Money Trail Resources

Muscular Dystrophy Association
www.mda.org
(800) 572-1717
MDA helps with the purchase of wheelchairs, scooters, and leg braces, as well as repairs to these items. Help also is available for buying augmentative communication devices, and most MDA offices have a loan closet program providing items such as walkers, shower chairs, hydraulic lifts and hospital beds. In addition, MDAs clinic program offers medical management from neuromuscular disease experts at low or no cost.  

Government Benefits
This list will direct you to official information on the benefits available through federal and state agencies. These sites can be difficult to navigate.

Medicare

Medicares official site
www.medicare.gov
(800) 633-4227 [(800) MEDICARE]
Then dial "0" for general customer service representative, dial "4" to order publications or follow other options as given.

"Medicare and You 2003"
www.medicare.gov/publications/pubs/pdf/10050.pdf

Medicare Appeals and Grievances online publication
www.medicare.gov/publications/pubs/nonPdf/appeals.asp

Medicare Helpful Contacts page
www.medicare.gov/contacts/home.asp

Other Government Programs
Social Security Administration (SSA)

www.socialsecurity.gov
(800) 772-1213
For a listing of state telephone numbers you can call for help with any of the following programs, call (800) 633-4227, then dial "0" and ask for state telephone listings or customer service. You can also find Web site and e-mail addresses for your state at the sites listed below.

COBRA
http://cms.hhs.gov/hipaa/hipaa1/cobra/default.asp

HIPAA
http://cms.hhs.gov/hipaa/hipaa1/default.asp

Medicaid
http://cms.hhs.gov/medicaid/tollfree.pdf

State Childrens Health Insurance Program (SCHIP)
http://cms.hhs.gov/schip/statepln.asp

State Health Insurance Assistance Program (SHIP)
http://hiicap.state.ny.us/home/link08.htm#telephone

Advocacy

The following resources provide starting points when you have a complaint or would like to file an appeal. Unless indicated otherwise, all are nonprofit, nongovernmental organizations.

Medicare

Center for Medicare Advocacy
www.medicareadvocacy.org
(860) 456-7790
The center provides Medicare education, advocacy and legal assistance. The center publishes "Medicare Basics 2003: What Every Family Needs to Know" for $10 per copy, plus $1.50 shipping & handling.

Medicare MD
www.medicare.com
This private site (not to be confused with medicare.gov) provides up-to-date information and help with finding answers or services related to obtaining Medicare coverage

Medicare Rights Center
www.medicarerights.org
(212) 869-3850
This organization offers educational publications, training programs, comprehensive information about Medicare options and rights, and publishes the booklet "Your Appeal Rights: Getting the Most from Medicare."

General Advocacy Resources

The Arc
www.thearc.org
(301) 565-3842, or check local phone listings
This nonprofit focuses on the needs of people with mental retardation, but local Arc chapters are valuable sources of information about advocacy training and programs for people with all disabilities.

Chambers Benefits Consulting
www.helpwithbenefits.com
(888) 739-2595 toll free
Jacques Chambers, benefits consultant and counselor, operates a private business. (See "Doctors Can Help.")
Disability Advocates of America
www.disability-advocate.com
(866) 215-5406 toll free
Mick Mickler
This nationwide organization has a good success rate helping claimants denied by Social Security get their benefits. (See "Social Security Disability Insurance.")

Family Voices
www.familyvoices.org
(505) 872-4774
Family Voices assists families of children with special health care needs and has contacts in every state.

National Association of Disability Representatives (NADR)
www.nadr.org/members.html
(800) 747-6131
NADR members help claimants seeking Social Security benefits to solve overpayment or underpayment problems and to understand SSA processes and procedures.

National Association of Insurance Commissioners (NAIC)
www.naic.org/state_contacts/sid_websites.htm#
(816) 842-3600
This site features links and contact information for state Departments of Insurance.

National Association of Protection and Advocacy Systems
www.napas.org
(202) 408-9514
The Protection and Advocacy (P&A) System and Client Assistance Program (CAP) are congressionally mandated, legally based disability rights agencies in every state. P&A agencies provide legal representation and other advocacy services to people with disabilities. CAP agencies provide vocational rehabilitation services information and assistance.

National Health Law Program
(NHeLP)
www.healthlaw.org
(310) 204-6010
NHeLP is a national public interest law firm that seeks to improve health care for Americas working and unemployed poor, minorities, the elderly and people with disabilities. Many publications are listed.

National Information Center for Children and Youth with Disabilities (NICHCY)
www.nichcy.org/states.htm
(800) 695-0285
The handy "State Resources" page will help you locate organizations and agencies within your state.

Patient Advocate Foundation
www.patientadvocate.org
(800) 532-5274
This organization can serve as an active liaison between a consumer and his or her insurer, employer or creditors.

Funding Resources

Assistance Programs
First Hand Foundation
www.firsthandfoundation.org
(816) 201-1569
Established by Cerner Corp., First Hand helps families of children with health problems through grants for medical expenses, durable medical equipment, van lifts, and living expenses when traveling for medical care.

The Foundation Center
www.fdncenter.org
800) 424-9836
Go to http://fdncenter.org/learn/useraids/disabilities_indiv.html to see the "User Aid for Individuals with Disabilities" for grants, and to http://fdncenter.org/learn/training.html for "Training Opportunities for Grantseekers."

Joni and Friends Christian Fund for the Disabled
www.joniandfriends.org
(818) 707-5664
Funding is offered for assistive equipment and special education. Requests must be channeled through a Christian church or area Joni and Friends coordinator.

Rebuilding Together
www.rebuildingtogether.org
(800) 4-REHAB9
This free home repair and modification program, run by volunteers, assists people with disabilities and others. The program can build ramps, install grab bars, modify bathrooms, widen doorways or perform general repair. Apply through a local contact, or ask for a referral through a church or community organization. Assistive Technology

Assistive Technology
Disabled Dealer Magazine
www.disableddealer.com
(888) 521-8778
This "shopper" magazine advertises new and used assistive equipment, including vans. Six publications cover about one-third of the country.

Muscular Dystrophy Association

RESNA Technical Assistance Project
www.resna.org/taproject/about/about.html
(703) 524-6686
The Technical Assistance Project supports grantees under the federal Assistive Technology Act in providing assistive technology to people with disabilities. This site lists state contacts, which have information about loans and grants.

Go to www.resna.org/taproject/policy/funding/ for information and strategies for AT funding through Medicare, Medicaid, the IDEA and private insurance.

General Funding Information
Disability Resources
www.disabilityresources.org
(631) 585-0290
This small volunteer group monitors hundreds of sources and maintains an extensive database of hard-to-find information on resources for independent living, including funding.

Independent Living Centers (ILC)
www.ilru.org, or check local phone listings
ILCs often can provide local information about financial programs, advocates, housing, transportation, education, recreation, peer counseling and support groups.

Information and Referral Service (I&R)
Check the community pages of the phone book to see if your community offers an I&R program to connect people in need with appropriate organizations and agencies.

MDA Support Groups and Chats
www.mda.org
Call your local office or (800) 572-1717.
MDA support groups are rich sources of information about programs and strategies from others facing similar challenges. You can also connect with one of MDAs approximately 30 online chats.

Patient Advocate Foundation
www.patientadvocate.org
(800) 532-5274
The "Resources" section of this Web site offers the National Resource Guide for Patients, a state-by-state directory of local financial resources.

Publications

Online

These publications are readily available to download, read and print from the Internet. Telephone to request printed copies.

"Consumer Bill of Rights and Responsibilities from Quality First: Better Health Care for All Americans"
www.hcqualitycommission.gov/final/append_a.html
Presidents Advisory Commission on Consumer Protection and Quality in the Health Care Industry
(800) 358-9295

"A Consumer Guide to Handling Disputes with Your Employer or Private Health Plan," 2003 Update
www.kff.org/consumerguide
Henry J. Kaiser Family Foundation
(650) 854-9400

"Family Voices Leadership Handbook"
www.familyvoices.org/handbook
Family Voices
(505) 872-4774
This health care policy and advocacy guide for families and friends of children and youth with special health care needs was created by families for families.

"Funding Guide for Standing Technology"
www.easystand.com/funding.aspx
Altimate Medicals booklet about securing payment for standers and other assistive equipment.
(877) 844-1172

"Health Services Questions and Answers"
www.healthlaw.org/pubs/200112acluguide.html
National Health Law Program
(310) 204-6010
This publication presents major insurance programs and important laws designed to help people receive care.

Print Publications
Financial Aid for the Disabled and Their Families, 2002-2004, by Gail A. Schlachter and R. David Weber, 495 pages, 2002, $40. Reference Service Press, (916) 939-9620, www.rspfunding.com.
This book contains information about scholarships, fellowships, loans, grants and internships for individuals with disabilities. Both Library Journal and the New York Public Library chose this directory as one of the "best reference books of the year." Look for it at your local library.

Health Insurance Resources: Options for People With a Chronic Disease or Disability, by Dorothy E. Northrop and Stephen Cooper, 208 pages, 2003, $24.95. Demos Medical Publishing, (800) 532-8663,
www.demosmedpub.com.
This book contains information about a variety of options helpful to those who are uninsured, underinsured or who have questions about insurance and dont know where to begin.

How to Solve All Your Money Problems Forever
, by Victor Boc, 1978. Perigee Books, (800) 788-6262. Ask at local bookstores.

Resources for People with Disabilities: A National Directory, 2nd ed., 896 pages, 2001, $89.95. Ferguson Publishing, (800) 306-9941,
www.fergpubco.com.
This two-volume set is filled with information to help readers realize educational and career goals, including funding sources for durable medical equipment. Look for it at your local library.

Quest
www.mda.org/publications/Quest/q_back_09.html
Past Quest stories on financial topics contain many helpful resources, though some may no longer be current. Quest is also available through local MDA offices.

Insurance
"Democracy Takes on Managed Care," December 1997
"Health Insurance: Dealing With Caps on Your Coverage," August 2000
"Keeping Your Child Covered by Health Insurance," April 2000
"Managing Managed Care," June 1997
"Maneuvering Through Medicare," June 2001
"Tenacity and Cranberry Juice vs. the Insurance Company," April 1999
"Work Incentives Improve," February 2000, about the Work Incentives Improvement Act

Money-Saving Tips
"Financing Your Van Conversion," February 1999
"Time for a New Wheelchair?" August 2001, about funding
"Used, But Not Used Up," June 1999, about purchasing secondhand equipment

Taxes and Financial Planning
"Finding Tax Breaks," February 1997
"In Trusts We Trust," April 1998, about planning for a childs financial future
"You Can Take It With You: Get the Most out of Your Employee Benefits," December 1998


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