What happens if you don’t pay a hospital bill? – The Atlantic

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“On March 8, 2011, Joclyn Krevat, an occupational therapist in New York, was sitting at her computer when she received a most unusual LinkedIn request,” Olga Khazan writes over at The Atlantic. “The wording was the familiar: ‘I’d like to add you to my professional network.’ The sender was familiar, too, but not for the reason Krevat expected. It was from a debt collector.  Karen Pollack, the head of a debt-collections practice called KP Recovery Solutions, had been trying to collect on some medical bills Krevat had recently incurred for a heart transplant. Krevat’s debts, which were reviewed by The Atlantic, made up plot points in the worst kind of American health-care horror story. In December 2009, Krevat, who was 32 at the time, thought she was coming down with the flu. Instead, she was admitted to the hospital and diagnosed with giant cell myocarditis, a severe inflammatory heart disease that can lead to heart failure. After seven weeks on life support, a heart became available, and she had a transplant. For a year afterward, she wasn’t able to return to work. Krevat’s husband was a teacher, and Krevat had good insurance through him. But some of the doctors who treated her turned out to be out-of-network—a situation she couldn’t control, because she did not know when a new heart would become available. She estimates that if she had paid every bill that was sent to her, the total would have been about $50,000. … Krevat’s bills were just a drop in the American medical-debt ocean. About 43 million Americans have unpaid medical debt dinging their credit, and half of all overdue debt on Americans’ credit reports is from medical expenses, according to a Consumer Financial Protection Bureau study from 2014. The debt typically comes from out-of-network doctors who people thought were in-network, hospital stays, or ambulance rides. About one in six Americans received a surprise out-of-network medical bill in 2017 after being treated in a hospital, even though they had insurance, according to Kaiser Health News.” Olga Khazan, “What Happens If You Don’t Pay a Hospital Bill?” The Atlantic.