Medical expenses

Health issues and medical costs can have a significant impact on your wellbeing and your finances. If you’re finding it difficult to afford healthcare or medications, support is available.

Help with medication and immediate costs

If you have a Health Care Card, Pensioner Concession Card, or are on a low income, you may be eligible for reduced-cost medications and other health-related support.

These cards are issued by Services Australia (Centrelink) and can significantly reduce the cost of prescription medicines and access to some health services.

If you’re having difficulty paying for medication or essential health needs, your local community information and support service may be able to help.

Support may include:

• Assistance with the cost of prescription medications
• Help accessing concessions and subsidies
• Referrals to low-cost or bulk-billed services
• Emergency relief in some circumstances

Use the Find services near you tool on this page to connect with local support.

Concessions and low-cost health services

Low-income Victorians may be eligible for a range of concessions and subsidised services to help reduce medical costs. Many of these are linked to holding a Health Care Card or Pensioner Concession Card.

These may include:

• Dental services
• Essential medical equipment
• Eye care and glasses
• Hearing services
• Patient transport assistance

Find out more about eligibility and available supports:

Victorian Government – Concessions and benefits
Online: https://services.dffh.vic.gov.au/concessions-and-benefits

Support to access the care you need

Navigating the health system can be complex, especially when you’re also managing financial pressure.

Local Community Information & Support services can help you:

• Understand what support you’re eligible for
• Access appropriate health and community services
• Get referrals to low-cost or specialised providers
• Connect with additional financial or practical support

No Interest Loans (NILS)

No Interest Loans (NILS) provide access to safe, affordable credit for people on low incomes.

You may be able to access a loan of up to $2,000 for essential goods and services, including some medical and health-related expenses.

 No Interest Loans (NILS)
Online: https://nils.com.au

Some CISVic member agencies offer NILS or can refer you to a provider in your local area.

Take the next step

A Community Information and Support service may be available in your area. These services can help you understand your options and connect with support services for your situation.

 Use the Find services near you tool on this page to see what support is available where you live.