In 1965 President Johnson and the United States Congress created Medicare as part of the Social Security Act. A national program, Medicare is a health insurance program for people 65 years of age or older along with some people under age 65 with disabilities or end stage renal disease. It is broken down into four different parts.

• Part A is hospital insurance – covering expenses for hospital care, nursing facility care, and home health services.

• Part B is medical insurance for outpatient hospital care and doctor’s services. Unlike Part A, Medicare Part B is optional.

• Part C, also known as Medicare Advantage, is a combination of Parts A and B offered by private insurance companies (approved by Medicare) which generally also includes prescription drug coverage.

• Part D is prescription drug coverage, and similar to Part C, is offered by private insurance companies with Medicare approval.

For some people, Medicare covers all of their medical expenses. However, many people have additional out-of-pocket expenses. If you have limited income and resources, you may qualify for help

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One of the most popular sections of the NeedyMeds website is our listing of Free, Low-Cost, and Sliding-Scale clinics. As health care has become more and more expensive, the need for low-cost health care has increased. Many people living in more rural parts of the country have a very limited number of options to see a doctor, and depending on their insurance status the number of available “in-network” doctors is even lower. Many people do not regularly see their doctor, only seeking help when a more serious condition arises. It can be a scary situation to be uninsured and have an unforeseen medical problem come up.

Free, Low-Cost, or Sliding Scale?

We list three different types of clinics on NeedyMeds.org. The first are free clinics which are of no cost to the patient (self explanatory). The second are low-cost clinics which usually have a low flat-fee for all patients or types of visit. The third are sliding-scale clinics. The price for these clinics is based on the patient’s ability to pay, and is usually derived from their income and family size as it relates to the federal poverty level.

What

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Today many Americans find themselves struggling to pay for their medications, unfortunately leading to difficult choices between paying for food, rent, or prescriptions. Luckily pharmaceutical companies and other organizations are aware of this fact, and doing what they can to help alleviate costs for those struggling financially. For many drugs that may seem too expensive to afford there are Patient Assistance Programs (PAPs). These programs offer the drugs at little to no cost to the consumer.

Finding a Program for your Medication:

To apply for a PAP, first make sure one is available for your medication. You can look up each PAP alphabetically on the NeedyMeds site here. There are both brand name and generics listed. Once you find your drug, click on the name of the medication to get to the program details page. Here all of the contact information for the program is listed, along with the application form. You will need to contact the program directly to apply.

Eligibility Requirements:

Every Patient Assistance Program has it’s own set of guidelines and requirements. Most programs require that you are a legal

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As children grow up, they learn an important lesson: when you are sick, taking medicine usually helps you feel better in a reasonably short time. That acquired knowledge has helped generations of kids suck down foul-tasting cough medicine and other remedies.

In fact, “taking your medicine” has become cultural shorthand for doing something that may be unpleasant in the short run, but benefits one over the long term. This is certainly aided by the fact the United States has one of the safest drug supplies in the world; when you take a medication in America, you can count on it not only helping you feel better, but being safe for consumption.

Except when you can’t.

Illegal, unregulated pharmacies have become more prominent in recent years. Advertising and selling largely over the Internet, these criminal enterprises developed a niche selling medication to patients at cheap prices found nowhere else. But these savings come with a price: the drugs are often counterfeit, and are sometimes laced with dangerous substances. Antifreeze, road paint and rat poison have all been found in these discount fake medicines, and the National Association

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When caring for a loved one, many families look for financial assistance to help specifically with the cost of home care services. While there are programs that provide assistance in this area, many families fail to consider other forms of assistance that can make their loved one’s residence more accessible and safer. A safe and accessible home can actually reduce the need for home care services as well as prevent unexpected increases in home care services costs by helping to avoid injuries. This articles aims to help families better understand their financial assistance options for making home modifications for elderly or disabled individuals.

When thinking about financial assistance, it helps to first identify the different components of a home modification project. Most projects have costs associated with the materials and separate costs for labor. For example, one purchases bathroom grab bars from a hardware vendor and then pays a home contractor to install them securely. This separation is important because oftentimes assistance for these two parts comes from two entirely different programs.

Finding financial help for the

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