Do you have medical debt?
The Access Project’s Medical Debt Resolution Program may be able to help. We can provide you with information and proven strategies to advocate with medical providers, insurers, and public programs to resolve your medical debt. Please complete our online intake form and you will receive a response from our program within five to ten business days.
If you have a compelling story about past medical debt that has been resolved, please share it with us. Personal stories bring a face to this .....
Our Medical Debt Resolution Program also worked specifically with residents of Massachusetts around Chapter 58.
Between September 2006 and April 2008, The Access Project worked with nearly 200
The Access Project Testifies at Congressional Hearing on Medical Bankruptcy & Medical Debt
Mark Rukavina, Executive Director of The Access Project, testified on July 17, 2007 at the hearing "Working Families in Financial Crisis: Medical Debt and Bankruptcy" of the House Committee on the Judiciary Subcommittee on Commercial and Administrative Law. The hearing focused on medical debt as a contributor to personal bankruptcy. In his testimony, Mr. Rukavina described how the financial burden of health care costs sometimes results in medical debt. He presented information on the prevalence of medical debt, conveyed how it serves as a barrier to health care and explained how it tarnished people's credit He urged regulators to prevent involuntary medical debt from ruining people's credit reports and scores by prohibiting medical providers, and their agents, from reporting such debt to credit agencies.
You can build capacity within your own organization by using our Medical Debt Resolution Program training. For more information on our trainings, please contact Bill Loterro, Field Director at firstname.lastname@example.org.
Sites currently using the Medical Debt Resolution pathway.....
Iowa, Florida, others?
The Access Project has conducted extensive research on the link between medical debt and housing issues. Two of our reports are specific to this problem.
One report is specifc to the state of Missouri. In January and February 2005, a survey of working families in the
This report, Living in the Red: Medical Debt and Housing Security in
People with unaffordable medical bills are our neighbors, friends, and colleagues. They work hard to support their families and live in small towns, suburbs and big cities. Nonetheless, each of these individuals was unable to avoid the unforeseen illness or injury that disrupted their lives, caused medical debt, and created financial instability and housing problems. Most appalling, most of these folks had health insurance that failed to protect them from the immense costs of medical care.
Another significant finding was that many people who reported medical debt and subsequent housing problems had health insurance at the time the debt was incurred, suggesting that insurance, in many cases, is not fulfilling its basic purpose of protecting the insured from financial catastrophe. Home Sick details all of these findings, and lays out potential remedies for policy makers, health care providers, insurers and lenders.
Home Sick: How Medical Debt Undermines Housing Security
Teleconference Speakers’ Bios
Teleconference Speakers’ Statements
Resource List (people willing to grant interviews to the press in order to provide more background information.)
November 9th Conference Call Home Sick: How Medical Debt Undermines Housing Security
A discussion about the impact medical debt has on people's access to housing
In collaboration with Demos, The Access Project produced a report in January 2007 titled Borrowing to Stay Healthy documenting how low and middle income households are turning to credit cards to pay for medical care. The report findings are based on a national telephone survey of over 1,100 low and middle income households.
Report highlights include the finding that nearly one-third (29%) of respondents reported that medical expenses contributed to their current level of credit card debt. In households with medical debt, the average credit card debt was significantly higher (46%) that in those households without medical expenses as a contributing factor in their overall credit card debt.
While uninsured respondents had the highest levels of credit care debt, even respondents with health insurance were not shielded from the medical debt problem. These findings, combined with the industry trend of increasing deductibles and other out-of-pocket costs, call into question whether it is prudent to rely on borrowing as a method to pay for needed health care.