When Janet Fredrick got breast cancer in 1998, she never thought she would face bankruptcy because of medical bills: She had insurance.
But her illness dragged out, then her income plunged when she went on disability. By 2005, her co-payments for treatment, including surgery, medications, doctor visits and hospital care, totaled about $8,000.
Such co-payments and deductibles, along with difficult-to-understand policies and complex hospital billing issues, are among the main reasons even people such as Fredrick who have health insurance can face devastating financial costs, says a report out today from The Access Project, an advocacy group that researches medical debt.
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This argues for significant health care reform.
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