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Renting a new home usually requires a deposit of first and last month’s rent, plus a one-month security deposit. In some areas, it is impossible to find a rental without paying a broker’s fee of one month — bringing move-in costs to $10,000 or more.¹

These upfront costs, plus application fees and moving expenses, can present a significant financial challenge — especially for low-income, first-time renters. However, we found dozens of government and community programs for those who qualify — and scams to avoid.

Sometimes you have to do what you have to do. 

Single mom Darlene Mersereau told me: “I live in Massachusetts and our rental market is insane. Average rent for a two bedroom is $2,400 outside of the cities, and landlords typically require first, last and security. Additionally, it’s hard to find a rental without using a realtor — which is typically a full month’s rent. So for a 2 bedroom, it’s almost $10,000!

“The only way I’ve navigated this is by using my company bonus and pulling from savings or a 401K loan. When I get my security deposit returned, I try to pay down the 401K loan.”

If you don’t have any savings (or prefer not to blow it all on a deposit), keep reading:

First: Know security deposit laws in your state
Avoid housing scams
Rental and security deposit assistance

• Government programs
• United Way 211
• Local churches and charities
• NACA housing programs
• Salvation Army
• St. Vincent de Paul
• Catholic Charities
• ERA2
• No-deposit rentals

First: Know security deposit laws in your state

Housing scams, especially in this age of housing shortages, are common. Do the deposit rules for your dream home sound fishy? Do your homework.

For example, most states limit the security deposit to two months, but in some cities, like San Diego, laws limit a security deposit to one month’s rent, as do the states of Alabama and Nebraska.

This article outlines security deposit laws for each state.

It is also helpful to be familiar with the federal Fair Housing Act,² which allows landlords to charge higher deposits based on rental history (evictions, broken leases), pets and credit scores, but not for children and service animals.

Free legal aid help

Avoid housing scams

When people are desperate, a huckster is waiting to take advantage. When it comes to emergency housing situations, here are some common scams and predatory offers to keep an eye out for:

• The property manager asks you to wire money or pay in an unusual way like cash or a gift card 
• The deposit violates the Fair Housing Act or laws in your state
• High-interest loans cloaked as rental deposit assistance
• Advertisements for no-deposit rentals, but then a bait-and-switch is revealed when a deposit is later required

Rental and security deposit assistance

Check out these charities and programs that help low-income and first-time renters:

Government programs

Some states, cities and counties still operate security deposit programs. They are typically run by local housing departments that oversee a specific area. These programs are often in place for homeless or low-income people and may provide a subsidy to cover up to one month’s rent.

In some areas, like San Diego County, Calif., security deposit assistance of up to two month’s rent is offered for a limited time to landlords as an incentive to start new leases with renters who participate in housing voucher programs.³

How to get help:

To find security deposit programs in your area, start with your local department of housing. The location of your housing department and the programs it oversees will vary by state, city, county or other locality.

If you aren't sure where to start, the United Way’s 211 is a great resource that can help you find housing departments, as well as active security deposit programs. Dial 211 on your smartphone or landline or visit 211.org.

Here are some local housing resources that can help:

• Public housing agencies
• Local HUD offices
• State housing finance agencies
• Usa.gov housing resources
• National Low Income Housing Coalition (NLIHC)

You can also check the HUD rental help pages for each state:

United Way 211

The United Way helps people find community resources through its 211 service, which connects you to an expert who will help you find any available rental or security deposit assistance programs in your area.

When using the 211 website:

1. Click on “Find a local 211”.
2. Enter your address or zip code and click “Search”.
3. Click “Search for resources online”.

This will take you to your local 211 search page, where you can type “rental deposit assistance” or “rent payment assistance” in the search term field. This will bring up a list of agencies in your area that may provide help.

How to get help:

• Dial 211 from your phone or visit 211.org

Local churches and charities

Connect with local churches in your area to ask about help as a first-time, low-income renter. While not all churches have specific programs set up to help renters, some use donated funds to help people that need temporary support toward self-sufficiency.

For example, the Bel Air United Methodist Church in Maryland offers security deposit assistance to Harford County residents as part of its Pass It On Ministry.⁴ 

Sacred Heart Community Service offers emergency deposit assistance and first month’s rent for low-income Santa Clara County residents in California.⁵

How to get help:

Do a Google search to find local charities and nonprofits that help families in need or use sites like FindHelp.org.

If you are a member of a church, it’s a good idea to ask if your church offers help, but in many cases, membership is not necessary for one-time assistance. However, you may need to provide proof of need or enroll in church-led financial literacy courses.

How to get help:

• Reach out to local churches
• Search “churches near me” online

Churches and charities also often provide help for other housing-related expenses, like:

• Free furniture
• Free appliances
• Free internet
• Free Help with utility bills

NACA housing programs

The Neighborhood Assistance Corporation of America (NACA) is primarily known for its home ownership programs but also offers a rental housing program. The program offers housing counseling to low and moderate-income renters, which includes referrals to emergency housing, homeless prevention and social services.

How to get help:

• Call 425-602-6222
• Email services@naca.com

Salvation Army

The Salvation Army is a religious organization that has long provided housing assistance. Some branches have a rapid rehousing program that helps with the first month’s rent in emergency situations. Program availability is dependent on local resources and funding.

How to get help:

• Contact your local Salvation Army branch
• Read about Salvation Army rent assistance

St. Vincent de Paul

St. Vincent de Paul is a faith-based organization that serves individuals and families with diverse needs. Local branches may offer one-time rent assistance. 

How to get help:

• Contact your local St. Vincent de Paul

Catholic Charities

Catholic Charities provides affordable housing across the country and offers emergency and temporary housing aid. Some locations may offer assistance with your first month’s rent or a security deposit.

For example, if you have an eviction notice and need a new place to rent, the New York-based Fulton Montgomery Catholic Charities will pay the first month’s rent⁶ for applicants who have been denied help from the Department of Social Services.

Services vary by area, so contact your local Catholic Charities agency for specific details. 

How to get help:

• Call 703-549-1390
• Find your local Catholic Charities agency
• Email info@catholiccharitiesusa.org

ERAP2

Did you know the U.S Department of the Treasury has an emergency rental assistance program? Known as ERAP1 and ERAP2, the ERAP1 program ended in December 2022, but ERAP2 is still active in some areas.

The Low Income Relief YouTube channel shared some insights on this program that helps eligible households that have trouble paying rent, utilities and other housing costs:

Keep in mind, these funds are available for emergency situations to cover past-due rent and utilities and are not an option if you don’t meet eligibility guidelines. Additionally, some states have exhausted their ERA2 funds.

To be eligible for ERA2:

• You or a member of your household is qualified for unemployment benefits, or has experienced reduced income, or has significant costs, or is navigating a financial hardship that is due directly or indirectly to the COVID-19 pandemic
• At least one person in your household is able to prove that they are at risk of homelessness or in an unstable housing situation
• Your household is considered low-income if your income is below 80% of the HUD area median income guidelines⁷

How to get help:

• Visit the ERA program information page

No-deposit rentals

Some apartment communities and landlords may offer “no deposit” or “zero deposit” rentals. This could be from a rental promotion or it may be an option for well-qualified renters — those with excellent credit and a good tenant reputation verified by a former landlord. 

You may also be able to avoid a deposit if you take over a current lease.

“If a renter has to leave their unit before their lease is up for whatever reason, they may need to find someone to take their place until the end of the lease,” Seamus Nally says. Nally is CEO of TurboTenant landlord software.

Nally says such opportunities are often posted on sites like Facebook Marketplace, Craigslist, and classified ads in your local paper.

“If you can secure this kind of deal, that usually allows you to avoid having to pay a security deposit,” he says. “Just make sure that the landlord consents to you taking over the lease.”

In some cases, you may have to pay a security deposit once the lease is up, but you can verify that with the landlord and then save up to prepare for the upcoming expense.

That is the key when it comes to any type of rental agreement. Verify it with the landlord. Go to the actual property you wish to rent to meet the landlord or property manager in person. If you are moving from a different state and cannot visit the property, find a reputable real estate agent in the area who also handles rentals. This way, you can avoid scam artists.

While you're navigating the ins and outs of rental agreements and security deposits, it’s also wise to consider your long-term financial security. Many renters overlook the importance of insurance, but cheap renters insurance is an affordable way to protect your belongings in case of theft, fire, or other unexpected events. It’s a small cost that can provide significant peace of mind, especially when you’re managing other expenses like deposits and moving costs.

There are also resources to get help with moving expenses.

How to get help:

• Google no deposit rentals near me and verify the information with the rental office or landlord
• Look through classifieds or ask around to find options to take over an existing lease
• Use a realtor to find zero deposit rentals

These are some more resources for low-income single moms and their families:

SOURCES

1. “Average Rent in the U.S.” March 2024. RentCafe. https://www.rentcafe.com/average-rent-market-trends/us/
2. “Housing Discrimination Under the Fair Housing Act,” U.S. Department of Housing and Urban Development. https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview
3. “AB-12 Tenancy: security deposits” October 11, 2023. California Legislative Information. https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=202320240AB12
4. “Pass It On Ministry Financial Assistance Ministry” Accessed April 25, 2024. Bel Air United Methodist Church. https://belairumc.org/financial-assistance-pass-it-on-ministry/
5. “Deposit Assistance” Accessed April 25, 2024. Sacred Heart Community Service. https://www.sacredheartcs.org/deposit-assistance  
6. “Catholic Charities Emergency Assistance” Accessed April 25, 2024. Fulton Montgomery Catholic Charities. https://www.catholiccharitiesfmc.org/emergency-assistance
7. Area Median Income Lookup Tool. Fannie Mae. https://ami-lookup-tool.fanniemae.com/

Pets are considered beloved members of the family and like any member of the family, their health and wellness are important — but expensive.

According to the American Kennel Club,¹ some of the costs of owning a pet annually (in this case a dog) include:

• Food – $120-$900 per year
• Grooming – Up to $1,400 per year
• Health services – $700-$1,500 per year
• Toys and treats – $35-$250 per year

Let’s not forget about other things like boarding services, collars, crates, dog walkers, emergency vet fees, leashes, pet insurance, supplements and training — and carpet cleaning, sofa reupholstery, and other shenanigans-related costs.

As of 2024, the cost of owning a pet is on the rise. Rover.com, the world’s largest online marketplace for loving pet care, recently released its fifth iteration of the True Cost of Pet Parenthood Report for dogs and cats and found that annual costs for dog essentials ranges from $1,000 to $5,225 a year with a median monthly cost of $260.^2,3 

The costs of owning a pet are rising. But with Nutra Complete, a safe, affordable, and nutritious supplement, you can help support your pet’s daily wellness, immune function, and energy without breaking the bank. This freeze-dried dog food is packed with essential nutrients, helping to maintain overall health and vitality for your furry family member.

Many pet owners can go into debt because of their pets, which may lead them to decide against pet care altogether. 

According to Marketwatch,⁴ nearly 33% of pet owners without pet insurance said they’ve avoided taking their pet to the vet to prevent a high bill, compared to just 22% of pet insurance holders.

Pet owners may even be tempted to abandon their pets at a shelter or turn to euthanasia. All of these stressors beg the question: How do you find a free veterinarian clinic or a free vet visit for your pet? 

Whether you are searching for a low-cost vet, a free dog clinic, or a free cat clinic, here are some ideas on how you can find a free vet exam, including a free emergency vet visit, for your furry family members: 

Where to get a free vet exam

• Local animal shelters
• Nonprofit clinics or shelters
• Veterinary schools
• Vaccinations and routine check-ups
• Free spay and neuter clinics
• Free dental care for pets
• Free emergency vet
• Low-cost pet euthanasia

Where to get free pet medications

Will pet insurance keep costs down?

Where to get a free vet exam

If you are interested in where to get a free vet exam, there are some organizations and programs that offer free or low-cost veterinary services. Some examples include local animal shelters, nonprofit shelters, and veterinary schools, many of which use a lower-cost pricing model.

Local animal shelters

Depending on where you live, some local animal shelters may offer free or low-cost veterinary services. However, each facility varies in what services they offer. 

For example, the Tree House Humane Society in Chicago⁵ refers to itself as a Veterinary Wellness Center (VWC). While not a full vet clinic, they do offer limited services to dogs and cats, including exams, testing, neuter and spay surgeries, and vaccinations — the basics and essentials of vet care.

Lower pricing is available for those who need government assistance, while general public pricing is also available for all others. Again, this will vary by city, state, and shelter. Most animal shelters have locations and appointments that can be made online or over the phone.

Depending on the service, a deposit may be required upon booking an appointment. For example, the Tree House Humane Society requires a $10 deposit for vaccinations and $25 for neuter/spay surgeries. Emergency vet in Broomfield, CO is part of the UrgentVet national network that advertises it charges 40% less than tradtiional 24/7 urgent vet care.

Learn how to make money testing products at home

Nonprofit clinics or shelters

If you are searching for a low-cost veterinarian, check out nonprofit clinics or shelters in your area. Pet Help Finder⁶ is powered by Open Door Veterinary Collective, a national 501(c)(3) nonprofit, and helps pet owners find financially friendly pet resources, such as:

• Boarding services
• Pet food assistance including food pantry and supplies
• Pet supplies
• Spay and neuter clinics
• Vaccines
• Veterinary care and services

This can be especially helpful if you’re looking for essentials like dog food small breed options through local pet food assistance programs.

Simply go to the website and select from three categories: veterinary services, food pantry and supplies, or boarding and services. Then select your city, state, and zip code. From there, you will be able to select from a list of free veterinarian clinics near you to help you locate a low-cost vet.

If you need boarding services for your pet, there are less traditional options like Trusted Housesitters and Home Exchange, where people stay in your home to watch your pets while you travel.

Veterinary schools

Veterinary schools are usually less expensive than animal hospitals and clinics, since procedures are performed by students but supervised by a vet. 

Veterinary colleges and schools may even have a veterinary teaching hospital on campus, like the University of Illinois,⁷ which provides services for cats, dogs, exotic animals, horses, and large animals. 

Some institutions may offer free emergency vet services and emergency assistance programs. Check out the American Veterinary Medical Association's list of accredited veterinary colleges for a location near you.

Mobile vet clinics, pet stores, and vet clinics in less populated areas may be less expensive or offer a free vet exam or a low-cost vet visit.

Free spay and neuter clinics

If you are looking for a free vet exam or a free vet visit, you may also be wondering how you can find free spay or neuter clinics in your area. Organizations like the American Society for the Prevention of Cruelty to Animals (ASPCA) offer low-cost spay and neuter programs in various cities, including New York, Los Angeles, and Western North Carolina. You can visit their website to see if they offer a free vet near you or at least a low-cost veterinarian option.

Some places may even host free spay and neuter events. For example, the city of Chicago’s Animal Care and Control hosts a clinic twice a month from May to July that offers free spaying and neutering services, as well as various vaccinations and microchipping, for dogs and cats. 

Some of these events will only service the first 100 dogs/cats to show up, so plan accordingly. 

Major cities may also offer a list of low-cost spay and neuter clinics around town. Check your local government website to see what is available nearby.

Free dental clinics for pets

Taking care of those pearly whites is not only important for human members of the family, but for dogs and cats as well, and if you are looking for free dental care for pets, there may be some options. 

Pet Dental Services⁹ (PDS) offers anesthesia-free dental care for dogs and cats under the supervision of licensed veterinarians throughout the country. With 100+ locations around the country, PDS is a quality option for quality care. Though services are not free, pet owners may be able to find some low-cost options. 

You can also check the Animal Humane Society Veterinary Centers for low-cost dental services like dental cleanings and extractions.

Keep in mind when booking dental services that most clinics and organizations price teeth cleaning by the size and weight of your dog or cat. This is because smaller pets need less anesthesia (that is, if you need to book an appointment for a cleaning that requires anesthesia). 

Dr. Bethany Hsia, DVM and co-founder of CodaPet, a network of licensed veterinarians that provides in-home pet euthanasia and cremation services, says that some local chapters of The Humane Society offer affordable dental care services for pets. 

“In addition, some animal shelters partner with veterinarians to provide discounted or free dental care as part of their community outreach programs,” Hsia says.

Free emergency vet

Emergency vets can be hard to come by, let alone a free emergency vet. If you are unsure what qualifies as emergency veterinary care, you can always call your primary care vet to describe the symptoms your dog or cat is experiencing. 

Some veterinary colleges, animal shelters, and community clinics offer emergency assistance programs for animals on a limited basis.

Emergency vet payment plans

Unfortunately, not all emergency vet hospitals offer payment plans, but some do. It simply depends on the individual practice and its guidelines, but if you need some assistance to help cover emergency vet bills, there are a few options:

• Negotiate a payment plan with your veterinarian if available. Some veterinarians also work with third-party billing services, which allow you to pay over time.
• For pet owners looking to also to support their dog's daily wellness, immune function and energy, supplements provide minerals and vitamins, especially if your budget restricts specialized diets or premium foods. Find out more about providing a complete range of essential nutrients for dogs with this comprehensive guide to the minerals and vitamins your dog needs.
• Get a second opinion (if it’s not an emergency situation, of course). This may give you the option to work with a low-cost vet or one that offers payment plans.
• Look for an animal shelter, community clinic, or veterinary college near you that offers discounted services for pets. 

Dr. Hsia also suggests CareCredit, a credit card specifically designed for health care expenses, including veterinary care. 

“It offers payment plans with low or no interest for a certain period,” she says.

Free vet services

You may be able to find the following free vet services at the locations mentioned above or by searching for free vet care in your area.

Vaccinations and routine check-ups

The American Animal Hospital Association⁸ (AAHA) recommends all dogs receive core vaccinations, which include:

• +/- Parainfluenza
• Adenovirus
• Distemper
• Parvovirus
• Rabies

These vaccinations may be given on their own, like the rabies vaccine, or as a combination vaccine, where two or more vaccinations are covered in one shot. Some of these vaccines also require booster shots, usually every 1-3 years depending on the vaccine.

Puppies can usually begin getting vaccinated at 4-5 weeks old, but here is a vaccine recommendation schedule from the AAHA to see when your dog can start getting vaccinated.

Cats also need vaccinations. These include:

• FCV (Feline calicivirus)
• FHV-1 (Feline herpesvirus-1)
• FPV (Feline panleukopenia)
• FeLV (Feline leukemia)
• Rabies

Kittens can usually start getting vaccinations around 4 weeks old, but you can use this lifestyle-based vaccine calculator to learn more about what your cat may need and at what age.

Low-cost pet euthanasia

As of 2024, U.S. News & World Report¹⁰ reports that euthanasia services usually begin around $50-$100, though the cost varies widely depending on the size of your dog, the facility you use, and where you live. These services can climb as high as $1,000 depending on the type of provider or service you use.

Dr. Hsia says emergency hospitals are the most expensive locations for euthanasia.

“Some low-cost options include local animal shelters, humane societies, and some veterinary schools. Some pet charities provide financial assistance for pet owners facing financial hardship to help cover the cost of euthanasia.”

If you are searching for the phrase “low-cost pet euthanasia near me,” there may be a few options. 

For example, the Animal Humane Society¹¹ offers end-of-life euthanasia for $90, while places like the Anti-Cruelty Organization of Chicago¹² suggest a $50 donation for euthanasia services, which will be used to provide care to the animals in their shelter.

You can also ask local animal hospitals, clinics, or veterinarians if they offer low-cost pet euthanasia services.

Where to get free pet medications

Free pet medications can be hard to come by, though there are some low-cost pet medication options for your dog or cat. Websites like GoodRX offer pet prescription options where users can compare prices from local pharmacies, major online pet medication retailers, and other sources to help find the lowest prices for all your pet medication needs. 

Another option is BuzzRx, a free prescription discount service that allows pet owners to save on pet prescriptions that can be filled at human pharmacies (e.g., Walgreens, CVS, Walmart, etc.). Users can download their card online or with their app, which can help users save up to 80% off prescription medications at 60K+ pharmacies nationwide.

Other companies, like 1-800-PetMeds and Chewy, offer online coupons where you can save on basic subscriptions like flea, heartworm, and tick medications.

If you need prescription help for the human members of your family, check out our post on free or cheap prescriptions.

Will pet insurance keep costs down?

Your entire family is most likely covered by health insurance, which begs the question, Do you need pet insurance, and who should consider pet insurance anyway?

One of the major pros of pet insurance is that it gives you financial protection over major vet bills — but not routine care. Think of things like a broken bone or a cancer diagnosis. If you do not have pet insurance, you will be responsible for paying for those vet visits out of pocket, and that can add up.

Pet insurance premiums depend on factors such as the age and breed of the pet, coverage limits, and deductibles. A typical pet insurance policy with a $100 deductible will require a monthly premium of $63.05, though deductibles can range from $200, $250, $500, and $1,000. 

The average cost for monthly health insurance is around $15-$90 per month.

Pet insurance offers a range of annual limit options ranging from $2,000 to $5,000, while others may be $10,000 to $15,000, and yet still some companies offer unlimited coverage options. Keep in mind that the higher the annual limit, the more you will pay in monthly premiums.

Do some basic math to decide if insurance is worth it for you. As with any insurance, the house always wins, and you may end up paying more in premiums than you receive in benefits. 

For example, if you have a pet insurance policy with a $500 deductible and your vet bill is $1,000, you will be responsible for the $500 while your pet insurance provider will pick up the remaining $500. 

If pet insurance is $50 per month, you would pay $600 annually in premiums + a $500 deductible, or $1,100 before benefits kick in. 

If your pet is young and healthy, it may make more sense to save $50 monthly towards future vet expenses, which may or may not be needed.

Check out these other posts for more free and low-cost resources:

SOURCES

1. “How Much Will You Spend on Your Dog in His Lifetime?” Jan Reisen for American Kennel Club. Jan 28, 2019. https://www.akc.org/expert-advice/lifestyle/how-much-spend-on-dog-in-lifetime/
2. “The Cost of Dog Parenthood in 2024,” The Dog People, powered by Rover.com. https://www.rover.com/blog/cost-of-dog-parenthood/
3. “The Cost of Cat Parenthood in 2024,” The Dog People, powered by Rover.com. https://www.rover.com/blog/cost-of-cat-parenthood/
4. “2024 Pet Insurance Survey: Fearing Costs, 30% of Pet Owners Have Avoided the Vet,” Kristina Zagame for MarketWatch. Dec 28, 2023. https://www.marketwatch.com/guides/pet-insurance/pet-insurance-survey/
5. Tree House Humane Society. https://treehouseanimals.org/
6. College of Veterinary Medicine Veterinary Teaching Hospital. University of Illinois. https://vetmed.illinois.edu/hospital/veterinary-teaching-hospital/
7. “2022 AAHA Canine Vaccination Guidelines,” The American Animal Hospital Association. https://www.aaha.org/resources/2022-aaha-canine-vaccination-guidelines/
8. Pet Dental Services. https://petdentalservices.com/
9. “Dog Euthanasia: How Much Does It Cost To Say Goodbye?” by Fiona Tapp for U.S. News & World Report. March 11, 2024. https://www.usnews.com/insurance/pet-insurance/dog-euthanasia-cost
10. “End-of-life services,” Animal Humane Society. https://www.animalhumanesociety.org/resource/end-life-services
11. “End-of-life services,” Anti-Cruelty. https://anticruelty.org/end-of-life

A couple years ago, I moved to a new state and was floored at how much it cost — the average quote for my two-story, three bedroom house was $3,000.

Instead of hiring movers, I ended up renting a one-way U-Haul for just under $500. The rest, I paid for in sweat.

According to Moving.com,¹ a comparison site for movers and sister site of Realtor.com, the average cost of a local move is $1,250, while the average cost of a long-distance move is $4,890.

You can always get a free moving quote to see what your full-pay options are.

Low-cost and free movers

Unfortunately, if you’re looking to move for free, there aren’t legitimate options unless you are in an emergency situation like homelessness or violence. However, there are ways to find affordable movers and moving services:

Charities that help with moving

• Salvation Army
• YWCA USA
• United Way 211
• Churches
• Storage assistance

Moving assistance for seniors

Emergency relocation programs

• Moving assistance for disabled
• Moving assistance for veterans and disabled veterans
• More emergency fund resources

How to cut moving costs

Common moving scams

Charities that help with moving expenses

If you meet certain income and other eligibility requirements, you may be able to get help from a charity organization with the cost of your move, especially if you are in a crisis (i.e. facing eviction or fleeing domestic violence).

Start by searching online for charities in your city or town, and contact them to ask if they offer moving assistance. You may be required to provide documents to verify your income and information about your move.

Here are some nationwide charities that may offer financial help with moving if you are navigating homelessness:

Salvation Army

The Salvation Army is a global, faith-based organization that offers services to people in need.

Regional locations offer different community programs based on what’s needed in a particular area. For example, the Salvation Army Housing Now program in the Denver metro area provides homeless families with up to $150 for moving expenses.²

All locations may not offer moving assistance, so you’ll have to contact your local Salvation Army or visit your local branch’s website to see what they offer, which may also include security deposit assistance.

YWCA USA

Some YWCA locations, like the one in Quincy, Ill., offer a Supportive Housing Program that provides one-time assistance with moving costs for individuals and families who are homeless.³  

Contact your local YWCA to ask if there are options to help you with the cost of your move. 

United Way 211

While the United Way does not directly provide money to help people move, they can connect you to resources in your community. 

Dial 211 on your mobile or landline phone, or visit 211.org to ask about moving and financial assistance.

Churches

Churches and religious organizations often have programs and ministries to serve community needs. You can contact local churches and ask about one-time help with moving costs. 

For example, Catholic Community Services of King County, Wash. offers move-in assistance once a year.¹⁰ Even if your church can’t offer financial help for your move, volunteers from your church community may be willing to offer you help in the form of unpaid labor. 

Storage assistance

If you can’t find a home right away, some organizations will help you pay to store your belongings. For example, Coalition for the Homeless in New York City helps pay for storage for people living in a shelter.⁴

Moving assistance for senior citizens

Though services vary by region, your state Department of Aging is a great place to look for information on free or low-cost moving assistance for seniors. 

On a local level, you can reach out to senior centers and county or city departments of aging. The Administration for Community Living (ACL) Eldercare Locator is a helpful tool to find services that help seniors.

Most programs will require that you meet eligibility guidelines in regards to age, income, and assets. For example:

• Housing Opportunities & Maintenance for the Elderly (H.O.M.E.) in Chicago, Ill., offers free boxes and moving services on a sliding fee scale based on monthly income for seniors 62 and over (55 and over if disabled)⁵
• The United Way of King County, Wash., has a Mighty Movers program staffed with volunteers to help seniors move⁶

You can also look into organizations like the American Association of Retired Persons (AARP). AARP members can get a $250 discount on moving costs when they use Shyft moving services⁷ and up to 20% off Budget truck rentals.⁸ 

If you decide to hire a moving company, ask if they offer a discount for seniors.

Crisis and emergency moving assistance

If you are in an emergency situation and need help moving because of a house fire, domestic violence situation, eviction, or natural disaster, these resources can help:

• National Domestic Violence Hotline: This website provides resources to help you move from an abusive home, or you can call 800-799-SAFE
• Federal Emergency Management Agency (FEMA): The FEMA Individuals and Households program provides financial assistance with moving and storage costs after a disaster
• Emergency Solutions Grant: The U.S. Department of Housing and Urban Development (HUD) has funding for its Homelessness Prevention program that offers financial assistance for moving costs through Continuum of Care programs
• Nonprofits: Reach out to local nonprofits likeModest Needs,⁹ which offers a one-time grant of up to $1,000 to help low-income families handle an emergency situation like moving quickly from a home 

Moving assistance for disabled

If you are disabled and need help moving, one of these organizations may be able to help or at least point you in the right direction:

• The Disability Information and Access Line (DIAL) connects people with resources that support independent living. Call 888-677-1199 to ask about resources in your area.
• Centers for Independent Living helps people with disabilities transition from nursing homes and other institutions to community-based residences.
• Elderly Disabled Living (EDL) is a charity that offers financial help to low-income seniors and disabled persons to pay for utilities, health care, transportation, housing, and other expenses on a case-by-case basis. Each month, EDL accepts applications for assistance and chooses winners based on need.

Moving assistance for veterans and disabled veterans

If you are a veteran or disabled veteran, here are some resources to find help with moving to a new home:

• The U.S. Department of Veterans Affairs (VA) offers a Relocation Assistance Program for veterans transitioning out of the military that includes services to help you plan and budget your move
• If you live in a rural area with six or less people per square mile, the Post-9/11 GI Bill offers a one-time payment for veterans, service member or qualified dependent children to move from that area to attend school
• The National Resource Directory helps connects veterans and service members to resources that support transitioning to civilian life
• The Wounded Warrior Project forms community partnerships to help wounded, injured, or ill veterans get the support they need. For example, Operation We Are Here offers multiple resources for military moves.

Also, reach out to military service and relief organizations to ask about moving assistance (some of them may require membership):

• Army Emergency Relief: This is the Army’s nonprofit that provides financial help to soldiers and their families as they relocate 
• Navy-Marine Corps Relief Society: Offers Quick Assist interest-free loans of up to $1,000 for urgent financial needs
• Air Force Aid Society: Provides emergency financial assistance for basic living expenses like gasoline and vehicle repairs which are helpful during a move
• Coast Guard Mutual Assistance: Has a General Assistance program that provides help with moving expenses when a move is necessary for the overall health of the family
• Veterans of Foreign Wars: Offers an Unmet Needs grant that provides up to $2,500 for expenses that you cannot pay due to financial hardship

More emergency fund resources

Emergency fund resources often require proof of financial hardship and can provide money to address immediate needs. There are also lots of ways to earn extra cash to build your moving fund.

Here are some helpful posts:

• 20+ ways to get free money now to help pay bills
• 8+ legit grants for single moms for hardships and more
• Need money now? 15 ways to get free money instantly
• What can I sell to make money (or resell)? 41 ideas
• How to prepare for a recession and survive this year — 9 things to do now

Other relocation help, relocation assistance programs

Some businesses offer grants specifically for moving. For example, Move.org offers a $500 grant to people living in the U.S. who are planning to move in the next six months. The application is open in the summer and fall, based on availability.

If you are being displaced from your home by the government, you are entitled to relocation assistance under the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970. It’s important not to move until you receive communication about your rights and options from the government.

Your state human services agency may offer a relocation program. For example, Michigan’s MI Bridges program offers up to $1,040 in relocation funds based on household income and size.¹¹

If you get a new job in another city or state, ask your employer about reimbursement for moving expenses.  

If you are a member of a church, service organization, fraternity, or sorority, you may be able to get a need-based grant or find volunteers to help you move.

Typically, you’ll need to provide identification and proof of income and assets at a minimum to get help for a need-based grant. 

Read: 8+ legit grants for single moms for hardships and more

How to cut moving costs 

You’ll have to do a lot of digging to find resources or people who are willing to move you for free. However, if you can’t get the help you need for a free move, here are some tips for cutting costs:

• Recruit friends and family: Bribe people with pizza and beverages to help you pack and move items from your home
• Seek volunteers: Ask for help from volunteer organizations and churches in your community to see if you can get help moving small items for free
• Start a GoFundMe page: You can tell your story (just like Heather, a single mom from Denver facing eviction) and get financial support from people who care by sharing your link on social media
• Find an affordable moving solution: Opt for mobile storages or one-way truck rentals to cut costs
• Membership perks: If you belong to AAA or warehouse clubs like Costco, ask about membership discounts on moving expenses
• Freecycle: Use Freecycle.org to find free packing supplies like boxes, bubble wrap, and packing tape
• Use apps to sell stuff: Make extra money by using apps to sell items you no longer need
• Move during off-peak times: The busiest time to move is May through September, so move during the off-season when moving companies are more likely to have specials and discount deals
• Use what you have: Instead of buying packing materials like bubble wrap use what you have around the house, like newspapers, towels and linens to wrap fragile items
• Ask stores about free boxes: Go to your local grocery and big box stores and ask if they are willing to give you unwanted boxes
• Donate unwanted items: Cut down on what you have to take with you by donating furniture and other household goods to charity

Avoid predatory moving scammers

Arm yourself with knowledge on how to spot red flags to avoid predatory moving scammers, including: 

• Companies that quote you a low rate, then charge you more upon job completion or tack on additional fees
• Companies that request a large down payment then don’t complete the job

According to the U.S. Department of Transportation Office of the Inspector General (US DOT OIG), here are some red flags to watch for on a moving company’s website¹²:

• No address or credentials: No web presence, physical address, or any information about their licensing, insurance, or registration as a business (such as a DOT number)
• Sketchy business details: Company uses a generic email address or someone answers the phone with a “hello” instead of using the company name
• Overly positive reviews: No matter how great the business, all reviews won't be five stars and glowing so read carefully and see if people sound genuine as some places hire people to make fake reviews or post their own
• Unproven claims: Moving business claims to be in business for decades but you can’t find a web presence, reviews, or anything to prove such claims
• No in-person inspection: The company agrees to move your belongings without seeing them in person (or using a video chat if you are in another state), yet gives you a verbal estimate instead of a written one
• Pushy salesperson: Salesperson makes statements like “this price is only good for today” or contacts you daily to get you to commit to the hire and make a deposit
• Poor communication: The moving company is hard to reach by email or phone or does not answer your questions
• Credit not accepted: Mover will not take a credit card as a form of payment and only accepts cash, wire transfers, or money orders
• Large deposit: The moving company asks for a large deposit or demands payment in full in advance of the move
• Blank contract: A moving representative shows up on moving day with a blank contract to sign

The Better Business Bureau also offers tips for avoiding moving scams: 

Better Business Bureau provides tips to avoid common moving scams

To make sure you’re choosing a reputable mover, check out these resources and third-party review sites:

• Better Business Bureau (BBB): You can vet moving companies based on their BBB rating and consumer reviews
• Federal Motor Carrier Safety Administration (FMCSA): Part of the DOT, the FMCSA has an in-depth online guide to help with your move, including a booklet you can download about your rights and responsibilities when you move
• Independent consumer review sites: Sites like Trustpilot and Consumer Advocate give you a glimpse of what other people think of the mover
• MovingScam.com: A site dedicated to finding reputable movers that includes reviews, forums, and a list of vetted movers
• Friends and family: Ask your network who they have used in the past
• Real estate agents: Your local real estate agent can likely refer you to reputable movers

Also, it’s a good idea to hire an actual moving company versus a moving broker. A moving broker doesn’t do any of the work, but rather hires a subcontractor to do the work. You may be charged extra fees just for involving a middle man.

Here’s what happened when one Reddit user hired a moving broker:

Moving Scam
byu/Daddy-o62 inScams

And here is more helpful information on moving brokers from Reddit:

YSK: In the US, interstate moving fraud is very common.
byu/TatonkaJack inYouShouldKnow

Once you find reputable moving companies or solutions (such as renting a truck or using moving pods you pack yourself that are transported to your new home), budget out what it will cost to make your move a reality. 

Good companies will give you a free estimate or quote. Get estimates from several moving companies so you can compare costs. If you find that you cannot afford the cost, look for low-cost moving alternatives, as well as financial assistance to cover your relocation costs. 

Get free quotes from these reputable moving companies.

Check out these housing resources and more help for low-income families:

Sources:

1. “Moving cost calculator for moving estimates” Moving.com https://www.moving.com/movers/moving-cost-calculator.asp
2. “Housing Now – Meet Program Needs” The Salvation Army https://housingfirst.salvationarmy.org/housing_now_intermountain/program-needs/
3. “Supportive Housing Program” YWCA https://www.ywcaquincy.org/what-were-doing/promoting-womens-wellness/
4. “Do You Know of Any Cheap Or Free Storage Facilities For My Things While I Am In Shelter?” Coalition for the Homeless https://www.coalitionforthehomeless.org/get-help/help-with-something-else/cheap-free-storage-facilities/
5. “Moving Assistance” Housing Opportunities & Maintenance for the Elderly https://homeseniors.org/moving-assistance
6. “Mighty Movers needed for older adults in King County” United Way https://volunteer.uwkc.org/need/detail/?need_id=576942
7. “Shyft offers AARP Member Benefits” AARP https://www.aarpmovingservices.com/
8. “Member Benefits Budget Truck Rental” AARP https://www.aarp.org/membership/benefits/carrental/budget-truck-rental/
9. “Rental Assistance Programs – Seattle / King County.” Rental Housing Association of WA. https://thechurchcouncil.org/wp-content/uploads/2021/02/Rental_Assistance_in_Seattle_King_County.pdf
10.  “Relocation Assistance” Michigan Health and Human Services MI Bridges https://www.michigan.gov/mdhhs/assistance-programs/emergency-relief/relocation
11. “Household Goods Moving Fraud” U.S. Department of Transportation Office of the Inspector General https://www.oig.dot.gov/investigations/household-goods-moving-fraud

If you want a smartwatch, don't fall for clickbait advertisements that promise a free device. Often, those types of ads are just trying to steal your personal data. And if you actually get a free smartwatch by mail, it may be loaded with malware.¹

To get a discount on a legit smartwatch or health tech device, start with your health insurance provider. In some cases, your device might be covered 100%.

In this post, we’ll cover the best ways to get a free or affordable smartwatch or fitness tracker, help you avoid free smartwatch scams, and discuss the benefits of owning one. We’ll also cover free fitness tracking apps you can use without a smartwatch.  

Keep reading to learn about:

What health tech devices are covered by insurance?

• Apple Watch
• Fitbit
• Garmin
• Other smartwatch brands

Health insurance plans that (may) cover health monitoring watches

• Aetna
• Blue Cross Blue Shield
• Cigna Healthcare
• Kaiser Permanente
• Medicare Advantage
• UnitedHealthcare

Other ways to get a free or cheap smartwatch

• Free Fitbit from the government
• John Hancock life insurance

Watch out for free smartwatch scams

What health tech devices are covered by insurance?

Depending on your insurance provider and level of coverage, devices like smartwatches and fitness trackers may be covered, since they can measure health data factors like heart rate and sleep patterns — and studies show that people who use these features are more likely to exercise and enjoy the experience² and gain early awareness of health issues such as heart disease and movement disorders.³

However, smartwatch benefits are not often promoted on insurer websites. Information on perks like free smartwatches is readily available to current members of an insurance plan, but hard to find when you are shopping around for coverage on your own. If you are employed, get in touch with your HR representative during open enrollment to get the inside scoop or contact customer service for the health plan that interests you.

For example, the Devoted Health Medicare Advantage Plan of Greater Houston will reimburse members up to $150 per year to purchase an Apple Watch or other health tech device.⁴  

If you are at risk for certain health conditions, some insurance providers cover smartwatches or fitness trackers as an incentive to meet weight loss and other health goals. This is the case for people who enroll in the Lark Diabetes Prevention Program, which provides free Fitbit with participating insurance plans.⁵

To qualify for a free Fitbit with Lark, you’ll have to answer health questions to determine your level of risk for diabetes. Once accepted, you’ll have to be active in the program for 10 weeks and complete all activities to earn the Fitbit.

Keep in mind, providers may only authorize coverage for devices with FDA-cleared applications — those that accurately monitor or measure aspects of health like your heart rate or sleep patterns. The Apple Watch’s ECG app is an example of an FDA-cleared app.⁶

This news report talks about the benefits of having a smartwatch for your health:

Here’s a list of top health tech devices that may be covered in full or part by health insurance:

Apple Watch

Price range: $249-$1249+

Though the Apple Watch is one of the most expensive smartwatches you can buy, it also offers tons of features, including: 

• Activity monitoring: Monitor calorie burn, activity, and how many times you stood up and moved each hour. Your device can also track how your body responds to different types of exercise through metrics like heart rate elevation.
• Heart monitoring: Get notifications about irregular heart activity or generate an electrocardiogram (ECG) you can send to your doctor.
• Sleep tracking: The Apple Watch can report on the quality of your sleep throughout the night, track your body temperature, and work with a connected iPhone to set sleep reminders.
• Emergency alerts: If you have been in a car accident or have fallen down, the watch can connect you with first responders and notify your emergency contacts.
• Communication: With a paired iPhone, you can make calls, text, see notifications for appointments, check the weather, and monitor daily task lists. Even if your kids don’t have an iPhone, they can call or text you with their Apple Watch.
• Device recovery: You can use your Apple Watch to track the location of your iPhone, Airpods, or other AirTag-connected items.
• Apple Music streaming
• Apple Pay

Features vary by model, and insurance providers may specify which ones are covered.

FDA-cleared features include the ECG and AFib apps, which monitor heart rhythm, and the StrivePD app, which helps people with Parkinson’s track symptoms and manage treatment.⁷ 

As far as compatibility, Apple Watches only pair with iPhones.

Learn how to make money testing products at home

Fitbit

Price range: $79.95-$399.99

Fitbit has been around since 2007 and is the OG in the health tracker space. The brand offers both fitness trackers and smartwatches with a variety of features like: 

• Activity tracking: Track your steps taken and number of active minutes.
• Heart rate monitoring: Check your current and resting heart rate, and set up notifications for any abnormal heart activity.
• Sleep monitoring: Learn about your sleep cycles, breathing rate and blood oxygen levels to understand your overall quality of sleep and any potential health concerns.
• Temperature checks: You can also keep track of your changing temperature during illness and to track ovulation. 
• Stress management: Fitbit has apps to measure your stress response through changes in your body and offers mood logs and other stress management tools.
• Hands-free purchasing: Fitbit Pay allows you to use your smartwatch to pay for items wherever the contactless payment symbol is shown.
• Communication: Pair with your smartphone to accept or reject calls, use quick reply text messages, and read appointment notifications.

Devices have different features based on the model, and some include data directly on the device. You can unlock more features with a Fitbit Premium subscription for $9.99 per month. 

Fitbit was acquired by Google in 2021, so if you browse for devices on Fitbit.com, you’ll also see different Google Pixel Watch models. Devices are compatible with iPhone, Android and Google Pixel smartphones.

Like the Apple Watch, Fitbit also has some FDA-cleared devices and apps, including the ECG app with an atrial fibrillation (AFib) algorithm⁸ and the ARIA WiFi Smart Scale.⁹

Garmin

Price range: $79.99-$1,900+

Garmin, known for its GPS navigation devices, offers a large variety of smartwatches and activity trackers. The brand also has options to track movement and exercise for people in wheelchairs.

Garmin device features include:

• Health and fitness monitoring: Track your exercise and movement on land or even in water, and manage fitness goals.
• Sleep tracking: Look at your sleep data to learn more about the quality of your rest.
• Heart monitoring: Garmin keeps track of your blood oxygen levels over time, tracks your heart at rest and during exercise, and alerts you when something is wrong.
• Communication: Make calls and receive text messages through your device.
• Solar charging and built-in flashlights

Garmin has more than 90 available devices, and they allow you to filter products on their site based on which features you want. Garmin also offers an FDA-cleared app called the ECG app, which monitors heart function and is useful in detecting AFib (abnormal heartbeats) on the Venu 2 Plus.¹⁰

Garmin also has devices specifically for children with a parent-controlled app and pairs with Android and iPhone smartphones. 

Other smartwatch brands

A quick search on Amazon shows there are thousands of options for wearable health tech devices including tradie smart watches — some for less than $50, like this Jawploy Fitness Tracker with blood pressure and heart rate monitoring that retails for $31.50:

Read customer reviews to learn about the customer experience with a particular device before you purchase.

If your insurance will help you pay for a smartwatch, ask if it must be a certain brand or model or if you have a choice of fitness tracker or smartwatch.

Health insurance plans that (may) cover health monitoring watches

When it comes to getting a free or discounted smartwatch, every insurer is different. If you have certain health conditions, you may automatically qualify, while other insurers will require a doctor’s prescription. 

Check out how these health insurance providers handle health tracking watches for their members:

Aetna

Aetna had a program (Attain by Aetna) where you could get a free Apple Watch, but it ended in late 2023. Now, the insurance provider offers a fitness reimbursement on select 2024 Medicare plans that includes fitness trackers like Apple Watch or Fitbit. 

Members are limited to one fitness tracker per plan year and must include an itemized receipt for the purchase.

Aetna also advertises discounts on health-related products and services. These discounts are not part of any Aetna plan, but are provided by third-party vendors.

How to get help:

• Call 800-872-3862 or the number on your Aetna insurance ID card

Blue Cross Blue Shield (BCBS)

BCBS offers a program called Blue365 that provides the following discounts:

• Up to 20% off Garmin devices
• Up to 20% off Fitbit and Google devices
• Up to 50% off select Fitbit, Garmin and Polar heart rate monitors

This program is free to join but is not offered on all BCBS insurance plans.

Each BCBS plan has its own options for reimbursement of health and fitness devices and services. So, check with your plan representative before you make a purchase.

How to get help:

• Register for Blue365 with your member ID
• Call the number on your BCBS insurance ID card

Cigna Healthcare

Cigna offers a Healthy Rewards program for individual and family health insurance plans. They offer discounts on wearable fitness devices, gym memberships, and more. For specific details about which health tech devices are included, you’ll need to access your Cigna account.

How to get help:

• Log in to my.Cigna.com and check the Wellness category
• Call 800-870-3470 or the number on your Cigna Healthcare insurance ID card

Kaiser Permanente

Kaiser Permanente offers its members ChooseHealthy, a program that provides discounts on activity trackers from Fitbit, Garmin and other brands. This program is not available to Medicaid members.

How to get help:

• Visit Kaiser Permanente online, select your region and choose the Health & Wellness category
• Call the number on your Kaiser Permanente insurance ID card

Medicare Advantage

If you have a Medicare Advantage plan, you may be eligible for a discounted fitness tracker or reimbursement when you purchase one. 

For example, Humana’s Medicare Advantage members with the over-the-counter (OTC) benefit can purchase a Fitbit from CenterWell Pharmacy online using an allowance on their Humana Spending Account card to save money.¹¹

Other Medicare partners who offer access to free health trackers include:

• Silver&Fit: Member can choose one wellness kit per year, such as a fitness tracker kit that offers a choice of a Fitbit or Garmin tracker
• Wellcare: Provides one free Fitbit to members with a promo code from their insurer

How to get help:

• Call the number on your Medicare Advantage plan ID card

UnitedHealthcare

The UnitedHealthcare (UHC) Rewards program allows members to earn money (up to $1,000 per year) by completing healthy activities. For example, you could earn $5.25 each week for walking 5,000 steps a day or $25 for completing a health survey. 

Funds are loaded on prepaid debit cards or into a health savings account (HSA), which you can use to purchase a smartwatch. 

How to get help:

• Activate UHC rewards through the UnitedHealthcare app or at myuhc.com
• Call the number on your UHC insurance ID card

Other ways to get a free or cheap smartwatch

Here are some other ways to get a smartwatch:

• As a new wireless customer: If you switch to a new wireless provider, you may be able to get a free smartwatch or fitness tracker as part of an incentive program (As of May 2024, AT&T offers a free Pixel Watch 2 if you buy the Google Pixel 8a phone.)
• Pay over time: Make monthly payments using an interest-free buy now pay later solution through  Amazon or by selecting  PayPal in 4 at checkout with participating stores
• Rent to own: Use a business like BBB A+ rated Leaseville to rent your smartwatch, interest-free, starting at $10 a week until you pay it off.

Free Fitbit from the government

The All of Us Research Program from the National Institutes of Health (NIH) offers a WEAR Study where eligible participants can get a free Fitbit. 

You agree to use the Fitbit, and the study receives data from your device to gather information about your lifestyle.

Learn more about the WEAR Study.

John Hancock life insurance

John Hancock life insurance has two programs for its policyholders: Vitality Plus and Vitality Go. 

Through Vitality Plus, which costs as little as $2 per month to join, you can get an Apple Watch starting at $25 plus tax. Once you have it, you can complete exercises to pay for any remaining balance. 

With Vitality Plus, you are also eligible for discounts on smartwatches and fitness trackers. The free Vitality Go program also provides discounts on health tech devices.

Watch out for free smartwatch scams

Unfortunately, smartwatch scams target people who are looking for free or low-cost devices. There are some common scams to look out for:

• You get a free smartwatch in the mail you didn't request. It could be full of malware to take your personal information once you start using it.
• Free smartwatch ads requesting payment for shipping — the device may never come, but the ad creator still gets your payment information.
• You are being pressured to take action right away or you will lose the option to get a free smartwatch.
• You can only pay with specific options like cryptocurrency, wire transfer, gift cards or by first depositing a check they send into your bank account.
• You get a call, text message or email from a business or organization you know, but they are asking for information they should already know.

If a free smartwatch offer seems too good to be true or feels off, do some research. You can start by searching Google to see what others have said about the free smartwatch offer. Also, check forums like Reddit and resources like Quora before acting on an offer.

Some scammers try to make websites and emails look official, using logos and colors that look like legit business you already trust, so be cautious about clicking on links. When in doubt, contact that business directly to ask about the free smartwatch offer. 

In these threads, Reddit users talk about smartwatch scams and how they handled them:

Verizon smartwatch scam, but smart watch was actually delivered in mail….
byu/Danvan88 inScams

Free SmartWatch Text Scam
byu/jbennett3 inScams

Check out our posts on other ways to get free and cheap technology:

SOURCES

1. “Workout with a Smartwatch: A Cross-Sectional Study of the Effects of Smartwatch Attributes on Flow Experience and Exercise Intentions Depending on Exercise Involvement” November 30, 2023. MDPI. https://www.mdpi.com/2227-9032/11/23/3074
2. “Smartwatches in healthcare medicine: assistance and monitoring; a scoping review” November 3, 2023. NIH National Library of Medicine. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10625201/
3. “Warning Issued to Troops Receiving Strange Smartwatches in the Mail” Jun 22, 2023. Military.com. https://www.military.com/daily-news/2023/06/22/warning-issued-troops-receiving-strange-smartwatches-mail.html
4. “2024 Devoted Health Plans Summary of Benefits” August 30, 2023. Devoted Health Plans. https://assets.devoted.com/plan-documents/2024/2024-Devoted-GIVEBACK-Greater-Houston-(HMO)-SB-H7993-006-ENG.pdf
5. “How do I earn a Fitbit in the Diabetes Prevention Program?” Accessed March 14, 2024. Lark. https://support.lark.com/hc/en-us/articles/360000658667-How-do-I-earn-a-Fitbit-in-the-Diabetes-Prevention-Program 
6. “De Novo Classification Request for ECG App” August 14, 2018. Food and Drug Administration. https://www.accessdata.fda.gov/cdrh_docs/reviews/DEN180044.pdf
7. “Apple Watches have Two New FDA-Cleared Health Applications” June 29, 2022. AAMI Array. https://array.aami.org/content/news/apple-watches-have-two-new-fda-cleared-health-applications
8. “New Fitbit feature makes AFib detection more accessible” April 11, 2022. The Keyword. https://blog.google/products/fitbit/irregular-heart-rhythm-notifications/ 
9. “Fitbit 510(k) Summary of Safety and Effectiveness” December 2013. Concurrence of CDRH, Office of Device Evaluation. https://www.accessdata.fda.gov/cdrh_docs/pdf13/K133872.pdf
10. “Understand your body better with the new ECG App from Garmin” January 24, 2023. Garmin. https://www.garmin.com/en-US/newsroom/press-release/sports-fitness/understand-your-body-better-with-the-new-ecg-app-from-garmin/
11. “Over-the-counter (OTC) allowance benefit” June 30, 2022. Humana. https://www.humana.com/pharmacy/over-the-counter-otc-benefits