Advice on Prescription – turning financial advice into a health intervention
A simple idea with significant impact
What if a GP could refer someone for help with debt, housing, or income as easily as prescribing medication?
In Liverpool, that’s already happening and it’s improving wellbeing while reducing pressure on clinical services.
The challenge
Across Liverpool, many people attending GP appointments are dealing with more than medical issues. Financial insecurity, poor housing, debt and legal challenges are driving poor health and repeated contact with services.
While clinicians see this every day, they do not always have the capacity or specialist knowledge to address these underlying causes.
The approach
Advice on Prescription, led by Citizens Advice Liverpool, provides a universal offer of welfare advice to anyone registered with a Liverpool GP.
By embedding welfare advisors into primary care pathways, patients can be quickly referred for support with:
- Benefits and income
- Housing issues
- Debt and financial insecurity
- Social welfare law
This creates a consistent, accessible route into specialist support, delivered by trusted VCFSE organisations.
The impact
Independent evaluation by the University of Liverpool demonstrates the difference this approach makes.
Tracking outcomes for more than 500 people, the study found:
- Statistically significant improvements in mental wellbeing within eight weeks
- The greatest gains among people living in the most deprived communities
- Reduced stress and improved stability for patients
- Fewer repeat GP attendances for non-medical issues
The service is particularly effective at reaching individuals and families with the highest levels of need, including those experiencing poverty, poor housing, and financial insecurity.
By supporting people at critical life stages and addressing the wider determinants of health, Advice on Prescription demonstrates what is possible when poverty is treated as a health issue rather than a separate social problem.
The value
Advice on Prescription delivers both social and economic value.
The evaluation identified a Social Return on Investment of £3.40 to £4.69 for every £1 invested.
The service is also highly cost effective:
- Average service cost per person: £148.66
- Average social value generated per person: £505.70–£697.52
Alongside improving wellbeing, the model reduces pressure on primary care and mental health services by supporting people earlier and preventing issues from escalating.
This demonstrates how relatively small investments in VCFSE delivered early intervention can generate measurable value for both communities and the wider health system.
Why it works
A key strength of the model is its approach to data and insight.
High-quality information is captured on presenting needs, income gains, housing outcomes, and wellbeing changes. This provides commissioners with a clear picture of demand across the city and demonstrates how social interventions contribute directly to health outcomes.
Strong partnerships between Citizens Advice Liverpool and local health teams also ensure seamless referral pathways and effective feedback loops.
Why this matters
Advice on Prescription shows how the VCFSE sector can play a central role in improving health outcomes and reducing pressure on services.
It demonstrates that welfare advice is not just additional support, but a core health intervention that delivers measurable impact and value.