Family impacted by medical debt finds support from Labcorp partnership with the UnitedHealthcare Children's Foundation (2024)

A partnership with the UnitedHealthcare Children’s Foundation (UHCCF)

Healthcare-related debt is an all-too-common barrier to equitable healthcare-one that the UnitedHealthcare Children's Foundation (UHCCF) strives to break. Since 2007, UHCCF has awarded 30,000 grants valued at 62.2 ドル million to children and their families across the U.S. for medical expenses not covered, or not fully covered, by a family's commercial health insurance.

For the last decade, Labcorp has supported UHCCF’s mission through a variety of sponsorships and fundraising events, both local and national, making it the single largest partner of the Foundation in the diagnostics industry.

Jon Hassler, a senior policy and payer relations analyst at Labcorp, has seen the impact that this partnership, and the support that UHCCF lends, can have on families—including his own.

An unexpected diagnosis

    When Jon’s daughter, Anna Kate, was born, she came into the world with a mysterious, large patch on the side of her head. The patch turned out to be a congenital nevus, a pigmented birthmark that occurs in approximately 1% to 2% of the population.1

    While most congenital nevi usually don’t cause health issues, a small percentage may develop into skin cancer later in life1—a chance that Jon and his family did not want to take. Plus, as Anna Kate grew from a newborn to a toddler, she’d started having seizures every couple of months (a possible symptom of certain types of congenital nevi).2

    “Obviously, we were wondering what was causing all of this,” explained Jon. After weighing their options, he said they ultimately decided to remove the congenital nevus when Anna Kate was around 2 years old.

    However, in order to remove the nevus, the procedure required the use of saline expanders to stretch out Anna Kate's skin first. "For about two or three months, her head was just growing," explained Jon. "She had to go to the doctor once a week to get the saline pumped in to stretch her skin. It was pretty painful."

    Between the doctor visits for the saline expanders and the surgery to remove the congenital nevus, “the whole process was very expensive,” said Jon. Although some of the costs for the treatment were covered by the family's health insurance, there were still significant costs the family would have to pay themselves.

    To help cover some of the costs, Jon and his family applied for a medical grant from UHCCF. "We originally found out about UHCCF from somebody in our church who works for UnitedHealthcare," shared Jon. "They knew a little bit about the Foundation and walked us through the application process."

    Though Jon and his family expected to have to “jump through tons of hoops” to get approved for a grant, they were pleasantly surprised by how few barriers there were in the process and how supported they felt by UHCCF along the way.

    “Whether it’s a surgery like Anna Kate’s, or even a medical device like cochlear implants for your child, UHCCF can really help people,” said Jon.

    Key Takeaways

    • Since 2007, UHCCF has awarded 30,000 grants valued at 62.2 ドル million to children and their families across the U.S.
    • Labcorp is the single largest partner of UHCCF in the diagnostics industry, supporting the Foundation’s mission through sponsorships and fundraising events at both local and national levels
    • Jon Hassler, a senior policy and payer relations analyst at Labcorp, has seen the impact that Labcorp’s partnership with UHCCF can have on families—including his own

    "Whether it's a surgery like Anna Kate's, over even a medical device like cochlear implants for your child, UHCCF can really help people."

    -Jon Hassler, senior policy and payer relations analyst, Labcorp

    One door closes, another opens

    While Anna Kate’s surgery was successful in removing her congenital nevus, she experienced another seizure about six months later.

    “We started pushing her doctors for an MRI to make sure everything was OK,” said Jon. “They came back to us with good news and bad news.”

    The good news: The congenital nevus wasn’t affecting Anna Kate’s brain.

    The bad news: Her doctors had diagnosed her with a different condition: Chiari malformation, a condition in which brain tissue extends into the spinal canal.3 The severity of Chiari malformation varies from person to person, but in Anna Kate’s case, the malformation had caused a cyst to develop within her spinal column—an issue that could lead to paralysis in the long term.

    "It's basically a slow-growing spinal injury," explained Jon. "Some people who develop a cyst in the spinal column can't walk; others lose their sense of taste. It just depends on where exactly that cyst is in the spinal column and what it's impacting."

    Around age 5, Anna Kate underwent surgery to remove a part of her brain that was causing the cyst—another costly medical procedure.

    “At first, we were not aware that we could apply for another grant from UHCCF,” said Jon. “But the same friend who urged us to apply the first time informed us that you can get multiple grants—as long as you don’t exceed the lifetime maximum (10 000 ドル per child)4—and encouraged us to apply again.”

    Though Jon and his family felt “more comfortable” with the application process the second time around, he admitted that they were still unsure about whether they’d really receive another grant.

    “Even though we have health insurance, brain surgery can still cost a ton of money out of pocket,” said Jon.

    Within a few weeks, the Hasslers were approved for another medical grant. "UHCCF came at the right time and helped us avoid being catastrophically impacted by the finances of our situation," shared Jon.

    Finding community in unexpected places

    Today, Anna Kate is 10 years old and back to being a kid.

    She’ll always have to keep an eye on the Chiari malformation in her brain, said Jon, as the condition can sometimes require more surgeries later in life.5

    Regardless of what happens, Jon knows that UHCCF is in his corner to support him and his family.

    “When you’re a parent—particularly a young parent—you sometimes feel lost,” shared Jon. “You have your family and friends, but you can still feel alone in the process, especially when it comes to dealing with health issues like this with your kids.”

    For Jon and his family, the support they received from UHCCF was more than just financial. "Our whole experience with the organization has made us feel cared for," he said. "UHCCF would check in with us throughout the process, asking how Anna Kate is doing and whether we need anything. They really were invested in us as a support system, both financially and emotionally."

    Plus, a few months after Anna Kate’s second surgery, the Hassler family was invited to a bike race fundraising event for UHCCF, where they not only received “VIP treatment” (including gift packs and lunchboxes filled with snacks and toys for the kids), but also had the unexpected opportunity to meet another family who’d also received a grant from the Foundation for their child.

    “We all shared our experiences with UHCCF to show where the fundraising money goes and how it impacts families,” said Jon. “It was a great opportunity to connect with people who’d experienced something similar and support one another in our respective journeys.”

    Motivated by the shared belief that equitable healthcare starts with healthy families, UHCCF’s partnership with Labcorp eases the burden that medical debt can place on families like the Hasslers.

    “Every parent wants their child to have every advantage possible,” said Jon. Thanks to UHCCF, that’s exactly what Anna Kate has now."

    Learn more about the initiatives we are leading to drive change within the communities we serve across the country and around the globe and the impact they are making on our communities at https://www.labcorp.com/access.

    References:

    1. Children's Hospital of Philadelphia. Congenital Nevus (Mole). chop.edu. Accessed January 1, 2023. https://www.chop.edu/conditions-diseases/congenital-nevus-mole
    2. National Organization for Rare Disorders. Giant Congenital Melanocytic Nevus. rarediseases.org. Accessed January 1, 2023. https://rarediseases.org/rare-diseases/giant-congenital-melanocytic-nevus/
    3. Mayo Clinic. Chiari malformation. mayoclinic.org. Accessed January 1, 2023. https://www.mayoclinic.org/diseases-conditions/chiari-malformation/symptoms-causes/syc-20354010
    4. United Healthcare Children's Foundation. Helping Kids, Changing Lives. uhccf.org. Accessed January 1, 2023. https://www.uhccf.org/wp-content/uploads/2021/11/UHCCF-Grant-Brochure-September-2020.pdf
    5. National Institute of Neurological Disorders and Stroke. Chiari Malformation Fact Sheet. ninds.nih.gov. Accessed January 1, 2023. https://www.ninds.nih.gov/chiari-malformation-fact-sheet
    Family impacted by medical debt finds support from Labcorp partnership with the UnitedHealthcare Children's Foundation (2024)

    FAQs

    Family impacted by medical debt finds support from Labcorp partnership with the UnitedHealthcare Children's Foundation? ›

    Motivated by the shared belief that equitable healthcare starts with healthy families, UHCCF's partnership with Labcorp eases the burden that medical debt can place on families like the Hasslers. “Every parent wants their child to have every advantage possible,” said Jon.

    How does medical debt affect people? ›

    KFF polling shows that people with medical debt report cutting spending on food, clothing, and other household items, spending down their savings to pay for medical bills, borrowing money from friends or family members, or taking on additional debts.

    What is the national medical debt? ›

    This analysis of government data estimates that people in the United States owe at least $220 billion in medical debt. Approximately 14 million people (6% of adults) in the U.S. owe over $1,000 in medical debt and about 3 million people (1% of adults) owe medical debt of more than $10,000.

    What is the average medical debt in the US? ›

    The average medical balance on credit reports increased from $2,000 to over $3,100: The credit reporting changes primarily removed smaller balances. As a result, the average balance of the remaining reported medical bills increased.

    Why do people pay medical bills? ›

    Two-thirds of medical debts are the result of a one-time or short-term medical expense arising from an acute medical need. Unlike many other consumer debts, people rarely plan to take on medical debt. For example, you might get into a car accident and end up in an emergency room.

    Can medical debt be forgiven? ›

    Generally, medical debt forgiveness is based on your income, household size and other factors. You can contact your medical provider for more specific qualification requirements. Typically, hospitals and other health care providers will work with you to reduce your debt.

    How long does medical debt stay on a credit report? ›

    Medical debt collections have to come off your reports if you or your health insurance company pays up. Only unpaid medical collections with a starting balance of $500 or higher will show up on your reports, where they'll stay until they're paid or for seven years.

    Which states have the highest medical debt? ›

    Zoom in: South Dakota (17.7%), Mississippi (15.2%), North Carolina (13.4%), West Virginia (13.3%) and Georgia (12.7%) had the highest shares of adults with medical debt on average between 2019-2021. During that time, West Virginia was the only one of those states with expanded Medicaid coverage for low-income adults.

    What happens if you can't afford healthcare in America? ›

    In a worst-case scenario, you could be sued and have your wages garnished. You might even be forced into bankruptcy. The Commonwealth Fund's 2023 Health Care Affordability Survey found that 38% of people surveyed said they delayed or skipped needed healthcare or prescription drugs because they couldn't afford it.

    Who is most likely to have medical debt? ›

    Medical debt is more common for some types of people: women were more likely to report medical debt than men; younger adults (ages 18 to 24) and older adults (55 and older) were less likely to report medical debt than adults aged 25 to 54; adults without health insurance were more likely to report medical debt than ...

    How many Americans can't pay medical bills? ›

    If you add in the 7 million elderly adults who are also dealing with these issues, a total of 79 million Americans have medical bill or debt problems. As reported in Losing Ground: How the Loss of Adequate Health Insurance Is Burdening Working Families, problems accessing and affording needed care are widespread.

    How many bankruptcies are caused by medical bills? ›

    About 66.5% of bankruptcies are caused by medical debt, or about 530,000 cases a year. Should I worry about my medical bills in collections? While it's always a good practice to pay for a service you used, medical bills won't show up on your credit report if the bill is less than $500 or less than a year old.

    What is the number one cause of bankruptcies in America? ›

    Job loss, medical expenses, and escalating mortgage payments are among the common reasons people file for bankruptcy.

    What happens if you don't pay your medical bills in us? ›

    When a medical debt goes unpaid, the health care provider can assign it to a debt collection agency. In a worst-case scenario, you could be sued for unpaid medical bills. If you lose the case, a creditor or debt collector could then take action to levy your bank account or garnish your wages to obtain payment.

    Why are medical bills so expensive even with insurance? ›

    There are many factors that contribute to the high cost of healthcare in the country. These include wasteful systems, rising drug costs, medical professional salaries, profit-driven healthcare centers, the type of medical practices, and health-related pricing.

    Is it a HIPAA violation to send medical debt to collections? ›

    The HIPAA Privacy Rule also applies to medical debt collection. The HIPAA Privacy Rule protects the confidentiality of patients' health information. This means that debt collectors cannot disclose a patient's medical information without their consent, even if they are owed money.

    How does debt impact health? ›

    There's a strong link between debt and poor mental health. People with debt are more likely to face common mental health issues, such as prolonged stress, depression, and anxiety. Debt can affect your physical well-being, too. This is especially true if the stigma of debt is keeping you from asking for help.

    How does debt impact Americans' quality of life? ›

    It can cause anxiety, depression, and mental illness. It can cause a host of physical health problems. It can lead to debt denial. Addressing your debt problem can alleviate many of these effects.

    What impact does bad debt have on healthcare organizations in general? ›

    Bad debt can be a major financial burden for healthcare providers, as it can often be difficult or impossible to collect. One of the most significant causes of bad debt is the increasing cost of patient financial responsibility.

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