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Save money and feel better. New Study Shows that Medical bills underlie 60 percent of U.S. bankruptcies

Medical bills underlie 60 percent of U.S. bankruptcies: study

By Maggie Fox, Health and Science Editor – 1 hr 52 mins ago

WASHINGTON (Reuters) – Medical bills are involved in more than 60 percent of U.S. personal bankruptcies, an increase of 50 percent in just six years, U.S. researchers reported on Thursday.

More than 75 percent of these bankrupt families had health insurance but still were overwhelmed by their medical debts, the team at Harvard Law School, Harvard Medical School and Ohio University reported in the American Journal of Medicine.

"Using a conservative definition, 62.1 percent of all bankruptcies in 2007 were medical; 92 percent of these medical debtors had medical debts over $5,000, or 10 percent of pretax family income," the researchers wrote.

"Most medical debtors were well-educated, owned homes and had middle-class occupations."

The researchers, whose work was paid for by the Robert Wood Johnson Foundation, said the share of bankruptcies that could be blamed on medical problems rose by 50 percent from 2001 to 2007.

"Unless you're Warren Buffett, your family is just one serious illness away from bankruptcy," Harvard's Dr. David Himmelstein, an advocate for a single-payer health insurance program for the United States, said in a statement.

"For middle-class Americans, health insurance offers little protection," he added.

The United States is embarking on an overhaul of its healthcare system, which is now a patchwork of public programs such as Medicare and employer-sponsored health insurance that leaves 15 percent of the population -- 46 million people -- with no coverage.

About 170 million people get health insurance through an employer but President Barack Obama says soaring healthcare costs are hurting the economy and forcing businesses to drop medical insurance for their workers.

CANCELED COVERAGE

"Nationally, a quarter of firms cancel coverage immediately when an employee suffers a disabling illness; another quarter do so within a year," the report reads.

Obama told Congress on Wednesday he was open to making mandatory health insurance part of the overhaul but only with exemptions for the poor and for small businesses.

Neither Congress nor Obama are considering the kind of single-payer plan advocated by Himmelstein and his colleague Dr. Steffie Woolhandler.

"We need to rethink health reform," Woolhandler said. "Covering the uninsured isn't enough.

"Only single-payer national health insurance can make universal, comprehensive coverage affordable by saving the hundreds of billions we now waste on insurance overhead and bureaucracy."

The researchers surveyed 2,134 random families who filed for bankruptcy between January and April in 2007, before the current recession began.

They used public bankruptcy court records and survey 1,032 respondents by telephone.

While only 29 percent directly blamed medical bills for their bankruptcy, 62 percent had medical bills that totaled more than 10 percent of family income, said an illness was responsible, had lost income due to illness or some other medical factor.

"Among common diagnoses, nonstroke neurologic illnesses such as multiple sclerosis were associated with the highest out-of-pocket expenditures (mean $34,167), followed by diabetes ($26,971), injuries ($25,096), stroke ($23,380), mental illnesses ($23,178), and heart disease ($21,955)," the researchers wrote.

(Editing by Bill Trott)

In Memory of Johnny's Father

This picture was taken in 1997, when I went to my father's 50 Year Medical Reunion and assisted him in all of his activities. A little background on my father...he was born on 9 July 1912 in Muncie, Indiana. He attended local schools and after graduating from Muncie Central High he attended Kenyon College in Ohio, Rollins College in South Florida, and the University of Pennsylvania in Philadelphia and became an engineer. Later in his career, he graduated from Tulane Medical School during World War II and as a Naval Reserve officer he taught anatomy at Tulane for the war effort to train more doctors. He was a specialist in Tropical diseases and worked with the Hanson's disease clinic near New Orleans. Due to this interest he was part of the consortium who was working to develop antibiotics such as sulfa and penicillin which would change the treatment of many infections as well as Hanson's disease. It was paramount to the treatment of the war wounded as well.

Going to his reunion and meeting his class mates, I was associating with such medical legends as Drs. Alton Oscher, Leon Meier, Flora Finch, Bob Brown, Michael DeBakey, Dr. Herbert, Dr. F. Marascalco and many others. Dr. Michael de Bakey you may remember is the famous Houston Heart Surgeon who operated on Boris Yelson's heart; which was a very successful operation. Bob Brown is not only an excellent Doctor, but he also was one of the New York Yankee's better baseball players during 1948 and 1949. All are Tulane graduates in my Dad's class or they had Interned with him.

After graduation he worked with Dr. Oscher in the Touro Infirmary and was recognized as intern of the year and later was offered a position in the clinic that Dr. Oscher was starting in New Orleans after the war. Instead my father chose to go to Fort Walton Beach in Northwest Florida and open a general practice as that area had no medical care at the time. This was front-line medicine dealing with all manner of treatment outside his office including house calls. Working with the local Congressman Bob Sikes they established a small hospital and attracted more doctors to the area. He was the doctor of record and call when US presidents came to visit the many armed forces bases in the area. He sat on the Florida medical exam board as well as being the head of the State Board of Health for some time. In the early 1970s he retired from medical practice.

In Memory of Johnny's Mother

This picture was taken in 1955 when my Mom (Eugenia) and I were at our Family Reunion. Eugenia Annie Mae Rudulph Maxon 1917- 1973 was born on the 9th of June 1917 in Selma, Alabama to Burwell Blount Rudulph and his 2nd wife, Caroline Caffey Rudulph. This was his 7th daughter and the first child of Caroline. Three of his daughters and his 1st wife died of scarlet fever during the epidemic that spread across the country.

Eugenia grew up at Cloverdale, the family place in Lowdnes county, near Hayneville Alabama that had been in the family since 1834. She was sent to De Funiak Springs to Palmer High school, a part of the Chataqua Movement at the time. She graduated from Wheaton College in Chicago in June of 1938 with a degree in British Literature. Her classmate and good friend was to become the famous Billy Graham. She married Robert von Purucker Maxon at the First Baptist Church In Montgomery Alabama on 25 June 1938.

For several years in the early 1970's she had been battling different cancers. We were together in London in 1973 and while going through the subway turn-style she hit her right side that released toxins in her liver that took her life very shortly within days. I loved my mother very much, but I must say over and over again I am reminded throughout my whole life of the importance of good liver health.