

Open Enrollment for Healthcare Coverage

The Affordable Care Act (ACA; aka Obamacare) Health Insurance Marketplace begins its seventh Open Enrollment period today. American healthcare consumers can sign up on the federal insurance exchange at healthcare.gov or through their state marketplaces. In recent years there has been increased confusion surrounding Open Enrollment due to changes (and attempted changes) made to the ACA under the Trump administration, leading to the U.S. uninsured rate to rise for the first time since 2014 and the largest single-year increase since 2008.


When Obama was president and launched the ACA, Open Enrollment period ran 90 days beginning November 1 and running until the end of January. Open Enrollment was cut by President Trump to 45 days in 2017 unless you qualify for the Special Enrollment Period which extends enrollment by an additional 60 days. Advertising and outreach budgets for Open Enrollment have faced cuts, limiting the people able to access assistance or appropriate information that can help them.

New rules put out by the Trump administration allow ACA subsidies to be used for short-term, low-benefit insurance plans that can deny coverage based on pre-existing conditions. These plans often have lower premiums than those that offer Obamacare’s Essential Health Benefit but they set annual or lifetime payment limits, don’t cover prescription drugs, and have fine print excluding some conditions or treatments. Consequently, insurers providing short-term plans don’t have to pay as many medical bills, so they have more money left over for profits. The Affordable Care Act requires 75% minimum of premiums be spent on medical care. Trump’s junk plans are not subject to the same requirements and spend an average of 39% of your premium on actual medical care — some are as low as 9%. Junk short-term plans often lead to “surprise bills” for patients unaware of their coverage gaps.

Since federal resources are refraining from outreach, organizations such as Get America Covered are reaching out to combat misinformation and encourage enrollment. There is no longer a penalty for not having health insurance, but even healthy people can be faced with extraordinary costs for unforeseen health reasons — especially those without insurance. For those who have applied through insurance exchanges in previous years, they have to update their information and compare their options for 2020. If you have questions about signing up or want to talk through your options with a trained professional, free assistance can be reached by calling 1-800-318-2596 or visiting http://localhelp.healthcare.gov/.


NeedyMeds will continue to provide information as the need for assistance navigating the often expensive landscape of healthcare rises. The NeedyMeds website has databases of Patient Assistance Programs (PAPs), Diagnosis-Based Assistance (DBAs), and Free/Low-cost/Sliding-scale Clinics to help those in need. The NeedyMeds Drug Discount Card can save users up to 80% off the cash price of prescription medications for those without insurance or choose to use the card instead of insurance. In addition to the plastic card, the card is available in a printable form or a smartphone app for Apple and Android devices. For more help finding information, call our toll-free helpline Monday-Friday 9am-5pm Eastern Time at 1-800-503-6897.

Breast Cancer Awareness Month 2019

For more than 30 years, October has been National Breast Cancer Awareness Month in the U.S. Breast cancer is the second most common cancer among women, second only to skin cancer. With more than 240,000 women diagnosed each year, awareness can save lives through early detection and lowering risk.


The main risk factors of breast cancer include being a woman and being older, which means almost any woman can be diagnosed with no family history or other known risk factors. The Centers for Disease Control and Prevention (CDC) recommends healthy living habits such as maintaining a healthy weight, regular exercise, getting plenty of regular nighttime sleep, avoiding carcinogens, and encourages women to breastfeed their children. These steps may help to reduce one’s risk for breast cancer.

The US Preventive Service Task Force recommends that women between the ages of 50 to 74 should have a breast cancer screening called a mammogram every two years. Women in their 40s should begin consulting with a doctor about when to start and how often to get screened, often influenced by any family history of breast cancer. About 10% of breast cancer cases are found in women younger than 45 years old. Men can also get breast cancer, though it is rare; less than 1% of breast cancer diagnoses are found in men.

Breast cancer can present with a wide variety of symptoms or none at all. Symptoms can include a change in size or shape of one’s breast, pain in the area, nipple discharge other than breast milk, or a lump in the breast or underarm. These symptoms can be serious and a doctor should be consulted immediately. Mammograms cannot prevent breast cancer, but it is much easier to treat when detected early. More than 40,000 women die from breast cancer in the U.S. each year.


The Title X federal grant program is dedicated to family planning and preventative health services for low-income families and uninsured people — including cancer screenings. The Trump administration enacted a gag rule this year, forbidding healthcare providers to offer or even refer patients to abortion services, forcing Planned Parenthood and other sexual and reproductive healthcare providers out of the program. Planned Parenthood has served up to 40% of Title X recipients, providing contraceptive care, cancer and sexually transmitted infection (STI) screenings, prenatal care, and other crucial health services. It will be nearly impossible for other health centers to fill the gap being created, with patients in underserved states seeing longer wait times for appointments or going without care. Abortion services will be largely unaffected by the change.

A majority of Title X patients are people of color or low-income. Most patients in the Title X program don’t even realize they’re getting care through this program. For many women, the Trump administration’s gag rule will prevent them from being able to access breast exams and cancer screenings, which can impact the mortality rates from breast cancer. Without cancer screenings and other reproductive health services provided through the Title X program, low-income women are unable to access preventive health care.


NeedyMeds has over 200 national, state, and local programs that help individuals diagnosed with or at risk for breast cancer. These Diagnosis-Based Assistance programs provide financial assistance, mammogram screenings, medical equipment, prostheses, and more. We have a Diagnosis Information Page for Breast Cancer, a collaborative effort between NeedyMeds and the American Breast Cancer Foundation (ABCF). We also have records on more than 4,500 free, low-cost, or sliding scale medical clinics including nearly 500 Planned Parenthood clinics that offer women’s health services. Search your ZIP code and check for “Women’s Health” listed by Services to find locations near you. For assistance finding help near you, check the NeedyMeds website or call our toll-free helpline at 1-800-503-6897.