Getting Help Paying for Care: Patient Assistance Programs
The CFPAF helps qualified patients with insurance
deductibles, co-insurance and co-payment costs. For more
information, visit www.cfpaf.org.
Living with cystic fibrosis means you will be facing a lifetime of covering very expensive medical care, including prescriptions, durable medical equipment, nutritional supplements, doctor’s appointments and hospitalizations.
All of these costs can really add up, even if you have adequate insurance coverage.
Even if you have really good insurance coverage, you are still going to have quite a few out-of-pocket expenses, which can accumulate and have negative consequences on your finances.
The Cystic Fibrosis Patient Assistance (CFPAF) Foundation, a subsidiary of the Cystic Fibrosis Foundation, is a co-pay assistance program designed to assist with the high cost of nebulized medications and pancreatic enzymes to treat cystic fibrosis.
The CFPAF helps qualified patients with insurance deductibles, co-insurance and co-payment costs.
In addition, the CFPAF provides referrals to other patient assistance programs, helps callers understand whether they might qualify for government-sponsored programs and helps them apply for those programs.
CFPAF also refers callers to other resources, such as utility and rental assistance. For more information, visit www.cfpaf.org.
What Patients Who Have Been Assisted Say About CFPAF
- Cathy called the CFPAF to apply for assistance with an emergency prescription.
“My experience with the CF Patient Assistance Foundation changed the way I think of aid organizations…I was truly moved when they responded to my emergency prescription situation. I called them out of desperation…My call was met with compassion and action. And that moved me to tears of gratitude.”
- Brandy was released from the hospital and called the CPFAF to get assistance on the same day. The alternative program she had applied to for assistance had not yet processed her application. The CFPAF was able to enroll her immediately and get her prescription the same day.
“I can’t thank you enough for helping me so quickly and not bouncing me back to the other program….You guys are great, it means a lot.”
Other Ways to Get Assistance Paying for Care
As a young adult living with CF, what happens if you have no insurance coverage? There are some options for you to consider.
If you need payment assistance for a specific prescription or treatment, you may qualify for medication from the drug company if you are uninsured or underinsured.
To determine whether your medication regimen has a patient assistance program available, call the CFPAF at 1-888-315-4154 or visit the NeedyMeds website, a nonprofit resource.
There may also be a government-sponsored program available to you that can provide you with the insurance coverage you need. In some cases, these programs provide potential cash benefits. Government-sponsored assistance programs include:
- Medicaid. This is a federal and state government-funded health insurance program that helps people who do not make much money and need health insurance.
Each state has its own guidelines as to who can get this and what health care services it will pay for. To learn more about what your state offers, search online for your state’s department of social services website, or go to Medicaid's website and and click on your state.
- Social Security. You may qualify for Supplemental Security Income (SSI) if you meet certain income and medical conditions that qualify you as disabled. SSI entitles you to monthly cash benefits and possibly Medicaid.
Also, you may qualify for Social Security Disability Insurance (SSDI) if you are disabled, unable to work and you have earned work credits through past employment. SSDI entitles you to monthly cash benefits and qualifies you for Medicare after 24 months of enrollment. For more information, go to the Social Security Administration's website.
You can also call the CF Legal Information Hotline to learn more or to get help with applying for SSI or SSDI at (800) 622-0385.
- State-Specific Adult Programs. Several states offer assistance programs to those with no insurance or who are underinsured. Visit our State Health & Income Assistance Programs map and click on your state to find out if there is an assistance program available to you.
While living with CF is costly, it can be much more manageable if you have a thorough understanding of your health care coverage and the public resources that are available to you, and a reliable advocate to whom you can turn when you need help navigating the confusing world of health insurance.
The CFPAF will speak with you to assess your situation. You can call the CFPAF at (888) 315-4154, 8:30 a.m. – 5:30 pm EST, Monday - Friday.
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