Skip to main content

Help with Insurance Issues

Disclaimer: These resources are regularly reviewed to ensure that links still work correctly and the resources listed continue to be helpful to our visitors. If you find that a link isn't working or information is incorrect or if you'd like to have your own organization listed here, please email infocenter@lls.org. Because we want to be sure that our visitors find the most relevant resources, we encourage you to visit the organization's website for more detailed information.

2-1-1

2-1-1 is the telephone number of a call center that offers information and provides referrals to health and human services for everyday needs and in times of crisis. Services vary from community to community.

Examples of service referrals include:

  • Basic human need resources: food banks, clothing, shelters, rent assistance and utility assistance
  • Physical and mental health resources: medical information lines, crisis intervention services, counseling, drug and alcohol intervention
  • Employment support: unemployment benefits, financial assistance, job training, transportation assistance and education programs
  • Support for older Americans and persons with disabilities: home healthcare, adult daycare, congregate meals, Meals on Wheels, respite care, transportation and homemaker services
  • Support for children, youth and families: childcare, family resource centers, summer camps and recreation programs, mentoring, tutoring and protective services.

Everyone in the U.S. (check the website for availability in your area)

http://www.211.org/

2-1-1 Canada

2-1-1 is the telephone number of a call center that offers information and provides referrals to health and human services for everyday needs and in times of crisis. Services vary from community to community.

Examples of service referrals include:

  • Health services and support
  • Financial and social assistance
  • Housing and utility help
  • Food assistance and meal programs
  • Senior services and home care
  • Government program assistance
  • Parenting and family programs
  • Disability support services
  • Volunteer organizations
  • Newcomer services
  • Mental health support

Certain sections of Canada (check the website for availability in your area)

http://www.211.ca

CancerFinances.org

To provide individuals diagnosed with cancer with information and tools to help make sound financial decisions before, during, and after cancer treatment

  • Online ‘Toolkit’ offers targeted information about health insurance, disability insurance, education, employment, family building, medical bills, financial assistance, and more.

Cancer patients, survivors, caregivers, advocates, and health professionals

Website https://triagecancer.org/cancer-finances

Cancer Legal Resource Center (CLRC)

To provide information and resources on cancer-related legal issues to cancer patients, survivors, caregivers, health professionals, employers, and others coping with cancer.

  • CLRC offers a national, toll-free telephone assistance line where callers can receive free and confidential information about relevant laws and resources for their particular situation. It is a program of the Disability Rights Legal Center, based in Los Angeles, CA.

  • Provides free educational materials on its website, webinars, in-person workshops and trainings on cancer-related legal issues.

People affected by cancer as well as community groups, employers and health professionals in the U.S.

866-843-2572 http://cancerlegalresources.org/

Center for Medicare Advocacy

To advance access to comprehensive Medicare coverage and quality health care for older people and people with disabilities

  • Offers Medicare information by phone and through website
  • Offers a variety of products for purchase, such as publications, videos, recorded webinars
  • Provides Medicare-related legal assistance to residents of the state of Connecticut
  • Advocates nationally on Medicare issues for older adults and the disabled.

People with Medicare and their caregivers, professionals

860-456-7790 http://www.medicareadvocacy.org/

Center for Patient Partnerships

To engender effective partnerships among people seeking healthcare, people providing healthcare, and people making policies that guide the healthcare system.

  • Provides patient advocacy to people with serious illnesses regardless of income or residence.  Services are provided by supervised students at the University of Wisconsin-Madison Law School during the academic year (closed mid-December to end of January, spring recess, etc.).  May help with diagnosis and treatment concerns, coordination of care, medical decision-making, family matters, employment issues, medical bills and insurance, public benefits, disability programs, etc. Students do not provide legal, medical, nor financial advice.

Individuals in the U.S. with life-threatening and serious chronic illnesses, their families, and healthcare professionals

608-890-0321 or advocacy@patientpartnerships.org https://www.patientpartnerships.org/

HealthCare.gov

To host health insurance marketplaces and to provide consumers with information on the Patient Protection and Affordable Care Act (ACA).

  • Provides information about health insurance options in each state’s health insurance Marketplace
  • Provides information about financial assistance options to purchase insurance in Marketplaces

Individuals, families and small businesses looking for information about health insurance options

800-318-2596 http://www.healthcare.gov

Healthinsurance.org

Offers consumers information on medical insurance options, including federal and state programs, insurance for the self-employed, people with pre-existing conditions, COBRA, etc.

  • Information is current and updated as provisions of the Affordable Care Act are being implemented.

People seeking information about health insurance available in the United States

866-573-8466 http://www.healthinsurance.org/

HealthWell Foundation

To reduce financial barriers to care for underinsured patients with chronic or life-altering diseases.

  • As specific disease funds are available, provides financial assistance to underinsured individuals to help with prescription copays; health insurance premiums, deductibles, and co-insurance; pediatric treatment costs; and travel expenses.  Call or check website for eligibility criteria.
  • Website provides a resource list with links to other organizations.

Underinsured patients in the US living with chronic and life-altering illnesses who need help to afford their medical care and certain out-of-pocket expenses

800-675-8416 http://www.healthwellfoundation.org/

Medicare Rights Center (MRC)

To ensure access to quality, affordable health care coverage for older adults and people with disabilities.

  • Non-profit consumer service organization offers resources in easy-to-follow language, to help people with Medicare and their caregivers understand their rights and options
  • Telephone helpline offers consultation with knowledgeable counselors about a wide range of Medicare-related issues, including how to reduce premium and prescription drug costs and how to appeal a denial by an HMO or Part D plan
  • Biweekly newsletter, Dear Marci, offers explanations of Medicare coverage and options
  • Offers comprehensive services to professionals who work with people who have Medicare and must understand the "ins" and "outs" of the system.

People with Medicare and their caregivers, professionals

800-333-4114 http://www.medicarerights.org

National Cancer Legal Services Network

This multidisciplinary coalition aims to promote access to healthcare and to increase the availability of legal services for people living with cancer, their families and caregivers.

  • Website link to map and listing of legal organizations in the U.S.
  • These organizations assist with insurance disputes, public benefits, housing, employment issues, future care and custody planning, immigration, and advance directives.

Cancer patients in the U.S., caregivers, health professionals, attorneys

Website only http://www.nclsn.org/

Patient Access Network Foundation (PANF)

To offer help to underinsured people with life-threatening, chronic and rare diseases to get the medications and treatments they need by assisting with their out-of-pocket costs and advocating for improved access and affordability

  • Offers nearly 70 disease-specific programs to help patients pay for their out-of-pocket costs such as deductibles, co-pays and co-insurance, travel expenses, and health insurance premiums
  • Offers FundFinder, a free resource available via any internet-enabled device that provides information about disease funds at charitable patient assistance foundations
  • In partnership with Roundtrip, the Treatment Transport pilot program reduces the cost of rideshare trips booked through their app or call center for qualifying patients being treated for any of their covered diseases.  Call 1-833-662-3030 for eligibility criteria and to apply.

Underinsured patients with a diagnosis for which PANF has a fund (certain cancers, chronic illnesses or rare diseases), and meeting all eligibility criteria

866-316-7263 http://www.panfoundation.org

Patient Advocate Foundation (PAF)

To provide professional case management services to Americans with chronic, life threatening and debilitating illnesses.

  • PAF Case Managers serve as active liaisons between the patient and their insurer, employer and/or creditors to resolve insurance, job retention and/or debt crisis matters as they relate to their diagnosis; may also be assisted by doctors and healthcare attorneys. PAF seeks to safeguard patients through effective mediation assuring access to care, maintenance of employment and preservation of their financial stability.
  • Offers PAF authored publications and content, distributes booklets and publications
  • Offers an annual scholarship program for survivors
  • PAF Co-Pay Relief Program provides direct financial assistance to insured patients who meet certain qualifications to help them pay for the prescriptions and/or treatments they need. This assistance helps patients afford the out-of-pocket costs for these items that their insurance companies require. For details, call 866-512-3861.

People in the U.S. with chronic, life-threatening and debilitating illnesses

800-532-5274 http://www.patientadvocate.org/

Patient Services, Inc. (PSI)

PSI supports people with expensive chronic illnesses and conditions through locating solutions with health insurance and assisting with premiums and prescription co-payments to facilitate positive health and well-being.

  • Evaluates an individual's financial, medical, and insurance situation to determine who is eligible for premium or co-payment assistance.
  • Offers an interactive insurance navigation tool to help locate potential insurance options in the U.S.

People with chronic illnesses and conditions in the U.S.

800-366-7741 https://www.patientservicesinc.org/

Social Security Disability Help

To inform people on how to navigate the process of applying for Social Security Disability benefits

  • Provides information to individuals who are seeking to apply for Social Security Disability (SSD) benefits or have been denied
  • Helps to locate an attorney or advocate who can assist with the process 
  • Offers an online forum, blog, and list of helpful resources such as a glossary, FAQs, and disability benefits calculator.

People seeking information about Social Security Disability Insurance

Website only http://www.disability-benefits-help.org/

Survivorship A to Z, Inc.

To provide people with a life challenging condition such as cancer or HIV/AIDS with all the practical, legal and financial information they need through the entire continuum after a diagnosis.

  • Online resource for information about employment, insurance, finances, government programs, day to day living, medical care, planning ahead, emotional well-being.

People living with cancer or HIV/AIDS and their caregivers, health professionals

Website only http://www.survivorshipatoz.org/

Triage Cancer

To help navigate cancer survivorship from the point of diagnosis throughout life, by providing education on all types of cancer survivorship topics

  • Offers free in-person and online educational events, a speakers bureau, and online educational materials and tools. Resources cover a wide array of topics including guides on reasonable accommodations, chemo brain, insurance, employment, finances, etc.

Cancer patients, survivors, caregivers, advocates, and health professionals

424-258-4628 or info@TriageCancer.org http://triagecancer.org/