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Financial assistance programs in Maryland.

Find how to get financial help in all cities and counties in Maryland listed below, including Baltimore and Columbia. Low income or struggling families can get financial assistance for paying expenses including utility bills or rent. There are also social services as well as government assistance programs that provide free medical or dental care, medications, food, low income housing, Meals on Wheels or other benefits for struggling families.

Maryland Pharmacy Assistance Program
This program will help qualified Maryland residents, regardless of age, who are not eligible for the state’s Medical Assistance Program or Medicaid. Eligibility to this prescription drug program is open to anyone in the state (it is not not limited to the elderly and disabled). People of all ages and backgrounds can apply. Call 1-800-226-2142. Or find additional ways to receive free prescription drugs.

Maryland Children's Health Program (MCHP)
Provides healthcare benefits using a managed care organization. It is free or low cost insurance for children, teens and those under the age of 19. This benefit is part of the Maryland HealthChoice Program to pregnant women or children up to the age of 19. Call 1-855-642-8572 to receive information.

Maryland Medicaid
The program is a state-administered health insurance program for Maryland residents who are low income, disabled and do not have other health insurance plans or other financial aid. There may be medications, doctor visits, and other health care for the low income in MD. Call 1-877-463-3464.

Medical Debt Assistance and Help From Collectors
Laws and regulations are in place that prevent illegal collection efforts and that will ensure patients are treated fairly. Find out more information on medical debt collection laws.

Child Care Subsidy or Purchase of Child Care (POC)
This government assistance program will help eligible families pay for needed daycare expenses. Vouchers and grants, which are issued to eligible families by local departments of social services, can be used to purchase services from any regulated child care center or home. Call 410-767-0100. Participants of this free or low cost daycare program can even use the services of an informal child care provider that is approved by the local department. Read more on free child care programs in Maryland.

 

 

 

Emergency Food Assistance Program (TEFAP) and SNAP Foor Stamps
This federal government funded program helps feed the low income, elderly, and unemployed among others. There is SNAP food stamps and EBT cards to help pay for groceries. Or there are surplus commodities as well as emergency food pantries. SNAP in Maryland Helps low income, and families that are struggling, buy the food they need for good health. Call Maryland DHS at (800) 332-6347.

Debt Consolidation and Credit Services
Individuals who need help paying debts, improving credit, or who need free advice on paying bills can contact a credit counselor. Non-profit organizations offer various financial solutions to residents. More on Maryland free credit counseling.

Maryland Transportation Loans
Residents with poor or no credit score can get financing, whether they need help with the car loan or want to purchase an automobile. Non-profits and lenders assistance. More on bad credit car loans.

Cash Assistance and Social Services
Maryland can provide struggling and low income families with a number of government assistance programs. Qualified individuals can get help for paying energy bills, medical expenses, prescriptions, and more from cash aid, also known as TCA. Some agencies can also help people find a job. More public assistance in Maryland.

Mortgage Help and Foreclosure Assistance in Maryland
The state of Maryland has some programs that will help families with paying their mortgage. They also try to stop foreclosures. Learn more on help with mortgages in Maryland.

Also find a listing of non-profit organizations in Maryland that are HUD approved. Many offer free counseling, referrals to financial help and support to borrowers. Continue with free Maryland HUD counseling.

Government Grants and Employment Services
If you need a new job, free career counseling, or information on how to apply for emergency grants for paying bills, then look into resources offered by non-profits. Read more about Maryland community action agencies.

 

 

 

 

Maryland Job and Employment Programs
Government sponsored centers help the underemployed, disadvantaged, and unemployed find a job or gain new skills. Counselors can coordinate training and offer job search assistance. Learn more on free job training in Maryland.

Free Legal Advice
Maryland Legal Aid helps thousands of low income families as well as seniors each year. The attorneys provide free legal assistance, advice and pro-bono services to low income families and individuals. Continue with free lawyers and legal aid in Maryland.

Maryland Senior Assistance
Older adults and the elderly are supported by Agencies on Aging offices. The centers focus on people over 55. The centers can help them obtain medications, government health insurance/medicare, food, and home care programs. Senior citizens and others can benefit from these Maryland centers. Click for details on Maryland assistance programs for the elderly.

Heating Bills and Energy Costs
Many utility companies in Maryland offer help for paying energy bills. They administer their own grant and weatherization programs. Find a listing of Maryland utility assistance programs. These are in addition to financial resources available at the county level below.

Disabled Assistance
The state of Maryland offers support and government assistance benefits to individuals with a disability as well as their caretakers and family members. Medical care, prescriptions, financial help, housing, and home delivered meals are just some of the services offered. More on disability benefits in Maryland.

Financial Assistance in a Crisis
The Salvation Army has a center in every county across Maryland. The non-profit provides case management, referrals, and as funding allows, may be able to offer financial assistance for rent, utilities, medications, and other bills. More on Salvation Army of Maryland financial assistance.

Maryland Senior Prescription Drug Assistance Program
Both moderate and low income residents can receive financial assistance from this program. It will help people were are eligible for Medicare and who are also enrolled in a prescription drug plan. Continue with Maryland senior prescription drug help.

Free Food from Pantries, Soup Kitchens and Food Banks
The low income, working poor, unemployed, and people facing a hardship can get free food, groceries or hot meals from a pantry, charity, or regional food distribution center. Read more on Maryland free food banks.

Home Delivered Food and Free Meals
The elderly, disabled, and homebound in Maryland can get help, both meals, nutritional support, and “health-check ins” from Meals on Wheels. Volunteers operate this. Find meals on Wheels programs near you.

Eviction Assistance and Rehousing
Low income families facing homelessness, whether a pay or quit notice or foreclosure, can receive emergency grants for paying back rent or counseling. Other financial help from Maryland may be assistance with paying a utility or security deposit, low income housing, and referrals to shelters. More on Maryland eviction and security deposit help.

 

 

 

 

 

 

Vouchers for Housing Expenses
Very low income and evicted Maryland residents can turn to the section 8 HUD program. A subsidy from the federal government can be used to pay a portion of rent or affordable apartment, including for seniors and families with a disabled member. Read more on Maryland section 8.

Maryland Health Care Centers and Community Clinics
Find locations of centers that may be able to offer qualified individuals with free or low cost, and high quality, medical and/or dental care. The clinics help tens of thousands of people every year. Click here for free community clinics in Maryland.

Dental care is also offered by various non-profits and government supported clinics. Numerous dentists and medical professionals participate in providing coverage. Read more on Maryland free dental clinics.

Maryland families that are uninsured or have limited insurance policies have several assistance programs available for them and their medical needs. They range from prescription medications to cancer screenings, government grants and general check ups. Get more information on help for the uninsured in Maryland.

Low Income and Emergency Housing Assistance
Several government funded programs can help Maryland families pay their rent in an emergency. Counselors can also help them find and pay for low-income housing. Some resources are offered by non-profits, and others by government agencies. Read more Maryland rental assistance.

Maryland Energy Assistance Program (MEAP)
Provides assistance to Maryland residents with paying home heating bills and emergency electric costs during the summer. Payments are made to your utility or gas company on your behalf. Under this government assistance program also called LIHEAP there is also limited grant money available to replace inefficient or broken refrigerators and furnaces. More on MEAP applications in Maryland.

  • Weatherization Assistance Program (WAP)- Provides home weatherization services such as caulking, weather stripping, plastic window covering, etc. to help make your apartment or house more fuel efficient and comfortable at no cost to eligible families. The goal of the free government assistance program is to reduce energy bills and is often combined with MEAP above.

Assistance From Maryland Cities and Counties

Allegany County (Cumberland)

Anne Arundel County (Annapolis)

Baltimore City

Baltimore County (Towson)

Calvert County (Prince Frederick)

Carroll County (Westminster)

Cecil County (Elkton)

Charles County (La Plata)

Dorchester County (Cambridge)

Frederick County

 

 

 

 

Hartford County (Bel Air)

Howard County (Ellicot City)

Kent County (Chestertown)

Montgomery County (Rockville)

Prince George’s County (Upper Marlboro)

Queen Anne's County (Centreville)

Somerset County (Princess Anne)

St. Mary’s (Leonardtown)

Talbot County (Easton)

Washington County (Hagerstown)

Wicomico County (Salisbury)

Worcester County (Snow Hill)

By Jon McNamara

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