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The devastation caused by the COVID-19 pandemic has exposed years of cyclic inequalities faced by disadvantaged and minority communities. Unequal access to healthcare and a lack of financial resources further exacerbates their suffering, especially during a pandemic. In such critical conditions, information technology-based healthcare services can be an efficient way of increasing access to healthcare for these communities. In this paper, we put forward a decision model for guiding the distribution of IT-based healthcare services for racial minorities. We augment the Health Belief Model by adding financial and technology beliefs. We posit that financial inclusion of minority populations increases their ability to access technology and, by extension, IT-based healthcare services. Financial inclusion and the use of secure private technologies like federated learning can indeed enable greater access to healthcare services for minorities. Therefore, we incorporate financial, health, and technology tools to develop a model for equitable delivery of healthcare services and test its applicability in different use-case scenarios.