AHIRC: The Health Insurance Resource Directory

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Getting Health Insurance

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  • This website provides a list containing addresses and phone numbers for pro bono legal clinics throughout Arizona.
  • Louisiana's Medicaid Program provides a complete package of medical coverage for those who qualify. This site links to a document explaining all eligibility requirements, benefits, and types of coverage.
  • Mainecare is health insurance for families with children and pregnant women.This site has an application and a link to a handbook explaining eligibility and benefits. Eligibility specialists at local Department of Health and Human Services offices can answer questions and provide applications as well.
  • Delaware's Department of Insurance provides a list of the state's five top health insurance companies, along with other helpful information about choosing a health insurance policy.
  • Maryland Disability Law Center (MDLC) is the designated Protection and Advocacy agency for the State of Maryland, mandated to advance the civil rights of people with disabilities. They are a non-profit legal services organization.
  • The MassHealth program provides comprehensive health insurance or help in paying for private health insurance to Massachusetts children, families, seniors, and people with disabilities. This site has eligibility and benefits information about all of MassHealth's programs.
  • Medi-Cal is California's Medicaid program, a public health insurance program which provides needed health care services for low-income individuals including families with children, seniors, persons with disabilities, foster care, pregnant women, and low income people with specific diseases such as tuberculosis, breast cancer or HIV/AIDS. This site explains benefits, rates, and how to apply.
  • Medicaid is a government health insurance program available to people with very limited income and resources. This site has information on how to apply, what documents are necessary, what's covered by Medicaid, applicable income and resource levels, and more.
  • The Department of Community Health provides a list of qualified health plans operating in each Michigan county. Most are Medicaid plan options.
  • This site clearly explains the difference between Medicaid and Medicare and lists services covered by Medicaid, explains eligibility and income/asset limitations, Medicaid Spend-Down, how to apply for Medicaid and what to expect during the application process.
  • This brochure explains how the rights of Medicaid recipients, as well as how to enroll in a health plan, report problems and complaints, appeal health plan decisions, and more.
  • Michigan Protection and Advocacy Service, Inc. (MPAS) promotes, expands and protects the human and legal rights of people by providing them with information and advocacy.
  • All licensed Minnesota HMOs are listed with links to contact information and report summaries, including quality and performance measurements.
  • The Medical Assistance Program is for children under the age of 21, parents or relative caretakers of dependent children, pregnant women and people who are 65 or older or disabled who meet income and asset guidelines. Covered health care services include doctor visits, hospitalization, prescriptions, eye exams, eye glasses, dental care and more. There is no cost for Medical Assistance if the income limit is met, but for those who exceed the limit, Medical Assistance may still pay part of medical bills with a spenddown.
  • Medicaid provides medical services to people who meet certain eligibility requirements. This page links to all Medicaid programs in Missouri. Information about benefits and eligibility is listed with each program.
  • This site provides contact information for the Na Loio, which offers a full range of legal services, community education, and advocacy for those who are among the poorest, most vulnerable members of the community.
  • Nebraska Medicaid provides medical services to low-income people who are aged, blind, disabled, children, and others who meet eligibility requirements. It covers a wide range of medical services including physician, hospital, family planning, laboratory, x-ray, and other services. This site explains all Medicaid programs and benefits and links to an application.
  • NevadaLawHelp.org is a project of Nevada Legal Services, Inc. formed to provide the public with easy internet access to basic legal information and legal resources in Nevada.
  • This site describes the New Hampshire Legal Assistance, which provides representation, legal advice, information and support to low-income clients with legal problems in New Hampshire.
  • The New Jersey Department of Banking and Insurance provides a list of all health insurance carriers with contact information and links, and a frequently updated chart of rates for each standard plan.
  • This page links to various documents that will answer questions about eligibility for and benefits of Medicaid programs in New Mexico.
  • New Mexikids is free or low-cost health coverage for children under age 19. Eligibility and level of contribution are based on a family's income. New Mexikids covers regular check-ups, doctor visits, dental visits, hospital care, prescriptions, glasses, hearing and vision exams, and other services if deemed medically necessary.
  • Medicaid provides medical care and services to people whose resources are insufficient to meet such costs. Those eligible include elderly, blind, or disabled individuals as well as caretaker relatives and children under 21.
  • The Ohio Legal Rights Service (OLRS) is an independent state agency whose mission is to protect and advocate, in partnership with people with disabilities, for their human, civil and legal rights in the state of Ohio. Program staff include ombudspersons, disability rights advocates and attorneys who advocate for individual and systemic change through individual, group and class action cases; monitoring policies and legislative activity; and education and training.
  • Pennsylvania Legal Aid Network, Inc. (formerly Pennsylvania Legal Services) is a client-centered organization that provides leadership, funding, and support to improve the availability and quality of civil legal aid for low income people and victims of domestic violence in Pennsylvania.
  • Prairie State Legal Services offers free legal services for low income persons and those over 60 who have serious civil legal problems and need legal help to solve them.
  • Senior Info-line: 1-800-211-2116 This toll-free statewide telephone number links older Oklahomans and their caregivers to information and assistance at the local level. Calls are automatically routed to a specialist housed in one of the 11 Area Agencies on Aging or sponsoring agencies nearest to the caller.
  • The Attorney General's Office aggressively works to protect the rights of Missouri's senior consumers.
  • The Reduced Fee Program of the NH Bar Association assists people whose income is too high for Pro Bono (free) legal services, but who cannot afford to pay an attorney's standard rate. If you qualify for a reduced fee referral, LRS will refer you to an attorney who has agreed to accept certain cases at a reduced rate.
  • Rhode Island Disability Law Center (RIDLC) provides free legal assistance to persons with disabilities.
  • This website describes Rhode Island Legal Services (RILS) which provides a full range of legal assistance for low-income individuals, including advice and brief service, investigation, negotiation, and litigation in all state and federal trial and appellate courts.
  • This website provides contact information for the Senior Law Program, which assists the elderly in various legal matters.
  • SeniorLAW is a program which gives free benefits assistance to Milwaukee County residents 60 years and older. The program is made up of Benefit Specialists who provide information assistance and attorneys who provide representation in appropriate court cases.
  • SoonerCare provides health care to children under the age of 19, adults with children under the age of 18, pregnant women and people who are older than 65 or have blindness or another disability. Benefits include inpatient and outpatient hospital services, prescription drug coverage, family planning, pregnancy services, dental care for children, mental health services, podiatry services, transportation for covered Medicaid services and a nurse advice line.
  • Medicaid helps low-income individuals pay for the necessary medical expenses, including hospital stays, doctor visits, prescriptions, nursing home care and other health care needs. This site explains eligibility and provides an application.
  • The Tennessee Justice Center is a non-profit, public interest law and advocacy firm serving the poor. They give priority to policy issues and civil cases in which the most basic necessities of life are at stake, and where advocacy can benefit families statewide.
  • Medicaid provides medical coverage to eligible needy persons. The linked pamphlet 'Texas Medicaid in Perspective' explains benefits and eligibility.
  • Health Savings Accounts (HSAs) are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis.
  • Freelancers Union is a national independent workers' membership organization. In New York, Freelancers Union offers eligible members PPO or high-deductible health insurance plans through the Freelancers Insurance Company (FIC). All Empire Blue Cross Blue Shield doctors, specialists, and hospitals will accept FIC insurance. In order to be eligible, independent workers (defined as individuals who work as freelancers, independent contractors or consultants, or who are self-employed, employed part-time, temporary workers, or work for multiple companies at the same time) must have worked at least 20 paid hours in each of the last 8 weeks, or earned at least $10,000 for work done within the last 6 months.
  • The mission of the Legal Aid Society is to pursue justice for people in poverty. Legal Aid provides free legal services to low-income families and individuals facing serious threats to their physical and economic well-being.
  • The Legal Center is an independent public interest non-profit specializing in civil rights and discrimination issues. They protect the human, civil and legal rights of people with mental and physical disabilities, people with HIV, and older people throughout Colorado.
  • The Legal Services Developer for Aging offers legal referrals and information to individuals who are 60 or older. The Program also provides assistance about elder rights, end-of-life issues, guardianship and grandparents raising grandchildren legal rights.
  • This website describes the South Royalton Legal Clinic at the Vermont Law School. The clinic assists many Vermonters, particularly in Orange and Windsor Counties. Student clinicians provide help for persons otherwise unable to afford counsel.
  • The University of Hawaii Elder Law Program's (UHELP) staff provide direct legal services to older individuals (60+) who are socially and economically needy. UHELP has an attorney and a paralegal and operates throughout the calendar year as a law office.
  • Utah Medicaid pays medical bills for people who qualify for a category of Medicaid, who have low income or cannot afford the cost of health care, and who have resources (assets) under the federal limit for the category of Medicaid. Those with too high an income for Medicaid may still qualify for the Medically Needy Spend-down program. This page outlines all Medicaid programs and lists eligibility information and instructions on how to apply.
  • Although this page is intended for attorneys, it provides a list of pro bono legal projects in which attorneys provide free legal services to low income clients.
  • SCHIP provides free or low-cost health insurance to children in low-income families and independent young adults who are currently uninsured. Services include regular check-ups and immunizations, prescription drugs, dental, vision and hearing care, and outpatient and inpatient hospital services.
  • Legal assistance is provided to West Virginia seniors age 60 and over through a contract with West Virginia Senior Legal Aid, Inc. Targeting seniors that are economically disadvantaged, socially disadvantaged, disabled or rural, Senior Legal Aid works with private lawyers to provide assistance to older people.

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Health Care Reform

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LINC City and Regional Health Care Guides

AHIRC has written brief guides on getting affordable health care and insurance in cities around the country. These guides outline health insurance options in a practical Q & A format, and include links to pertinent websites and contact information for selected clinics and pharmacies.