One of the most frequent questions we receive here on MyDepressionConnection is how to pay for medical treatment, therapies, and prescriptions when one lacks insurance or funding. Paying for prescriptions is another area of concern for many of our members, not just here on this site, but on all our HealthCentral health communities. Many of us don’t just suffer from one medical or mental health condition. Most of our members have multiple health needs which require financial resources. In response to this great need, I got together with some of my colleagues and friends here on HealthCentral to put together a comprehensive list of financial assistance articles and posts. Here you will find a compilation of articles written by our patient experts on how to find funding for either medical or mental health treatment in addition to prescription assistance specific for each health condition. We hope this information can help in some small way for you to get the medical and/or mental health treatment you need.
Disclaimer: HealthCentral is not responsible for the timeliness, functionality, or usefulness of any of the following links. As a patient or consumer, you are responsible for your health and well-being. You may have to read through a dozen articles, make multiple phone calls, or look at many websites in order to find the information you need. You are responsible for reviewing the information provided and ascertain which resources are most helpful for your unique situation.
Financial Resources for Finding Free or Reduced Cost Medical and Mental Health Treatments and Prescriptions: (The following informational articles are listed by health condition.)
ADHD
• ADHD and Taxes: Do You Need a Flexible Savings Account or a Health Savings Account
• Mental Health Resources When You Don’t Have Health Insurance.
• Escalating Cost of Asthma Treatment: What You Can Do
• 5 Ways to Save Money on Those Expensive New HFA Inhalers
• No Health Insurance? Breast Cancer Screening and Treatment on a Budget
• 10 Money Saving Tips for Pain Relief
• Finding Help When You Don’t Have Insurance
• How Do I Get Mental Health Services with No Money and No Insurance?
• Ways to Keep Your Depression Treatment Affordable
• Getting Insurance to Cover a New Diabetes Medication
• Headaches, Migraines, and the Economy
• Financial Assistance for Your Multiple Sclerosis Medications
• Financial Assistance for other MS-Related Needs
• How am I Going to Pay for This?
10 Things Not to Say to Someone With Depression 
6 Behavior Changes During Depression 
Getting to Know Your 5 Essential Brain Chemicals 
7 Ways to Make the Concrete Jungle Greener 
Is there anything out there that helps out when you have insurance ,but they have very high co-pays or high deductibles?
Hi there
I hear you. The co-pays and deductibles can be very high. Yes there are some strategies and resources to help.
Do you have a flexible health spending account where you work? This has helped our family greatly with out health co-pays. The advantage of such an account is the money is not subject to payroll taxes.
Another option is to discuss your co-pay or deductible with your doctor. Some doctors will waive these fees...not many...but some do. I have had mental health therapists who have given me a break in this way.
In addition there are resources to assist with these co-pays. Here is a good resource of organizations that may help:
Health Insurance: Financial Assistance to Pay Premiums, Deductibles, Copays, and Coinsurance
I hope this helps some. Let us know if you need any further assistance to find help.