Piles and piles of bills mounted in front of Krishale Fitzgerald, but that wasn’t what was at the top of her mind. Her neurofibrosarcoma, a cancer of the material that insulates nerves, had metastasized twice in two years, resulting in expensive surgeries and treatments, and her inability to work. Even though Fitzgerald had insurance, “just to survive I had to choose where I spent my money, and credit card bills and medical bills became the last thing on my priority list,” she says. To get the calls, letters and legal judgments to stop, she decided to file for bankruptcy. If you live in the United States, you likely spend more on health care than you would if you lived in Switzerland or Canada or any other developed country. But what if you have a condition that requires intensive, long-term care and instead of spending the average $10,000 a year, you have to spend $30,000 or $60,000 or more? And what if you can’t afford to? The percentage of Americans who are uninsured reached a four-year high recently, with nearly 14 percent of adults saying they have no coverage. But health insurance doesn’t protect against illness; it doesn’t even ensure you’ll get the treatment you need. In fact, in a recent study of people with metastatic breast cancer, nearly half had been pursued by debt collectors -- including approximately one-third of patients with insurance. |