The toll of mounting medical debt can be financially and emotionally crippling for families already reeling from the devastation from illness or injury.
It’s a struggle Robyn King of Ohio knows about personally.
“It’s something that affects thousands of thousands of people in this country every year and I know firsthand that the consequences of these burdens can be debilitating,” King told a Senate committee this week. “There’s just no excuse for this in America.”
King and her siblings placed their mother in a nursing home to receive care for Alzheimer’s and King said she served as her mom’s representative throughout the process.
Social security and Medicaid had been covering the cost, but King said the Medicaid coverage lapsed without her knowing, despite King filling out forms to keep the coverage in place.
King said she only learned the coverage had run out shortly before her mom died and she was told she was on the hook for the bill.
“I received notice I was being sued by the nursing home for close to $80,000,” said King. “I never had time to grieve.”
King said she never agreed to cover any expenses in the first place.
“I did not agree to be personally liable if finances for my mom’s medical care ran out,” said King. “I have a household of my own to take care of and I knew I couldn’t afford to pay any nursing home for my mom’s medical expenses.”
King said she got help from the Legal Aid Society of Cleveland.
She said while she is no longer personally responsible for the bill, the nursing home is still going after her late mom’s assets.
“The nursing home is still pursuing my mom’s estate for what is owed so it’s still impacting my life,” said King.
King shared her story with members of Congress this week who also heard from health care policy experts who pointed to an underlying cause of medical debt: the cost of medical care.
“It’s important to keep your eye on the ball,” said David Hyman, a professor of health law and policy at Georgetown University Law Center. “The ball here is high healthcare costs.”
This month, the three major credit agencies announced most medical debt will be removed from credit reports starting in July.
It’s a move that has lawmakers divided.
“Anyone can get sick,” said Sen. Sherrod Brown (D-Ohio). “Anyone can get in a car accident… No one should be harassed by shady debt collectors because of a medical emergency or a sick family member.”
“This new credit reporting agency policy doesn’t actually lower the cost of medical care,” said Sen. Pat Toomey (R-Penn.) “In fact, it’ll either raise costs or reduce access. It may end up discouraging people from paying medical bills.”
Congress did pass bipartisan legislation last year to end surprise medical bills.
Advocates for healthcare policy change said while these steps can help families, more still needs to be done.
“There must be a better way to take care of each other and not leave people like me facing life-changing amounts of debt,” said King.
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