HealthQuotes Protect
Not everyone who needs health care can buy a plan today. This section is for the people comparison sites usually skip — older adults, households on low incomes, people without stable housing, and anyone whose medical identity has been stolen. Everything listed here is free or low-cost, and none of it requires buying anything from us.
4 topics
Fraud & identity protection
Spotting stolen medical identity, correcting a contaminated record, and reporting scams.
Medical identity theft: how to spot it, stop it and fix your records
Medical identity theft can corrupt your medical record as well as your credit. How to read an Explanation of Benefits for fraud, freeze the damage, report it, and correct records that now hold someone else's blood type or allergies.
Free & low-cost care
Where to get treated when you have no plan, no money, or a bill you cannot pay.
Free and low-cost health care: what you can get without insurance
Community health centers, sliding-scale fees, hospital charity care, Medicaid and CHIP, prescription assistance and free helplines. The routes to care that do not depend on being able to afford a premium.
Help for older adults
Medicare support, cost-saving programmes, and the scams that target seniors first.
Protecting older adults: free Medicare help and how to spot a scam
Free, unbiased Medicare counselling through your state SHIP, help paying premiums and drug costs, and the scam patterns that target older adults most — plus exactly where to report them.
Care without stable housing
Getting enrolled, seen and reachable when you have no fixed address.
Getting health care without a home address
You do not need a permanent address, an ID, or insurance to get care. Health Care for the Homeless programs, emergency care rights, Medicaid without a fixed address, and free mental health and substance use help.
If you need help right now
- Emergency: call 911. Emergency departments must screen and stabilise you regardless of ability to pay.
- Mental health crisis: call or text 988 for the Suicide & Crisis Lifeline, free and 24 hours.
- Local services: dial 211 for free referrals to health, food and housing support.
- Medicare questions or fraud: call 1-800-MEDICARE, free and 24 hours.
HealthQuotes AI is not a government agency, a medical provider or a crisis service. We point you to official, free resources and never charge for access to them.
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