Healthcare access and financial assistance are particularly affecting vulnerable communities. Recent research conducted by the PAN Foundation has revealed a significant gap in the understanding of healthcare plans and financial assistance among those living with HIV/AIDS and the LGBTQ+ community.
According to the research, only two in five patients know whether their insurance plan uses common practices that could limit access to treatment or hike up costs. When it comes to financial assistance programs—like hospital charity care, pharmaceutical help, and federal aid—only 21 percent of U.S. adults and 24 percent of those with chronic conditions say they’re very familiar with these lifelines.
And nearly 40 percent of adults have never even heard of independent charitable assistance or pharmaceutical patient programs. It gets worse. Of those who needed financial help last year, 41 percent of chronically ill patients didn’t receive any. Many LGBTQ folks living with chronic illnesses are likely among those affected. Over 60 percent of patients with a chronic condition said they faced barriers using their healthcare plans.
Confusion is widespread, with 42 percent of delayed care and 35 percent skipped medication, not knowing if it was covered or affordable. The internet and healthcare providers are the top places people turn to for help, but most say it’s not enough. One thing is clear: patients want better education and clearer guidance. A staggering 87 percent of those with chronic conditions say they need more resources to navigate financial help and their healthcare plans.
The message is loud and clear—access doesn’t just mean availability; it means understanding. We must prioritize patient education and support to ensure that everyone, regardless of their background or health status, can navigate their healthcare plans effectively and access the financial assistance they need. Together, we can build a healthcare system that is inclusive, equitable, and responsive to the needs of all communities.
