If you are NOT eligible for Medicaid, Medicare or NJ FamilyCare, but still need help meeting your medical needs and expenses, there are places in New Jersey to turn to for affordable health care.
Federally Funded Qualified Health Centers (FQHC)
Comprehensive community-based primary health care is available on a sliding fee scale at any one of the Federally Funded/Qualified Health and Migrant Centers (FQHC) and their satellite offices in the state. Also known as Community Health Centers, the FQHCs all target the health care needs of the medically underserved within their respective service areas. Typical services include internal medicine, obstetrics, gynecology, pediatrics, geriatrics, medical and surgical sub-specialties, laboratory, podiatry, pharmacy, x-ray, dental, and mental health services. Care is provided at costs that are substantially lower than at other settings and are based on ability to pay. For a complete listing, click here. To find the most updated information and locations please visit the NJ Department of Health website here.
Free and Charitable Clinics
Free and Charitable Clinics are safety-net health care organizations that utilize a volunteer/staff model to provide a range of medical, dental, pharmacy, vision and/or behavioral health services to economically disadvantaged individuals. Such clinics are 501(c)(3) tax-exempt organizations or operate as a program component or affiliate of a 501(c)(3) organization.
Entities that otherwise meet the above definition, but charge a nominal/sliding fee to patients, may still be considered Free or Charitable Clinics provided essential services are delivered regardless of the patient's ability to pay. Free or charitable clinics restrict eligibility for their services to individuals who are uninsured, underinsured and/or have limited or no access to primary, specialty or prescription health care. Find a Free and Charitable Clinic near you.
Independent Health Care Appeals Program
The Independent Health Care Appeals Program (IHCAP), administered by the NJ Department of Banking and Insurance, is a review program used to assess whether or not a given insurance company has inappropriately denied medical coverage to patients. If an insurance carrier has denied coverage for a medically necessary treatment, the patient can submit an application for review through IHCAP to have the decision reviewed by a neutral party. Learn more about IHCAP.
Cancer Screening and Early Detection (CEED)
The importance of finding cancer in its early stages is well documented. Cancers that are potentially lethal can be relatively harmless if removed before they have spread to other parts of your body. The New Jersey Cancer Education and Early Detection Screening Program (NJCEED) is part of the New Jersey Department of Health and Senior Services. NJCEED provides comprehensive screening services for breast, cervical, prostate, and colorectal cancer. The services include education, outreach, early detection, case management, screening, tracking, and follow-up.
Persons eligible for these services must be at or below 250% of the Federal Poverty Level and be uninsured or under-insured. For more information, please call 1-800-328-3838. Find a screening center in your county.
World Trade Center Health Program
The World Trade Center (WTC) Health Program provides free medical monitoring and treatment for responders, survivors, residents, and students who worked, volunteered, lived, or attended school at or near the WTC and related sites in NYC, the Pentagon, and Shanksville, Pennsylvania, on 9-11. Those now living outside the NYC area have access to a nationwide network of providers.
- Annual medical examinations
- Treatment services for approved health conditions that cause problems like:- Trouble breathing with wheezing, like asthma- Being less able to do what you normally do without becoming short of breath- Frequent sinus problems or a constant cough- Frequent nose and throat irritation- Stress related illness, anxiety, and depression
- Medications for WTC-related health conditions
For further information about this program, or to submit an application, visit the National Disasters Interfaith Network website.
Information about this and other support topics related to September 11th terrorist attacks can be found at Voices of September 11.
Funds for Catastrophic Relief
When your child’s illness or condition, be it acute or chronic, is not fully covered by your insurance or other state or federal programs, you may be eligible for help from The Catastrophic Illness in Children Relief Fund which provides eligible families with financial assistance to help them cover medical expenses that were previously incurred because their child became catastrophically ill or injured. Covered expenses include, but are not limited to, special ambulatory care, acute or specialized in- or out-patient hospital care, medical equipment, medically-related home modifications, home health care and medical transportation. To learn more or to get an application, click here or call their Family Line 800-335-FUND (3863).
Disease or Condition-Based Assistance
If you have been diagnosed with a particular disease or disorder that is associated with a non-profit organization, you may be able to find financial assistance and emotional support through that group. Locate them on the Internet and call to inquire about their services. For many organizations, the only eligibility requirement is a qualifying diagnosis. For example, The Muscular Dystrophy Association is well known for its patient clinics, orthopedic assistance program, and the summer camps that it coordinates.
NJ Quitline, (1-866-NJSTOPS) is a FREE, confidential and multilingual telephone-based counseling and referral service for smokers who are ready to quit smoking. Highly trained Quit Coaches are available seven days a week. The Quit Coach works with each client to develop an individualized treatment plan including the use of NRT, customized support, and follow-up. According to the Centers for Disease Control, using Quitline services are 60% more effective than trying to quit smoking without assistance. For more information visit NJ Quitline or call 1-866-657-8677.
Managing the Cost of Cancer
Cancer touches everyone's life. Although you may never suffer from the disease yourself, you will certainly know someone who does. The care needed is often costly and many families who do not have adequate insurance coverage struggle to find a means of coping with the financial stress that comes with the care that a loved one needs.
Here are a few resources that may offer some solutions:
- Cancer Financial Assistance Coalition - Many organizations including the American Cancer Society and Cancer Care recently established this website to provide a centralized streamlined way for patients in need of financial assistance. The Coalition does not provide direct financial assistance, but it does offer information about sources that may be available to assist you. Learn more.
- Managing the Costs of Cancer Care is a comprehensive booklet published by the American Society of Clinical Oncology. It is available in PDF format and online here.
- The National Cancer Institute has devoted a portion of its website to financial resources that may be able to assist you. Learn more.
- Bankrate has published information on How to manage housing expenses during treatment.
County Wellness Programs
Bergen County - Save on prescription drugs, eye care, hearing aids and more. This free program is open to Bergen County residents as well as all NJ residents and there is no age or income requirement. To learn more call 201.336.7400 or visit their website.