FAQ: Health and Care
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Consumer Advocacy and Consulting
- Are there any resources or organizations that can assist consumers make decisions regarding health care and insurance options?
- I am currently covered by Medicaid due to a disability. I would like to seek employment but fear private insurance will not sufficiently cover my medical needs. What other health care coverage options are available to working individuals with disabilities?
Dental
Financial Assistance Paying Medical Bills
- How do I as a person with a disability find government assistance in paying for doctor or medical bills?
- Our child with Cerebral Palsy requires an operation that insurance will not cover. How can we fund a needed operation?
- I do not have good health insurance! How do I find assistance in paying for mounting doctor or medical bills?
- I do not have insurance, are there any non-insurance programs that can offer assistance in paying for mounting medical bills?
Health Emergencies
Home Care
Presciption Drug Assistance
- Are there special prescription drug benefits for Veterans?
- I am unable to pay for necessary prescription medication. Are there any financial assistance programs available?
- I am deaf and have had trouble communicating with nurses and doctors when I've been to the hospital. Under the Americans with Disabilities Act, are they required to provide interpreters?
Safety
Q: Are there any resources or organizations that can assist consumers make decisions regarding health care and insurance options?
National
Wisconsin
A: For three national programs, visit this article at Reference.com What are some tips for getting charity dental work?
A: Health and Human Services has links to several resources, such as local health departments, dental schools and clinical trials. It also links to United Way, which has local chapters that may be able to assist in finding free dental services.
A: The following Wisconsin resources offer dental care services for people with disabilities. Many of the services offer free care. For more visit the link above.
(If you have used the Donated Dental Service, we would be interested in passing on your experience to others who are interested in this service, please send us your, Review a Resource.)
Medicaid is the federal and state partnership that provides health coverage for selected categories of people with low incomes. Although the Federal government establishes general guidelines for the program, each state has its own rules and therefore Medicaid programs are different in each state. To find your state Medicaid agency, visit Benefits.gov. Click on "Benefits." Select "Category." Click in the box labeled "Medicaid." Select the state in which you are a resident. Select the "Search" button at the bottom of the page. You can then access links to the agency, benefits and eligibility for your state's Medicaid program.
Q: I am currently covered by Medicaid due to a disability. I would like to seek employment but fear private insurance will not sufficiently cover my medical needs. What other health care coverage options are available to working individuals with disabilities?
Q: I have not seen a dentist for several years because I cannot afford dental care. Is there any program that offers dental service for free?
A: Visit our NHU Resource page on Donated Dental Services throughout the United States.
Q: How do I as a person with a disability find government assistance in paying for doctor or medical bills?
A: For government assistance in paying for doctor or medical bills as a person with a disability here are some suggested government resources. For more detailed information on each of these resources, visit our page Health and Care: Financial Assistance: Government Assistance Programs.
Q: Our child with Cerebral Palsy requires an operation that insurance will not cover. How can we fund a needed operation?
- Please review and ask questions of the granting agencies to see if you will be eligible for grants. (NHU does not endorse or nor can we guarantee any of the following services.)
- Contact the medical service and hospital that you will be using. They should have a good idea about financial aid programs in your community, as part of the hospital they may receive donations for this type of need. Fill out the forms and apply. Sometimes they will pay for it all, maybe just a percentage. You may have to qualify but sometimes you do not have to be low income or have an overwhelming amount of bills. They can also direct you to how much you would need to pay per month if you needed to pay for services as a loan.
- Contact your local Center for Independent Living for people with disabilities for financial assistance for health care in your area (Find your local Center for Independent Living
Ask for grants or other service organizations that may help you or low interest loan programs. - Find your local Social Services Disability Resource Center. They should be able to direct you to any resources available.
- This guide offers financial assistance by several foundations: Cerebral Palsy guide.com is written by lawyers and NHU is not endorsing them but they have a good guide.
One of the foundations mentioned in the guide is the United Health Care Children's Foundation - Grant Application Criteria for UHCCF - This link offers several ideas such as charities or church assistance programs. Ask your family or community to get behind your need. Organize a special fundraiser for your daughter's medical needs. Need Help Paying Medical Bills
- Visit the rest of this page Health and Care Frequently Asked Questions page and page down through Financial Assistance: Government Resources
- Contact your local United Cerebral Palsy, Epilepsy Foundation and ARC. Ask if they have any grants for which you could apply. Perhaps your local chapters of these large organizations would sponsor a fund raiser for your child's medical need.
- There are private and public ways to ask for assistance via social media. Review these carefully and find the one that might best fit your needs.
Q: I do not have good health insurance! How do I find assistance in paying for mounting doctor or medical bills?
- A: For help paying medicine, hospital or doctor bills, consider options as outlined by the American Cancer Society. See their comprehensive series of articles, Understanding Health Insurance for the Cancer Patient. These comprehensive articles offer complete information about insurance. In addition, it also suggests you enlist the aid of your social worker, speak to all parties to whom you owe money, possibly enlist them in assistance in your present circumstances, and consider asking for assistance for your mortgage, rent, food or utility bills to assist during your current situation.
- A: Find resources and programs to help with bills and expenses such as Budget Counseling and Emergency Financial Assistance, Free food and access to pantries, Medical Assistance and tips through Need Help Paying Bills. Use this website to locate resources in your area or state.
Q: I do not have insurance, are there any non-insurance programs that can offer assistance in paying for mounting medical bills?
Q:How can I be more prepared for a health emergency?
- A:
- A: A Nurses Guide to First Aid and Disaster Preparedness A first aid kit is a standard item to have when preparing for any type of emergency. It is a kit that’s stocked with medical supplies These kits can vary in size depending on how they’re intended to be used. People may carry a well-stocked kit in their vehicl, in their home, or one stored with the family’s emergency supplies. Health or medical emergencies, which can include a heart attack, stroke, or severe trauma, are serious and often life-threatening matters that require some form of immediate action. A person doesn’t need to be a nursing student or professional to recognize the warning signs of a potential health emergency. This guide includes first aid kit and health emergency information and resources. There is also resources on disaster preparedness
- A: See the guide in Guides Guide to Searching for and Selecting a Home Health Aide. Acquiring a home health aide can be a formidable, frustrating task. This guide gives you ideas on what to consider and how to find information.
- A: Prescription drug benefits are available from the Department of Veterans Affairs (VA). A 30 day supply of prescription medications costs only $2.00 through the VA (disabled or low income veterans can receive medications for free). A veteran must be honorably discharged from the military, must enroll with the VA and must be seen by a VA doctor. The VA may charge for a doctor visit, but your insurance may cover this charge (disabled or low-income veterans can visit doctors for free). If you are a veteran, you can call toll-free, (877) 222-VETS or (877) 222-8387.
- A: RxHope.com "can help prescribers obtain medications for their patients when the patient is unable to afford them and does not have access to prescription insurance or government-funded programs." This service is FREE. Physicians can visit their website and enter their request on the "Patient Assistance Request Form". Once completed, the request is sent directly to the pharmaceutical company for processing. Ask your doctor if they are familiar with this service.
- A: Prescription Drug Assistance Programs Overview The MMA legislation provides seniors and people with disabilities with the first comprehensive prescription drug benefit ever offered under the Medicare program, the most significant improvement to senior health care in nearly 40 years.
- A: Under the ADA, all health-care providers, including hospitals, physician offices, specialists, etc. must provide effective communication for a deaf or hard-of-hearing patient. If you are at a "critical point" in your treatment, the health-care provider is obligated to hire a "qualified" interpreter. There are tax credits available to the doctor for half the cost of interpreting services if the bill exceeds $250. If you have been denied translation services by a medical facility contact the Office for Civil Rights in the Department of Health and Human Services at (800) 368-1019.
- A: Wisconsin Electric has a voluntary registry for customers who rely on electrically powered medical equipment at their home called Medical Alert. If you register, they will help you develop a backup plan for power outages. To register, call their Customer Contact Center at 1-414-221-3333 in the metro Milwaukee area, or 1-800-242-9137 outside Milwaukee. For power outage, call their Lights Out number, 1-800-662-4797.
- If you do not live in the Milwaukee area, check your local power company for backup plans for power outages.
Q: How can I locate a home health aide?
Q: Are there special prescription drug benefits for Veterans?
Q: I am unable to pay for necessary prescription medication. Are there any financial assistance programs available?
Q: I am deaf and have had trouble communicating with nurses and doctors when I've been to the hospital. Under the Americans with Disabilities Act, are they required to provide interpreters?
Q: I rely on electrically powered medical equipment in my home. What can I do if the power goes out?
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