HealthGap AI

Healthcare Resources

A curated directory of healthcare resources, savings programs, and protection options. For personalized matches, take the free assessment.

Get Personalized Matches

Medical Bill Help & Financial Assistance

VCARE Healthcare Advocacy

Membership

Membership-based healthcare advocacy service. Get help negotiating medical bills, navigating insurance denials, finding affordable care, and understanding your benefits.

Get Healthcare Advocacy

Hospital Charity Care

Potentially Free

Most hospitals are required to offer free or reduced-cost care based on income. Many patients qualify and never know it.

Learn About Charity Care

Patient Financial Assistance

Income-Based

Pharmaceutical companies and nonprofits offer free or low-cost medications and treatment assistance for qualifying patients.

Find Assistance Programs

Healthcare Access

Virtual Access to Doctors

24/7 Access

See a licensed doctor by phone or video - 24/7, no appointment needed. Covers urgent care, prescriptions, and general health questions. Powered by Careington.

Get Virtual Access

Community Health Clinics

Sliding Scale

Federally Qualified Health Centers offer sliding-scale care based on income. Many charge $0-20 per visit regardless of insurance status.

Find a Clinic Near Me

Direct Primary Care (DPC)

From $50/mo

Pay a flat monthly membership ($50-150) for unlimited primary care visits. No insurance needed. Find a DPC doctor near you.

Find a DPC Doctor

Health Insurance

Private Individual Health Insurance

Individual & Family

Enroll in a private individual or family health plan. Compare options and find coverage that fits your budget - no employer required.

View Plans & Enroll

Short Term Medical

No Insurance Gap

Temporary health coverage for gaps in insurance. Covers doctor visits, urgent care, emergency room, and hospitalization. Flexible terms from 1-12 months.

Get a Free Quote

Healthcare Savings

Prescription Savings - LowerMyRx

Up to 80% Off

Search any medication to find the lowest price at pharmacies near you. Free to use - no membership or insurance card needed.

LowerMyRx

Lab Test Savings

Up to 80% Off

Order lab tests directly at 50-80% below typical retail prices. No doctor order needed for many tests. Results in 1-3 days.

Get Started

Imaging Savings

Save 40-80%

MRI, CT scans, and X-rays at a fraction of hospital pricing. Pre-negotiated rates available at imaging centers nationwide.

Get Started

Short Term & Gap Coverage

Medical Expense Shield

Flexible indemnity coverage that pays cash benefits for covered medical expenses - doctor visits, labs, prescriptions, and more.

Get a Free Quote

Financial Protection for Healthcare Costs

Hospital Indemnity

Cash Benefit

Pays you cash if you are hospitalized - use it for anything: rent, bills, groceries. Fixed benefit plan, no network restrictions.

Get a Free Quote

Accident Protection

Cash benefits for covered accidents: ER visits, broken bones, ambulance, surgery. Pays on top of any other coverage you have.

Get a Free Quote

Cancer Protection Plan

Lump sum cash payment upon cancer diagnosis. Use the money for treatment, travel, lost income - anything you need.

Get a Free Quote

Heart Attack & Stroke Coverage

Cash benefit if you suffer a heart attack or stroke. Helps cover gaps in care, recovery costs, and time off work.

Get a Free Quote

Critical Illness Coverage

Lump sum cash if diagnosed with a covered critical illness - organ failure, ALS, MS, and more. Includes life and cancer options.

Get a Free Quote

Medicare Resources

Medicare Supplement (Medigap)

Medicare

Covers the gaps Medicare leaves behind - copays, coinsurance, and deductibles. Works with any Medicare-accepting doctor.

Get Started

Medicare Advantage (Part C)

All States

An alternative to Original Medicare that often includes dental, vision, and prescription drug coverage - sometimes with $0 premium. Speak with a licensed Medicare specialist.

Call a Medicare Specialist

Medicare Part D (Prescriptions)

All States

Standalone prescription drug coverage for Medicare beneficiaries. Compare plans to find the lowest cost for your specific medications. Speak with a licensed Medicare specialist.

Call a Medicare Specialist

Senior Dental Coverage

Medicare

Dental coverage designed for seniors - cleanings, X-rays, fillings, and major work. No waiting period on preventive care.

Get a Free Quote

Senior Hospital Indemnity

Medicare

Cash benefits if you are hospitalized - helps cover Medicare gaps, deductibles, and out-of-pocket costs seniors face most.

Get a Free Quote

ACA & Medicaid

ACA Marketplace Plans

$0 Plans Available

Check if you may qualify for ACA subsidies, Medicaid, or CHIP. Many people are eligible for $0/month plans and do not know it. Compare and enroll in minutes.

Check My ACA Options

Family & Legacy Protection

Life Insurance

No Exam Options

Term and whole life options to protect your family. Fast online application, no medical exam required for many plans. Powered by Ethos.

Get a Free Quote

Final Expense Coverage

Guaranteed Issue

Affordable whole life insurance designed to cover funeral and end-of-life costs. Guaranteed acceptance options available.

Get a Free Quote
Coming Soon

International Healthcare & Medical Travel

Learn about healthcare options beyond the United States.

Learn More

A Minute With Scout

Quick explainer videos on common topics.

Finding a Community Clinic Near You

A 60-second walkthrough of searching for low-cost clinics with Find Care.

Understanding Your Assessment Results

What your HealthGap AI results mean and how to use them to take the next step.

Medicare Basics in 60 Seconds

A quick primer on Medicare Parts A, B, C, and D before you start comparing plans.

What to Do About Medical Debt

First steps for tackling a medical bill you cannot pay — before it goes to collections.

HealthGap AI is a healthcare navigation and referral platform. It is not health insurance, a healthcare provider, a healthcare sharing ministry, or a law firm. HealthGap AI does not pay medical claims and does not provide medical, legal, tax, or financial advice. If you are experiencing a medical emergency, call 911 or seek immediate emergency care. Information provided is educational and informational only.

🚨 Medical emergency? Call 911 immediately.

Not health insurance. Not medical advice.

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Not health insurance. Not medical advice.

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