What If I Do not Have Insurance?

Do not panic, you still have options.

In New York, many clinics provide care regardless of your insurance status, income level, or immigration background. 

You can still get reproductive and mental health services, often for free or at a low cost.

What you can do

1. Ask the clinic about your options.
Most clinics will not turn you away just because you do not have insurance. Many offer:

  • Sliding scale fees (based on your income)

  • Free services for minors

  • Walk-in hours for confidential care

2. See if they accept the Family Planning Benefit Program.
FPBP provides free reproductive care even if you do not have insurance. Ask the clinic if they can help you apply.

3. Look for community health centers or school-based clinics.
These centers are built to serve everyone—including youth, immigrants, and people without insurance. They often have bilingual staff and teen-friendly spaces.

Helpful Phrases You Can Use

Not sure how to ask about costs or services? Try these:

  • “Do you offer services for people without insurance?”

  • “Can I still be seen if I cannot pay right now?”

  • “Is this visit free for teens?”

  • “Do you offer sliding scale or low-cost options?”

  • “Can I apply for help like the Family Planning Program here?”

It is always okay to ask questions.

The staff is there to help, not to judge.

You Deserve Care

Even if you are undocumented, unsure about your eligibility, or do not have any paperwork, you still have a right to get help.

Many clinics in New York are prepared to work with you, and to make sure cost is not a barrier.