Within two years of North Carolina’s public university system going into business with AccessOne to finance patients’ payment plans, nearly half of its patients were in loans that charged interest. As federal scrutiny increases on lenders, KFF Health News is sharing that contract and others obtained through public records requests.
Doctors and hospitals hold an exalted position in American life, retaining public confidence even as other institutions such as government, law enforcement, and the media are losing people’s trust. But with health care debt out of hand, medical providers risk their good standing.
Kristie Fields, a cancer patient in Virginia, was urged to go public to seek financial help. She worried about feeding hurtful stereotypes.
The “Diabetes Belt,” as defined by the Centers for Disease Control and Prevention, comprises 644 mostly Southern counties where diabetes rates are high. Of those counties, KFF Health News and NPR found, more than half also have high levels of medical debt.
Americans paid an estimated $1 billion in deferred interest on medical debt in just three years, the Consumer Financial Protection Bureau reports. The agency warns against medical credit cards, which are often pitched right in doctors’ offices.
Medical debt in America pushes families to the edge. Ariane Buck and his wife, Samantha, were denied care at their doctor’s office because of an unpaid bill of less than $100. A trip to the emergency room added thousands of dollars to their health care debt, which topped $50,000 by the time they filed for bankruptcy.
Consumer and patient advocates push for new federal rules to protect Americans from debt collectors and force hospitals to make financial assistance more accessible.
Jeff and Kareen King joined a medical cost-sharing plan advertised as a “refreshing non-insurance approach” to paying for health care. It had a big proviso: Preexisting conditions like Jeff’s heart condition were not fully covered for the first two years. He needed heart surgery after just 16 months.
Emergency room care left Samaria Bradford with $5,000 in medical bills. Now she has to track down and pay that debt before she can hope to enlist in the military.
When Penelope Wingard’s cancer went into remission, she lost her Medicaid coverage in North Carolina. Without insurance, the debts piled up for her follow-up care. She doesn’t think she’ll ever get ahead of it.
