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Maryland financial assistance programs.

Find how to get financial help in all cities and counties in Maryland listed below, including Baltimore and Columbia. Low income 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 not limited to the elderly and disabled and 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 and the Maryland HealthChoice Program to pregnant women or children up to the age of 19. Call (800) 456-8900 to receive information on this government health insurance plan.

Primary Adult Care Program (PAC)
This resource is a form of insurance. The Primary Adult Care Program will provide help with medical expenses to lower income adults through a managed health care organization. 1-800-226-2142

Maryland Health Insurance Plan (MHIP)
The MHIP program is a state-administered health insurance program for Maryland residents who do not qualify for other health insurance programs or other financial aid. This program will help those in need with paying their medical bills. 1-888-444-9016

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 bills. 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. 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 distributes free federal surplus foods to needy households and emergency food pantries. (phone 877.634.6361). SNAP in Maryland Helps low income, and families that are struggling, buy the food they need for good health. Vouchers and other financial aid is distributed on an EBT card. 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. 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.

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)

  • Food pantries and banks in Prince George. Click here.
  • Community clinics and free medical care. Read more.

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)

  • Agencies that focus on Berlin

Maryland Assistance With Paying Utility and Heating Bills

Project Energy Assistance
This is a comprehensive state plan that helps Maryland's families with their energy costs and electric bills. Project Energy Assistance extends those eligible for aid to have income requirements of up to 200% of the poverty level.

Maryland Dollar Energy Fund
Customers who have received a disconnect notice for their heating or utility service can receive a one time cash grant from this program. It is not a charity program, and applicants need to have shown that they were timely with their payments in the past. Learn more about Dollar Energy Fund.

Electric Universal Service Program (EUSP)
The EUSP includes current electric bill assistance, weatherization services, and retirement of certain old heating and utility bills.

Universal Service Protection Program (USPP)
Available to LIHEAP program members, the USPP plan reduces and evens out monthly utility payments by subtracting the amount of the federal governments LIHEAP payments from a customer’s yearly bill and dividing the remainder by twelve months. Those who stay on bill payment plans are eligible for credits from some utilities.

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. Contact a community action agency to apply.

Transitional Emergency, Medical, and Housing Assistance (TEMHA) 11
Lower income households that have adult disabled persons are paid monthly with TEMHA 11 funds, of which $40 is designated to energy assistance and energy bills.





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

By Jon McNamara

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