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Help with Bills

Đang chơi bàiLearn about the help you can get through the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Learn about government programs to help pay for phone bills, medical bills, and other expenses. You can also learn how to apply for temporary assistance.


  • Help for Individuals: Stimulus Checks

    The Internal Revenue Service (IRS) will be issuing one-time payments for many individuals starting in late April 2020. Most people won’t have to do anything to get their stimulus check. Find out if you qualify for a stimulus payment, if you’ll have to do anything to get it, and when you might receive it. 

    Help for Individuals: Expansion of Unemployment Benefits

    The CARES Act expands eligibility, amount, and duration of benefits for people impacted by the coronavirus. Read about those and other coronavirus-related changes to unemployment benefits.

    Home Loan Relief: Federally-Backed Mortgages

    Single family homeowners with federally-backed mortgages get two types of financial help:

    1. Protection from eviction and foreclosure through mid-May

    2. Reduced or postponed mortgage payments for up to a year

    Renter Relief: Multi-Family Homes With Federally-Backed Mortgages

    If you live in an apartment building with a federally-backed mortgage, you're safe from eviction till late July. Read more about that and about renter relief from some  states.

    Credit Report Protection

    Đang chơi bàiIf you're affected by the coronavirus pandemic, . If you follow that agreement, your creditor cannot change your credit report status; if you were up-to-date in your payments before the accommodation, your creditor must still report you as current. If you were delinquent in your payments before the accommodation, your creditor will continue to report you as delinquent until you bring the account current.  

    Federal Student Loan Relief

    Your payments will automatically stop during this period.

    Help for Businesses: Small Business Administration Loans

    The CARES Act creates or boosts programs designed to keep small businesses afloat. 

    Help for Businesses: Payroll Tax Credit for Businesses of All Sizes

    Đang chơi bài It will refund 50% of up to $10,000 in wages paid by businesses impacted by the coronavirus pandemic. Businesses that take small business loans are not eligible.  

    is a Federal Communications Commission (FCC) program. It helps low-income individuals and families get discounted landline or cell phone service. Some people also qualify for a free phone.    

    Am I eligible for the Lifeline program?

    You may if you or your family meet one of the following:

    • Have income at 135% or less than the
    • Participate in a government program including:
      • Head Start (if you meet income eligibility criteria)

      • Federal Public Housing Assistance (Section 8)

      • Đang chơi bàiSupplemental Security Income

      • Supplemental Nutrition Assistance (food stamps or SNAP)

      • Medicaid

      • Live on tribal land and qualify for certain tribal programs

      • Receive a federal veterans pension

    How do I apply for Lifeline?

    Đang chơi bài that offers Lifeline. You must apply through a local participating company.

    • Ask the company for a Lifeline application. They will need the following information from you:
      • First and last name

      • Address

      • Date of birth

      • Last 4 digits of your Social Security number (or tribal identification number)

    • You will also need to show at least one of these items:

      • Unexpired ID such as a driver's license

      • Prior year's tax return

      • Đang chơi bàiSocial Security card

      • Other documents to prove your identity

    • You will need to prove your eligibility by:

      • Showing a pay stub or tax return to prove that your income is at or below 135% of the or

      • Đang chơi bàiShowing a card or award letter to prove that you or your family participate in one of the following government programs:

        • Medicaid

        • Đang chơi bàiSupplemental Nutrition Assistance (food stamps or SNAP)

        • Supplemental Security Income

        • Federal Public Housing Assistance (Section 8)

    Who do I contact for extra help with Lifeline?

    Your local phone company is responsible for helping you apply for Lifeline and resolving any issues with your Lifeline service. To call them, look up .
    If you need more help or your company isn’t responding, .
    They can:

    • Đang chơi bàiFind companies that offer Lifeline-supported service

    • Đang chơi bàiLook up which company you are using

    • Help if your company refuses to help you or is unresponsive

    • Đang chơi bàiAnswer questions about how the program works

    They cannot:

    • Help you apply for Lifeline

    • Đang chơi bàiBuy more minutes

    • Sort out your bill

    • Đang chơi bàiReplace lost or broken handsets

    • Đang chơi bàiHelp you get specific information about your service plan

    Is there anything else I need to know about the Lifeline program?

    • To continue with your Lifeline service, .
    • If you can't afford a telephone, contact your local government or state social service agency.Đang chơi bài Local and state government agencies can  help you find an emergency cell phone donation program near you. 

    may be able to help with:

    • Assistance to pay your heating or cooling bills
    • Emergency services in cases of energy crisis, such as utility shutoffs
    • Low-cost home improvements, known as weatherization, that make your home more energy efficient and lower your utility bills.

    Đang chơi bàiLIHEAP funds may not be used to pay water and sewer bills.

    Am I eligible for LIHEAP?

    Đang chơi bài. Actual requirements may vary by state, city, or region. Each local LIHEAP office sets its own eligibility requirements.

    • A person or family participating in certain other benefit programs, such as the Supplemental Nutrition Assistance Program (SNAP), Supplemental Security Income (SSI), Temporary Assistance for Needy Families (TANF or welfare), or certain needs-tested veterans benefits may be automatically eligible.
    • Being qualified for LIHEAP does not guarantee that you will receive help. Whether or not you receive help depends on how much LIHEAP funding is available for the year.
    • On average, about 20% of households that are qualified for LIHEAP receive benefits. When LIHEAP funds run out for the year, no more benefits can be given until Congress makes more funds available.

    How do I apply for LIHEAP?

    Đang chơi bàiEach state has different rules about when you can apply, how you apply, and the criteria you have to meet to get help.

    • Contact your  for application details.
    • Your state’s application may be online. Check the  for a list of state applications available to print out, read, or submit online.

    Who do I contact for extra LIHEAP help?

    • To learn more about LIHEAP, see the program’s  list.
    • If you need help with your LIHEAP application, contact your  or the .

    Are there other places I can get help if I don't qualify for LIHEAP?

    If your income is too high to qualify for LIHEAP but you need help paying for your energy bills, your local social services agencyĐang chơi bài or a nonprofit organization may have funds to help. You can also contact your gas, oil, or electric company about budget billing programs or new payment options especially for customers with disabilities who are on Supplemental Security Income (SSI).

    How Do I Get Help With My Medical Bills?

    Learn how to find help from the government with medical bills and insurance options.

    Medicaid and CHIP (Health Care for Children)

    What help is available?

    Medicaid and the Children's Health Insurance Program (CHIP) provides help with paying medical costs for children of families who cannot afford health insurance or don't get it through their work. Learn more about eligibility and how to sign up for Medicaid and CHIP

    Social Security and Medicare

    What help is available?

    ) offices help those on Social Security and Medicare find help. People over 65, people with disabilities under 65, and people with end-stage kidney disease are eligible for Medicare. Learn more about how to apply for Medicare

    Medicaid for Adults

    What help is available?

    You may qualify for Medicaid, a joint federal and state program that helps with medical costs for some people with limited income from the .

    Am I eligible?

    Each state has different rules about eligibility and applying for Medicaid for adults.

    How do I apply?

    Each state has different application requirements for Medicaid for adults. to see if you qualify and to learn how to apply.

    Health Insurance Through the Health Insurance Marketplace

    What help is available?

    Đang chơi bài helps you find insurance options, compare care, learn about preventive services, and more. If your employer does not offer insurance, you are self-employed, or you prefer to purchase your own insurance, you and your family can get health, dental, and vision insurance through the .

    Am I eligible?

    Everyone is eligible for health insurance through the Marketplace. You may also qualify for subsidies to help pay your premiums. runs from November 1, 2018, to December 15, 2018. If you’ve experienced certain life changes, like loss of a job or childbirth, you may be eligible to make changes to your health insurance in a .

    How do I apply?

    How you apply for a plan in the Health Insurance Marketplace depends on what plan you choose. .

    How do I complain or where do I call for extra help?

    Visit the Health Insurance Marketplace's top questions section for additional help with finding or applying for health care. To file a complaint, call 1-800-318-2596 (TTY: 1-855-889-4325).

    Is there anything else I need to know?

    If you need more help getting or paying for medical care, try these resources:

    • Contact your state or local social services agencies to find out if you qualify for any health care programs in your area.
    • offer free or low-cost medical services including prenatal care.
    • Research institutes including the and the often list and studies that are seeking participants for research on medications and certain medical conditions.
    • Find out how you may be able to lower the cost of your prescription drugs and medical devices.
    • Charity care programs help uninsured patients who can't afford to pay their medical bills and don't qualify for government aid. The patient services department of your can help you find out if you're eligible. Reach out to the hospital before your medical service and explain your situation. If you don't qualify, the hospital may offer you a payment plan.
    • Learn about your from local and state health programs, government insurance plans, dental schools, and dental clinical trials for people with limited incomes.
    • You may qualify for to help with eye exams, surgery, prescriptions, or glasses.

    Đang chơi bàiIf you are uninsured or underinsured and must seek emergency medical treatment:

    Under the , you're guaranteed access to an emergency medical evaluation, even if you can't pay. The act requires hospitals that receive Medicare funding and that provide emergency services to evaluate anyone who comes to their emergency room and requests treatment. If the evaluation confirms that you have an emergency medical condition, including active labor, they are then required to provide stabilizing treatment for you regardless of your ability to pay.

    Help with Prescription Drug Costs

    Find government programs that can help you pay for prescription drugs.

    What help is available to pay for prescription drugs?

    • State human service agencies and provide direct assistance to people in distress or with limited access to health care with assistance and referrals to other local organizations that may be able to help.

    • You or your child may qualify for Medicaid or CHIP. Learn more about these programs.

    • If you are eligible for Medicare, you can get help paying for your prescriptions through Medicare Part D.

    Am I eligible for help with my prescription drug costs?

    The requirements for each program vary by state. Your state human services agency or your will determine your eligibility.

    How do I apply for prescription drug assistance?

    Your state human services agency or will be able to help you with the application process. Applications and requirements vary in states and cities.

    Where do I call for extra help with prescription drug costs?

    If you need additional help finding the right program for you, or you want to make a complaint about a program, contact .

    Is there anything else I need to know about prescription drug costs?

    • Đang chơi bàiContact the pharmaceutical companies that make your prescription drugs or devices, and ask for any low-cost options, samples, or discounts,

    • Learn more about finding generic drugsĐang chơi bài to lower your costs.

    Đang chơi bài is a federally funded, state-run benefits program. Also known as welfare, TANF helps families achieve independence after experiencing temporary difficulties.

    What help is available through TANF?

    Recipients may qualify for help with:

    • Food

    • Housing

    • Home energy

    • Child care

    • Job training

    Đang chơi bàiEach state runs its TANF program differently and .

    Some operate their own TANF programs.

    Am I eligible for TANF?  

    • Đang chơi bàiEach state or tribal territory decides who is eligible for financial help, services, or other benefits.

    • Đang chơi bàiYou must be a resident of the state where you are applying.

    How do I apply for TANF?

    Đang chơi bàiTo sign-up for temporary benefits, you can:

    • Apply at your local or county social services agency, or

    • for your local contact information.

    How do I report TANF benefit fraud?

    If you suspect possible welfare fraud, contact:

    What else do I need to know about TANF?

    If you receive TANF, you may be eligible to receive other government benefits.

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    Đang chơi bàiLast Updated: December 1, 2020