Health insurance premium grants

Get help with health insurance premium costs

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PAN’s health insurance premium grants help pay for health insurance premiums for patients being treated for various disease states. Our health insurance premium grants offer funds to cover a portion of your premium costs.

Find out if you or your patient qualifies for assistance by exploring our health insurance premium funds:

How health insurance premium grants work

We provide health insurance premium grants for a 12-month period, in full compliance with all relevant laws, regulations, and government guidelines. If you use the full amount of the grant during the 12 months and you still need additional funds to cover your premium costs, you can apply for a second grant based on availability

When you receive a PAN health insurance premium grant, we will pay your insurance company directly. If your insurance company is unable to accept direct payment from PAN, we will send you a reimbursement check. During your coverage period, we may also ask you to verify your insurance coverage and submit specific documents.

The amount of the premium assistance you can receive varies by disease fund.

Healthcare professionals, review our pages on how to enroll your patients and how to help patients with wait lists.

What’s covered

Health insurance premium grants cover the health insurance premium for an individual. If you’re covered under a family insurance plan, our premium assistance grants will help with the portion of the premium associated with your coverage. We can also help with the premiums for multiple insurance plans.

Find out if you’re eligible

Eligibility requirements vary by disease fund. Select a specific disease fund to find full eligibility requirements.

To be eligible for a health insurance premium grant, you (or your patient) must meet these criteria:

  • You’re getting treatment for the disease named in the disease fund
  • You have health insurance that covers your qualifying medication or product. Note: health insurance requirements vary by disease fund
  • Your prescribed medication must be listed as a covered medication within the disease fund you apply for
  • Your income must fall at or below the federal poverty level specified by the disease fund
  • You must reside and receive treatment in the United States or U.S. territories. Note: U.S. citizenship is not required

Learn about grants at a live webinar

Join PAN and NeedyMeds for live virtual webinars on finding financial assistance and how to apply for grants. Check our events calendar for “NeedyMeds and PAN Foundation webinars.”

How to apply

Step 1

Find your disease fund and check your eligibility with our easy pre-screening tool.

Step 2

Apply online or over the phone and find out instantly if you qualify for a PAN grant. To apply by phone, call us at 1-866-316-7263 Monday through Friday, 9 a.m. to 5:30 p.m. ET. Be prepared with this information for your application:

  • Your diagnosis and medications
  • Your health insurance carrier and insurance member ID
  • Your personal and contact information, including date of birth, mailing address, email address, and social security number
  • Your adjusted gross annual household income
  • Your provider’s contact information, including name and phone number

Learn more about applying

Get more information about how to prepare your application, what documents and information are needed, and how long it takes. Patients and caregivers, review our page on applying for grants. Providers and pharmacies, review our page on enrolling your patients.

How to renew your grant or apply for a second grant

You must be an active grant recipient to apply for a second grant or a renewal grant for an open disease fund.

Wait lists

If your fund is closed and you are eligible for that fund, sign up for the wait list. When the fund opens, we’ll contact you right away.

Before signing up for the wait list, check the fund’s eligibility criteria to make sure you qualify. The wait list does not guarantee eligibility, so checking your eligibility in advance can avoid delays when the disease fund opens.

You can also, sign up for FundFinder and get notified instantly when a fund opens at PAN or another charitable patient assistance foundation.

Other PAN grants

Transportation grants
If you already have a co-pay or premium grant, you can apply for a transportation grant. The transportation grant helps PAN patients pay for transportation to and from activities that improve their overall health. This can include transportation to and from grocery stores, pharmacies, medical appointments, social support, and more.

Co-pay grants
Co-pay grants cover your out-of-pocket medication costs. Through our disease funds, we offer a fast, reliable way to get help paying for medications.

Second and renewal grants
You must be an active grant recipient to apply for a second grant or a renewal grant for an open disease fund. Learn about eligibility and how to apply.

< Return to our grants page

Partners and other support

The PAN Foundation partners with other organizations, called alliance partners, who provide education and support for specific disease states.

We also provide information about how you can take advantage of the Social Security Administration’s Extra Help program, also known as the Low-Income Subsidy. The Extra Help program helps people on Medicare drug plans pay for the monthly premiums, annual deductibles, and co-pays related to their prescription medications. We encourage you to explore our partners and other support resources, in addition to PAN’s assistance programs.