A free clinic is a health care facility in the United States offering services to economically disadvantaged individuals for free or at a nominal cost. Core staff members may hold full-time paid positions, however, most of the staff a patient will encounter are volunteers drawn from the local medical community. Care is provided free of cost to persons who have limited incomes, no health insurance and do not qualify for Medicaid or Medicare. To offset costs, some clinics charge a nominal fee to those whose income is deemed sufficient to pay a fee. Many free clinics offer services to underinsured individuals; meaning those who have only limited medical coverage (such as catastrophic care coverage, but not regular coverage), or who have insurance, but their policies include high medical deductibles that they are unable to afford. Clinics often use the term “underinsured” to describe the working poor.