Financial Well-being Hub

Struggling to Make Ends Meet

When money is tight, knowing where to turn can make a difference. Whether you’re having trouble paying bills, covering groceries or managing an unexpected expense, these resources can help you explore your options and take the next step.

While we’ve included some state and federal resources below, Memorial Hermann’s Community Resource Centers (CRCs) are a helpful first stop if you’re unsure where to begin. Staff can help you find support, connect you with services that fit your needs and assist with applications for SNAP and medical coverage. Click the link in the Take Your Next Steps box to find a location near you.

Take Your Next Steps

If you’re facing an immediate bill or late fee, DailyPay can help you get it paid. Send your earned wages to your bank account the next business day for no charge, or instantly for a small fee. That means you can pick up a shift and cash out quickly if needed.

See how DailyPay works in this short video:

DailyPay Offers Free Financial Coaching

If money feels overwhelming, a financial coach can help you sort out what to tackle first and build a plan that works for you. To access financial coaching through the DailyPay app, select Perks, scroll to Financial Tools and choose Free Financial Coaching.

If you’re having trouble affording groceries or keeping food on the table, support is available. Memorial Hermann benefits and community resources can help you find food banks, meal programs and assistance to pay for food.

MH Benefit or Community Resource

This Resource Can Help You…

Get Started

Memorial Hermann Community Resource Centers

Access an on-site food pantry, connect with food banks and apply for Supplemental Nutrition Assistance Program (SNAP)

Find a Center

Wellthy

Locate food banks, meal services and community kitchens, and help you apply for SNAP and Special Supplemental Nutrition Program for Women, Infants and Children (WIC)

wellthy.com/memorialhermann or call 877.588.3917

City of Houston Food Resource Guide

Find local food pantries and free grocery distributions, with locations, hours and contact information

View the Food Resource Guide (English/Spanish/Vietnamese)

Feeding Texas

Find food pantries throughout the state of Texas

Find My Food Bank

Your Texas Benefits

Explore food assistance, cash help for families, health care coverage and support services

yourtexasbenefits.com

United Way 211

Connect with food assistance, as well as housing, rent and utility assistance, child care, transportation, health care and mental health support with free, anonymous help 24/7

Call 211, visit 211texas.org or find your local 211

Federal Programs (WIC, SNAP)

Access eligibility information and find state contacts for the WIC and SNAP

hhs.gov

The cost of housing can be overwhelming, but there are resources that may help lessen the burden if you’re at risk of losing your home or experiencing homelessness.

MH Benefit or Community Resource

This Resource Can Help You…

Get Started

Memorial Hermann Community Resource Centers

Connect with housing and utility assistance

Find a Center

Wellthy

Locate affordable housing, identify financial assistance and support with applications

wellthy.com/memorialhermann or call 877.588.3917

Partners in Caring (PIC)

Receive financial assistance and paid time off following a catastrophic event, such as a natural disaster or housing crisis (application required, eligibility rules apply)

Partners in Caring (MHOne login required)

State of Texas – Consumer Assistance

Find contacts for various support programs for rent payment assistance, affordable housing throughout Texas, Section 8 vouchers, utility bill support and more

tdhca.texas.gov/contact

State/Federal Programs

Explore affordable housing, rental assistance, housing counseling and resources if you’re at risk of losing your home or have been affected by a disaster

hud.gov

Accessing Retirement Funds

The Memorial Hermann Retirement Savings Plans are designed to provide you with a measure of financial security during your retirement years. At the same time, we realize there may be times when you need access to the funds before retirement. There are several methods for accessing 403(b)/401(k) retirement funds while you are actively employed at Memorial Hermann. Contact the Fidelity Retirement Service Center at 800.343.0860 to explore these options.

When you’re struggling to make ends meet, keeping both you and your family safe and cared for can feel overwhelming. These resources can help you find child care, support older loved ones and keep your health in focus, even when times are difficult.

If you or someone you love is in crisis, the National Suicide Prevention Lifeline is available 24/7. Call 988 or text “Now” to 741-741.

MH Benefit or Community Resource

This Resource Can Help You…

Get Started

Child Care and Caregiving

Memorial Hermann Community Resource Centers

Find child care programs and related financial assistance

Find a Center

Bright Horizons

Access subsidized back-up care when your regular care plan falls through, plus access to tutoring and test prep resources

Bright Horizon benefits

Wellthy

Understand your options, explore payment resources and make informed decisions when caring for a child or an adult, plus parenting support resources

wellthy.com/memorialhermann or call 877.588.3917

State and Federal Child Care Programs

Explore ways to make child care more affordable, including government assistance, free or low-cost early childhood programs, provider scholarships/discounts and tax credits

childcare.gov

Family Caregiver Services by State

Identify programs and services to support your loved one, including government health and disability benefits

caregiver.org

YourMHBenefits – Moments That Matter

Navigate your next steps during meaningful moments such as welcoming a new child or caring for a loved one

Welcoming a New Child and Caring for a Loved One

Health and Well-being

Memorial Hermann Community Resource Centers

Learning about health, wellness and social services, and manage chronic diseases through educational opportunities and self-management workshops

Find a Center

Aetna (if enrolled in a Memorial Hermann medical plan)

Help understanding your benefits, available tools and where to go for care. Remember, in-network preventive care is covered at 100%

Aetna Concierge Member Advocate: 800.334.9778

Nurse Health Line: 713.338.4997

Learn more about your medical coverage

Memorial Hermann Employee Medical Clinics

Access free urgent care if you are enrolled in a Memorial Hermann medical plan. If you need testing outside of the clinic, you will incur charges based on your insurance coverage. All MH employees, their spouses and dependents age 18 and over have access to EMCs

Visit Employee Medical Clinics to learn more about cost, coverage and locations

Employee Assistance Program (Spring Health)

Access no-cost, confidential support from Spring Health, available to you and dependents age six and older

benefits.springhealth.com/memorialhermann or call 855.629.0554 (press 3). View additional Mental Health Benefits beyond the EAP.

Wellthy

Schedule medical appointments, preventive screenings and wellness visits

wellthy.com/memorialhermann or call 877.588.3917

Texas Health and Human Services

Explore health coverage and care resources for you and your family, including Medicaid, CHIP, women’s health services and caregiver support

hhs.texas.gov

State and Federal Programs

Find state and federal programs that support the health and well-being of children and families

hhs.gov

YourMHBenefits – Moments That Matter

Navigate your next steps during life’s expected or unexpected moments, such as a health event

Dealing With an Illness or Injury

When you feel like you’re running on empty, it can be difficult to look ahead. Today’s bills and responsibilities take up most of your attention, and planning for the future can feel out of reach. But small steps can make a difference.

When you’re ready, visit Starting Out to walk through building a budget, managing debt, reducing financial stress and saving for retirement.

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