Another Reason Your Credit Score May Hurt You

Some hospitals are now using medical credit scoring to assess uninsured patients seeking treatment Photo: <a href="http://www.flickr.com/photos/beglendc/343381668/">David Boyle (flickr)</a>
Some hospitals are now using medical credit scoring to assess uninsured patients seeking treatment Photo: David Boyle (flickr)

Don’t be surprised if the next time you go to a hospital, your credit scores, 401(k) balances and credit-card limits are examined before you are.

BusinessWeek reports that hospitals are looking at credit lines of uninsured patients to determine whether or not they will receive free or discounted care. And this “wallet biopsy” appears to hurt people with little or no insurance who may have very poor or very good credit.

If a patient's credit report is poor, hospital administrators may assume they are not likely to pay their medical bills and refuse to treat them. Yet patients who fall below the poverty line but who have good credit or enough assets may be considered financially stable enough to pay for their own procedures.

For example, Jacqueline Evans from Illinois was denied free or discounted care for an X-ray of her chronically painful back because her Visa card carried a $1,800 line of credit, even though her annual income of $6,500 made her eligible for charity care.

BusinessWeek also spoke to others ensnared by the new credit screenings, like Evelyn Leonard, a cafeteria worker from Florida. A Daytona Beach health center refused to give her radiation treatment after suggesting she use her 401(k) to help pay for the test.

The new screenings, in light of the current economic crisis, mean the currently 47 million uninsured Americans face another barrier to medical access.

Comments

in USA

It's an another oppressive

It's an another oppressive and discriminative method for medical institutions. Again, it simply demonstrates how health care has become a privilege instead of a right. The medical industry remains to be a business first, before a humanitarian service. It's a sad plight for our fellows who have lesser in life.

Emily

in INDIA

Another Reason Your Credit Score May Hurt You

When you open an online savings account they check your credit score. If they don’t like it or cannot find it, they can deny you one. FNBO Direct refused my friend’s request to open an account because they couldn’t match her name to her credit score. She had just married and changed her name… But instead of asking her, they just told her “Your credit score is bad” (actually, it was excellent, but the name mismatch somehow got translated into bad score by their program). She had a similar problem in a brick and mortar bank when she tried to open a CD, but the bank let her show them her marriage certificate. When she called FNBO direct they didn’t care, they just said - your credit is bad.

In fact, online banks aren’t the only ones that run your credit when opening an account. Brick and mortar banks have been known to do this as well. As for why a missing credit score would be interpreted as bad… If they’re concerned enough to check, then they’ll assume the worst unless they can find evidence to the contrary (i.e., guilty until proven innocent).

I have to respectfully disagree with the advice of maintaining a good FICO score, because the FICO Score is simply a measurement of debt. The entire concept is a bill of goods sold to us by the banking industry.

All it does is tells you how big of a debt addict you are and how good you are at making minimum payments by measuring things like past debt payment/load, current debt paymants/load, number of open credit accounts, new debt taken on, etc.

All of the issues your readers are facing with utilities, online banking, rental deposits etc., can be solved by eliminating debt and saving up a little cash.

In my humble opinion, the smartest FICO score a person can have is: 0

in INDIA

It's an another oppressive

let me share this good work as well

Two ophthalmologists have received the American Academy of Ophthalmology’s Outstanding Humanitarian Service Award, presented November 9 at the Academy’s 2008 Joint Meeting, held in Atlanta.

Devin A. Harrison, MD, and Geoffrey C. Tabin, MD were recognized for their participation in charitable activities, indigent care, community service and humanitarian activities in providing services to the poor and needy populations around the world.

"Dr. Harrison and Dr. Tabin have made important contributions towards the lives of those who do not have access to quality healthcare," said David W. Parke II, MD, president of the Academy. "We are proud to honor these two individuals for their dedication to preventing blindness in developing nations."

Nigerian Mission

Dr. Harrison worked in Nigeria for more than two years, performing surgery and training local doctors. He spent his first year working in Kano at the ECWA Eye Hospital, an established mission eye hospital that was part of a training program for African ophthalmologists.

For the second year, Dr. Harrison and his family moved to Jos to start a new eye clinic with Dr. Lass, one of the Nigerian resident physicians he had trained. Together, Drs. Harrison and Lass established a clinic and surgery center and trained staff and nurses. The volume started small but eventually became busier, doing 20 to 30 and more cases per week.

One of Dr. Harrison’s most memorable trips from Jos was to the small village of Dakka where he met Rikki, a Danish nurse who had spent her career working in Nigeria and started a small clinic. Rikki asked Dr. Harrison to treat some of her long-distance patients who had cataracts. Soon Dr. Harrison, along with a nurse, traveled on a challenging mission to Dakka where they performed a number of cataract surgeries. The village was remote with no electricity and only a small portable generator to run the operating microscope and cautery.

Working in Nigeria presented risks for Dr. Harrison and his family. He was the victim of an armed robbery as was the hospital compound where he and his family lived. It was a daily concern for him and his family to avoid tragic diseases and sickness but despite the risks, Dr. Harrison found the work in Nigeria to be rewarding and challenging.

Himalayan Cataract Project (HCP)

Dr. Tabin has focused the majority of his career on preventing blindness internationally and has put all of his passion and expertise into the Himalayan Cataract Project (HCP), which he co-founded in 1995.

HCP is a nonprofit organization committed to eradicating preventable and curable blindness through high-quality ophthalmic care, education and the establishment of a world-class eye care center. In addition to restoring sight through surgery and care, HCP also created a sustainable system for eye care delivery by teaching local surgeons and their assistants to organize and perform modern cataract surgery.

While working full time as a corneal specialist at the University of Vermont, Dr. Tabin managed day-to-day operations of the Himalayan project in addition to his practice in Vermont, traveling to the Himalayas, arranging for training opportunities for international doctors and placing medical students and residents for electives abroad. Training at the project involves both hospital-based delivery techniques as well as outreach techniques. At the hospital they were able to employ modern cataract surgery technique that was both effective and non-expensive.

In 2006, HCP began working in Ghana, training local ophthalmologists and ophthalmic assistants in modern cataract surgery. Following that training, a team from Ghana trained at the Tilganga Eye Centre in Nepal. Subsequent to these initial trainings, local ophthalmologists have organized and carried out remote eye camps in their respective regions. With this training they are able to bring care to areas where it was previously unavailable. In 2007, Dr. Tabin and HCP partnered with The Earth Institute’s Millennium Villages Project (MVP) to provide comprehensive eye care in each of the Millennium Research Villages.

Later Dr. Tabin led a team, in conjunction with local ophthalmologists from Kumasi, Ghana, conducting an eye care intervention in the village of Bonsaaso, Ghana. During the intervention, 4,600 people were screened, 160 cataract surgeries were performed and approximately 1,100 pairs of glasses were distributed.

House Bill 1292

It is really sad to hear that credit score could really harm us. Funny, yes but it’s true that there are hospitals who will check first your credit card report if you can afford to pay the hospital bills. Not just that, there are also some credit card companies who are trying to blacklist a credit card holder just like Kevin Johnson who was blacklisted by the American Express because of shopping at Wal Mart and almost ruined his credit scores. Ironic wasn’t it that these credit card companies will tell you where to shop. With regards to this issue that the Congress is working on the House Bill 1292 aiming of blacklist prevention pertaining to credit card companies and refer to it as a form of discrimination. House Bill 1292 would stop this kind of discrimination. We should support House Bill 1292 or be a victim of it.

Post new comment

Your email address is kept private and will not be shown publicly.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <code> <ul> <ol> <li> <dl> <dt> <dd> <img> <blockquote>
  • Lines and paragraphs break automatically.

More information about formatting options

By submitting this form, you accept the Mollom privacy policy.

Stories We're Watching

More African nations hit agricultural investment target

Science and Development Network - Wed, 05/16/2012 - 10:45
Five more African countries have met the Maputo Declaration goal of investing ten per cent of their national budgets in agriculture.

How research for agricultural innovation works best

Science and Development Network - Wed, 05/16/2012 - 10:25
Farming projects must be able to access research at any point along the innovation trajectory, say Rasheed Sulaiman V. and colleagues.

Pakistan needs a new crop forecasting system

Science and Development Network - Wed, 05/16/2012 - 03:48
Pakistan urgently needs to refine its crop yield forecasting and estimation system to improve food production, says Ibrar ul Hassan Akhtar.

A developing world of debt

The Guardian's Poverty Matters - Wed, 05/16/2012 - 03:00
More than a decade after the cancellation of billions of dollars of debt, developing countries owe $4tn … and counting.

Migrants: An Economic Force in Tajikistan

Economists usually enjoy working on economic data and writing up reports. But Sudharshan Canagarajah also likes giving conventional economic thinking a nudge — in this case, on migration.

Recent comments

Countries

An initiative of Mercy Corps
“You must be the change
you wish to see in the world”
Mahatma Gandhi
Learn more about Mercy Corps >

Efficiency

Over the last five years, more than 89% of Mercy Corps' resources have been allocated directly to programs

Excellence

America's premier charity evaluator gives Mercy Corps four stars in organizational efficiency. Click here to learn more.

High Value

Every dollar you donate to Mercy Corps helps us secure $11.16 in donated food and other critical supplies.

Mercy Corps — Dept. W — 45 SW Ankeny — Portland, OR 97204
All original content Copyright © 2009 Mercy Corps. Quoted and linked content is property of the creator(s). Mercy Corps will not sell, rent or trade your personal information.