> You should never have to pay to apply. Drug-company programs are free. Be cautious of any service that charges a fee to "enroll" you in patient assistance.
What a patient assistance program is
A patient assistance program (PAP) is run by a drug manufacturer, or a foundation it supports, to help people who can't afford a specific medicine. If you qualify, the program may send the medicine to you or your doctor's office, often at no cost, for a set period such as a year.
Who may qualify
Each program sets its own rules. Common requirements:
- Income under the program's limit, often a multiple of the federal poverty level
- No insurance, or insurance that doesn't cover the drug (some programs also help people with coverage who still can't afford it)
- A prescription from a U.S.-licensed prescriber
- U.S. residency
Some programs accept people with Medicare Part D, usually with extra conditions. If you have Medicare, check first whether you qualify for Extra Help, which lowers Part D costs.
How to apply
1. Find the program for your medicine. The drug's manufacturer website usually lists it, or search free directories like the Medicine Assistance Tool, NeedyMeds or RxAssist. 2. Fill out the application. Most need proof of income and a section completed by your doctor. 3. Send it in and keep a copy. Ask how long approval takes and when you'll need to reapply.
Other places to look for help
- Community health centers may offer medicine at reduced prices, often on a sliding scale based on income. Find one at findahealthcenter.hrsa.gov.
- State pharmaceutical assistance programs in some states help older adults or people with certain conditions.
- Charitable foundations may help with copays for specific conditions.
PAPs and health coverage
A PAP helps with one medicine, for a limited time. Health coverage helps with all your covered care and caps what you pay in a year. With savings on Marketplace plans, coverage may cost less than you expect, depending on your income, household and state. A licensed agent can check what you may qualify for.
Common questions
Will a PAP cover all my medicines?
No. Each program covers only that company's medicines. You may need to apply to more than one.
Do I have to reapply?
Usually yes, often once a year. Ask the program when your approval ends.
Last reviewed October 2026. Rules can change and can vary by state; this page is general information, not legal or tax advice.