PAN Foundation Grants 2026: TotalAssist Open Funds

If your fund is closed, don't wait on a list that no longer exists. TotalAssist uses alerts, and Medicare's $2,100 Part D cap for 2026 may already limit what you owe.

PAN Foundation Grants After the 2026 Merger: Where to Apply Now

The merger changed the name on the door, not the basic idea. Per the merger site Patient Advocate Foundation runs, the two organizations together awarded nearly $640 million in financial assistance to nearly 200,000 people in the most recent year its story page reports, and the combined group now operates as Patient Advocate Foundation. Its timeline has three dates that matter for patients:

• March 2026: the merger was announced and both legacy programs kept running.
• July 1, 2026: TotalAssist launched. All new enrollments and renewals from PAN and from Patient Advocate Foundation's old Co-Pay Relief program now happen inside TotalAssist.
• Through 2027: legacy grants keep working for their full 12-month eligibility period.

If you already had a PAN grant approved before July 1, 2026, Patient Advocate Foundation's patient page says it stays active for the whole grant period as long as you keep meeting the grant use rules. PAN premium and transportation grants didn't change. PAN copay grants got broader on July 1: they can now pay medication copays, coinsurance and deductibles, health insurance premiums, and office visit and administration charges on the day of treatment. Your existing pharmacy card keeps working. You manage the grant through the TotalAssist portal or by calling 866-512-3861, and legacy claims can also go by fax to (757) 952-0119 or by mail to TotalAssist, 421 Butler Farm Rd., Hampton, VA 23666.

One change catches people off guard: PAN's old disease fund wait list is gone. Patient Advocate Foundation says it no longer operates one and points everyone to the TotalAssist fund notification system instead.

Which Former PAN Funds Are Open on November 10, 2026

Of the 151 TotalAssist funds listed on November 10, 2026, 55 (36%) were open. The share depends heavily on your insurance. Grantsights analysis of the fund list: funds open to any health insurance were 39 of 67 open, while funds that require government-insured coverage were 16 of 83 open. The one fund with no insurance rule, transportation (up to $500), was closed. Here's a sample, with each fund page's guaranteed and maximum awards.

Many common Medicare-heavy conditions were closed that day, including type 2 diabetes, COPD, heart failure, rheumatoid arthritis, osteoporosis, macular degeneration, prostate cancer and non-small cell lung cancer. Open funds also included ovarian cancer, mantle cell lymphoma, metabolic dysfunction-associated steatohepatitis (MASH), Waldenstrom macroglobulinemia, hemophilia, HIV and prevention, and opioid use disorder. Status changes without notice, so confirm on the TotalAssist fund list (opens in a new tab) before you apply.

Some funds carry "health equity" in the name. Those use your home ZIP code as an extra eligibility test, and TotalAssist says you can't hold two grants for the same condition.

Medicare Part D Patients: Why Charity Help Is Legal and Coupons Aren't

Funds that require government insurance are the largest group on the list, 83 of 151, yet only 19% of them (16 of 83) were open on November 10, 2026. The legal backdrop explains why Part D patients depend on charities at all.

Drugmaker copay coupons usually exclude Medicare. The HHS Office of Inspector General's 2014 bulletin on manufacturer copayment coupons (opens in a new tab) says that when a coupon is used for a drug paid for by a federal health care program, including Medicare Part D, the federal anti-kickback statute is implicated. So a manufacturer card that works for someone with job-based insurance is generally off-limits once you're on Medicare.

Independent charities sit on firmer ground. The OIG's 2005 bulletin on patient assistance programs for Part D enrollees (opens in a new tab) said manufacturers can give to bona fide independent charities if safeguards exist. Its 2014 supplemental bulletin (opens in a new tab), published in the Federal Register on May 30, 2014, spelled those safeguards out: no donor control, disease funds defined by recognized clinical standards and covering a broad range of products, and a uniform, verifiable test of financial need that doesn't hinge on the price of one drug.

Per the PAN Foundation's 2025 Form 990, PAN operated under OIG Advisory Opinion 07-18. Patient Advocate Foundation's compliance page says that in correspondence dated June 26, 2026, the OIG acknowledged that TotalAssist has the same prospective protection PAN had under that opinion, subject to its conditions. That's why TotalAssist funds look the way they do: each covers a disease and every drug on an approved list, including generics, rather than one brand.

Two practical effects for Part D enrollees:

1. Charity payments count toward your cap. OIG's 2005 bulletin notes that, under the Part D regulations, cost-sharing help from a patient assistance program counts toward true out-of-pocket costs. A TotalAssist grant moves you toward the yearly cap just as your own money would.
2. The cap shrinks what you need. Medicare.gov's drug cost page (opens in a new tab) puts the 2026 out-of-pocket cap at $2,100 for covered Part D drugs, rising to $2,400 in 2027, after which you pay nothing more for covered Part D drugs that year. A $10,000 maximum award matters most for Part B drugs, premiums and costs outside Part D.

Income Limit: 500% of the Poverty Level, Adjusted for Where You Live

TotalAssist's eligibility article lists one income rule for 150 of its funds: household income at or below 500% of the federal poverty level, adjusted by the Cost of Living Index (COLI) for the patient's home. The obesity fund is the exception at 300%. TotalAssist's FAQ says a ZIP code with a COLI of 105 has costs about 5% above the national average, which can raise the limit there.

Per the 2026 HHS poverty guidelines (opens in a new tab), here's 500% by household size in the 48 contiguous states and D.C., as Grantsights calculated it (Alaska and Hawaii are higher):

TotalAssist runs the real calculation in its pre-screen, so treat this as a guide. A common mistake is assuming a middle-class income rules you out: a couple with $90,000 in income sits under the 500% line before any cost-of-living adjustment.

Not everyone has to prove income up front. TotalAssist's application checklist says patients aren't asked to upload documents when applying; it contacts the provider to verify the diagnosis and asks some patients for income proof. Its August 31, 2026 update says that for the select patients asked to verify income, the grant can't be used until the documents are approved.

How to Apply for TotalAssist (the Former PAN Program)

TotalAssist says approved applicants can use their grant the same day, and the fund pages promise an instant approval decision when a fund is open. Here's the sequence:

1. Find your fund on the TotalAssist fund list by disease, medication or ICD-10 code. Note whether it requires government-insured coverage or any insurance.
2. Check the treatment window. You must be diagnosed and in treatment, starting within 60 days, or treated in the past 6 months; active surveillance counts.
3. Run the quick eligibility checker on the fund page. It takes 3 to 5 minutes and needs no documents, but it isn't an application.
4. Collect the information TotalAssist asks for: name, Social Security or Alien number, date of birth and contact details; household size and annual income; your insurer, plan type, policy and group numbers, and whether you have Part D, a Medicare supplement or secondary coverage; your treating provider's name and contact details; and your diagnosis and its date.
5. Apply online through the TotalAssist portal at any hour, or by phone at 866-512-3861 on weekdays. Caregivers, pharmacies, providers and nonprofit case managers can apply for you.
6. Use and track the grant. Approved patients get a pharmacy card and submit other expenses as claims in the portal.
7. Keep it active. TotalAssist closes a grant if no claim is submitted for 120 days, after a reminder at 60 days, and closes it if diagnosis or income can't be verified within 30 days of approval (the August 31 update temporarily extends the window for diagnosis and income documents).

What the grant can't pay is just as important. TotalAssist's "How it helps" page excludes drugs not on the fund's approved list, products insurance doesn't cover or already pays in full, dental, vision, life and critical illness premiums, prescriptions filled with a discount card, and services such as lab work, scans, radiation therapy and surgery.

What to Do When Your Fund Is Closed

On November 10, 2026, 96 of 151 TotalAssist funds were closed, so plan for this. These steps cost nothing:

1. Turn on alerts. At TotalAssist.org/notify (opens in a new tab), pick every fund that could apply and choose text, email or automated call. TotalAssist says there's no wait list and grants go first come, first served, so apply as soon as an alert arrives.
2. Add FundFinder. TotalAssist's help center describes FundFinder (opens in a new tab) as a separate Patient Advocate Foundation service that tracks openings at eight assistance organizations.
3. Check the same disease at HealthWell. The two charities' funds don't open and close together. The HealthWell Foundation grants guide covers its rules; here's how matching funds compared on November 10, 2026:

4. Apply for Extra Help if your income is modest. Medicare.gov's Extra Help page (opens in a new tab) lists 2026 limits of $23,940 income and $18,090 resources for one person, or $32,460 and $36,100 for a married couple, and you can apply for a Medicare Savings Program at the same time. The help for seniors guide explains both.
5. Spread the cost. The Medicare Prescription Payment Plan (opens in a new tab) lets anyone with Part D coverage pay covered drug costs in monthly bills across the calendar year instead of at the pharmacy. Medicare says it's free to join but doesn't lower your costs.
6. Check Medicaid. If your income dropped, the Medicaid income limits guide shows your state's cutoffs; Medicaid enrollees also get Extra Help automatically.
7. Ask for case management. Patient Advocate Foundation offers free one-on-one case management for patients with serious illnesses, separate from grants.

If you're under 65 and on Medicare because of a disability, the disability grants for individuals guide covers income programs that sit alongside drug help.

Grantsights Analysis of the PAN Foundation's 2025 Form 990

The PAN Foundation reported $94,595,084 in grants to domestic individuals on its 2025 Form 990, paid to 106,340 recipients under "medication co-pay assistance" on Schedule I. That's about $890 per patient. The same return shows prior-year grants of $133,801,312, so PAN's grant spending fell 29% from 2024 to 2025, the year before the merger. The return doesn't say why.

Grantsights analysis of the rest of the return, which reports $119.1 million in total spending:

• Grants were 79% of spending. The $119.1 million split into $103.1 million for programs, $14.1 million for management and $1.9 million for fundraising.
• Money came in faster than it went out. Revenue was $230.8 million, almost all of it contributions, and net assets ended 2025 at $528.9 million.
• HealthWell paid more than five times as much. For comparison, HealthWell reported $538.2 million in grants to individuals on its own 2025 return.

Our reading: a large balance sheet doesn't mean your fund will reopen. The OIG's 2005 bulletin notes that some independent charities let donors earmark gifts for broad disease categories, which is one reason one fund can be open while the next is shut. The useful number for you is the guaranteed award on your fund page. Across all 151 TotalAssist funds, Grantsights found the guaranteed amount averages about half the maximum.

What Most Grant Lists Don't Tell You About PAN

Most "copay grant" lists online were written before July 2026 and still send readers to PAN's old pages. Here's what they miss:

• PAN's old site wasn't reachable. Every request Grantsights made to panfoundation.org on November 10, 2026 returned an access-denied error. Use totalassist.org (opens in a new tab) or the merger site's patient page (opens in a new tab) instead.
• Demand is high and service is slower. Patient Advocate Foundation's August 31, 2026 update says TotalAssist enrolled over 132,000 patients from January 1, nearly 25% more than the same period in 2025, and apologized for longer wait and document review times.
• The guaranteed amount is the real promise. Specifically, a Parkinson's grant shows $2,200 guaranteed and $4,400 maximum; anything above $2,200 depends on funding being available when you need it.
• Inactivity costs you the grant. The 120-day claim rule is easy to break if insurance covers you in full for a few months, or if you only use the grant for an infusion given a few times a year.
• A paid-out grant means waiting. If you use the full maximum early, TotalAssist says you must wait 12 months from your first approval date to reapply.

Our view: TotalAssist's flexible coverage is better than the old copay-only PAN grants, especially for people paying premiums and infusion-day charges. The weak spot is Medicare. Plenty of funds that serve older patients were closed on November 10, so Medicare enrollees should treat the Part D cap and Extra Help as the foundation and a charity grant as a bonus.

Scams Using the PAN Name

The FTC says government agencies don't demand payment for grants, and its grant scams page (opens in a new tab) tells people never to pay up-front fees or share bank or Social Security numbers with unexpected callers. Charity copay help works the same way. Red flags to watch for:

• A caller says PAN's "waiting list" moved and you must pay to keep your place. There is no TotalAssist wait list.
• Someone offers to "transfer" your PAN grant to TotalAssist for a fee. Patient Advocate Foundation's patient page says legacy PAN grants stay active and are managed through TotalAssist, with no transfer step.
• A text links to a site that isn't totalassist.org or patientadvocate.org and asks for your Social Security number.
• Anyone guarantees approval for a closed fund.

Report fraud at ReportFraud.ftc.gov (opens in a new tab). For costs beyond prescriptions, the Grantsights eligibility checker sends people who choose Individual and then Personal financial help to official routes: the USA.gov benefit finder (opens in a new tab) and help with rent, utilities and food, with the 211 line and the FTC's scam advice included. It doesn't search disease charities, so use TotalAssist and FundFinder for copays. If an old hospital bill is the bigger worry, the guide to help with medical bills explains hospital financial assistance.

FAQ: PAN Foundation Grants

Does the PAN Foundation still give grants? New applications go through Patient Advocate Foundation's TotalAssist program since July 1, 2026. PAN grants approved before then stay active for their full 12 months.

How do I apply for PAN Foundation copay assistance now? Apply through TotalAssist online or at 866-512-3861 on weekdays, 8:30 a.m. to 5:30 p.m. Eastern. Pharmacies and providers can apply for you.

What is the PAN Foundation income limit? TotalAssist uses 500% of the poverty level, adjusted for cost of living, for every fund but obesity (300%). That's $79,800 for one person in 2026 before adjustment.

Can Medicare Part D patients get PAN Foundation help? Yes, through open TotalAssist funds. Only 16 of 83 government-insurance funds were open on November 10, 2026.

What if my PAN Foundation fund is closed? Sign up for TotalAssist alerts and FundFinder, check HealthWell, and use the $2,100 Part D cap, Extra Help and the Medicare Prescription Payment Plan.

Is PAN Foundation FundFinder still available? Yes, at fundfinder.org, run by Patient Advocate Foundation. It tracks openings at eight organizations for free.

Sources

1. Patient Advocate Foundation, Uniting for Patients (merger home) (opens in a new tab)
2. Patient Advocate Foundation, Our story and integration timeline (opens in a new tab)
3. Patient Advocate Foundation, Information for patients (legacy PAN grants) (opens in a new tab)
4. Patient Advocate Foundation, Compliance program (opens in a new tab)
5. TotalAssist, Find your fund (all 151 fund pages checked November 10, 2026) (opens in a new tab)
6. TotalAssist, How TotalAssist helps you (opens in a new tab)
7. TotalAssist, Eligibility requirements (opens in a new tab)
8. TotalAssist, Disease fund FAQs (opens in a new tab)
9. TotalAssist, Guaranteed and maximum award amounts (opens in a new tab)
10. TotalAssist, If your grant was closed (opens in a new tab)
11. TotalAssist, Information required for applications (opens in a new tab)
12. TotalAssist, Fund open notifications (opens in a new tab)
13. Patient Advocate Foundation, TotalAssist update, August 31, 2026 (opens in a new tab)
14. ProPublica Nonprofit Explorer, Patient Access Network Foundation (EIN 20-1184743) (opens in a new tab), 2025 Form 990 (IRS e-file object 202602409349301015)
15. HHS Office of Inspector General, Part D patient assistance program bulletin, 70 Fed. Reg. 70623 (November 22, 2005) (opens in a new tab)
16. HHS Office of Inspector General, independent charity supplemental bulletin, 79 Fed. Reg. 31120 (May 30, 2014) (opens in a new tab)
17. HHS OIG, Special Advisory Bulletin: Pharmaceutical Manufacturer Copayment Coupons (September 2014) (opens in a new tab)
18. HHS ASPE, 2026 Poverty Guidelines (opens in a new tab)
19. Medicare.gov, Costs for Medicare drug coverage (opens in a new tab)
20. Medicare.gov, Help with drug costs (Extra Help) (opens in a new tab)
21. Medicare.gov, What's the Medicare Prescription Payment Plan? (opens in a new tab)
22. FTC, Government Grant Scams (opens in a new tab)