New regulations allow RIP to buy loans directly from hospitals, instead of just on the secondary market, expanding its access to the debt. The nonprofit has boomed during the pandemic, freeing patients of medical debt, thousands of people at a time. Linkle uses her body to pay her debt for a. RIP bestows its blessings randomly. "So nobody can come to us, raise their hand, and say, 'I'd like you to relieve my debt, '" she says. Some hospitals say they want to alleviate that destructive cycle for their patients.
However, consumers often take out second mortgages or credit cards to pay for medical services. RIP is one of the only ways patients can get immediate relief from such debt, says Jim Branscome, a major donor. Sesso says it just depends on which hospitals' debts are available for purchase. "We prefer the hospitals reduce the need for our work at the back end, " she says. The pandemic, Branscome adds, exacerbated all of that. "I would say hospitals are open to feedback, but they also are a little bit blind to just how poorly some of their financial assistance approaches are working out. Most hospitals in the country are nonprofit and in exchange for that tax status are required to offer community benefit programs, including what's often called "charity care. Linkle uses her body to pay her debt clock. " Terri Logan says no one mentioned charity care or financial assistance programs to her when she gave birth. Ultimately, that's a far better outcome, she says. We want to talk to every hospital that's interested in retiring debt. One criticism of RIP's approach has been that it isn't preventive; the group swoops in after what can be years of financial stress and wrecked credit scores that have damaged patients' chances of renting apartments or securing car loans. RIP CEO Sesso says the group is advising hospitals on how to improve their internal financial systems so they better screen patients eligible for charity care — in essence, preventing people from incurring debt in the first place. Eventually, they realized they were in a unique position to help people and switched gears from debt collection to philanthropy. Yet RIP is expanding the pool of those eligible for relief.
Soon after giving birth to a daughter two months premature, Terri Logan received a bill from the hospital. A surge in recent donations — from college students to philanthropist MacKenzie Scott, who gave $50 million in late 2020 — is fueling RIP's expansion. The "pandemic has made it simply much more difficult for people running up incredible medical bills that aren't covered, " Branscome says. Sesso emphasizes that RIP's growing business is nothing to celebrate. "They would have conversations with people on the phone, and they would understand and have better insights into the struggles people were challenged with, " says Allison Sesso, RIP's CEO. Depending on the hospital, these programs cut costs for patients who earn as much as two to three times the federal poverty level. She had panic attacks, including "pain that shoots up the left side of your body and makes you feel like you're about to have an aneurysm and you're going to pass out, " she recalls. Logan's newfound freedom from medical debt is reviving a long-dormant dream to sing on stage. Logan, who was a high school math teacher in Georgia, shoved it aside and ignored subsequent bills. Linkle uses her body to pay her debt to pay. She was a single mom who knew she had no way to pay. Sesso says the group is constantly looking for new debt to buy from hospitals: "Call us!
It means that millions of people have fallen victim to a U. S. insurance and health care system that's simply too expensive and too complex for most people to navigate. Now a single mother of two, she describes the strain of living with debt hanging over her head. Sesso said that with inflation and job losses stressing more families, the group now buys delinquent debt for those who make as much as four times the federal poverty level, up from twice the poverty level. Plus, she says, "it's likely that that debt would not have been collected anyway. The group says retiring $100 in debt costs an average of $1. The debt shadowed her, darkening her spirits. But many eligible patients never find out about charity care — or aren't told. He is a longtime advocate for the poor in Appalachia, where he grew up and where he says chronic disease makes medical debt much worse. Recently, RIP started trying to change that, too.
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