Financial Assistance

Lyme disease can be extraordinarily expensive. Between diagnostic testing, specialist appointments, long-term medications, and time away from work, costs can accumulate quickly — even for people with health insurance. You are not alone in this struggle, and there are resources available.

Insurance Navigation

Health insurance coverage for Lyme disease can be inconsistent and frustrating. Here are strategies to maximize your coverage:

• Get everything in writing. When a claim is denied, always request a written explanation of benefits (EOB) with specific denial codes.
• Appeal all denials. Insurance claim denials are appealed successfully millions of times each year. Request your plan's formal appeals process and submit a written appeal with supporting medical documentation.
• Ask your doctor to write a letter of medical necessity. This documentation is essential for coverage disputes.
• Understand your state's tick-borne disease protections. Some states have laws requiring insurers to cover longer antibiotic treatment for Lyme disease under specific circumstances.

Nonprofit Assistance Programs

Several organizations offer financial support for Lyme disease patients:

• NeedyMeds: A nonprofit that maintains a comprehensive database of patient assistance programs for medications. Search by drug name at needymeds.org.
• Patient Advocate Foundation: Offers case management services and a co-pay relief program for eligible patients.
• Partnership for Prescription Assistance (PPARX): Connects patients with pharmaceutical patient assistance programs.
• State and local tick-borne disease programs: Some state health departments have patient assistance resources — check with your state's department of health.

Managing Treatment Costs

• Ask your prescriber for generic medications whenever possible
• Use pharmacy discount programs like GoodRx for medications not covered by insurance
• Ask about telehealth options — virtual follow-up appointments are often less expensive
• Keep detailed records of all Lyme-related medical expenses for tax purposes (medical expenses exceeding a threshold of your AGI may be deductible)

Work and Disability Resources

If Lyme disease is affecting your ability to work, see our School & Work Support page for guidance on workplace accommodations and short-term disability options.