by Karen M. Rosner
Medical debt is a burden that many people face, often without warning. Whether it’s an emergency surgery, a chronic condition, or life-saving treatments like transplants, the financial aftermath can quickly spiral out of control. I understand firsthand how overwhelming this can feel. After multiple heart surgeries and my own transplant journey, I navigated through $50,000 of debt—and it wasn’t easy. But through budgeting, planning, and support, I cleared that debt in 20 months. Now, I help others facing similar challenges take control of their finances, even in the most stressful times.
Here are some ways I help individuals and families tackle medical debt, reclaim peace of mind, and start moving toward financial freedom.
1. Open the Lines of Communication
It’s easy to ignore medical bills—many people leave them unopened, dreading what’s inside. I’ve been there myself, feeling overwhelmed by the endless notices and phone calls. But the first step is to face it. I encourage clients to open every letter and sort through the bills. Often, duplicates pile up, making the situation look worse than it really is. Once you have a clear picture, the debt becomes more manageable. It’s not about perfection; it’s about progress, one step at a time.
2. Creating a Personalized Budget
After sorting through the debt, it’s time to build a budget. I sit down with clients to outline their income, expenses, and debt payments. Budgeting gives clarity, helping you see where your money is going and how to prioritize your payments. We work together to ensure basic needs—like food and utilities—are met while developing a plan to chip away at the medical debt. Having lived through tough financial times myself, I know the relief that comes from knowing exactly where your money is going.
3. Advocating for Assistance and Negotiating Bills
Many hospitals and medical providers have financial aid programs available, but they don’t always advertise them. I guide clients to contact hospitals and ask about “indigent programs” or payment assistance options. Medical providers are often willing to negotiate, especially if the patient can demonstrate financial hardship. I empower clients with scripts and advice for these conversations to get the best outcomes.
Additionally, if collections agencies are involved, I help clients understand their rights and find ways to negotiate for reduced payments or extended terms. Getting on the phone with creditors isn’t easy, but I’m here to support you throughout the process.
4. Building an Emergency Fund
One of the most critical lessons I learned is the importance of having an emergency fund. Medical emergencies can strike without warning, and an emergency fund provides a cushion to handle unexpected expenses without adding to the debt pile. I work with clients to start building savings, even if it’s just $10 or $20 at a time. Every bit saved adds up, and it makes a world of difference when life throws the unexpected your way.
5. Providing Accountability and Encouragement
Facing medical debt can be isolating and it’s easy to feel stuck or ashamed. That’s where having an accountability partner comes in. I walk with clients every step of the way, celebrating their progress and encouraging them to stay on track. Accountability isn't about guilt—it's about having someone in your corner, cheering you on. Whether it’s celebrating the first bill paid off or adjusting the plan when life changes, I’m here to support you through it.
6. Focusing on Emotional Wellness
Debt isn't just a financial burden—it affects mental and emotional well-being too. Many of my clients struggle with anxiety, sleepless nights, and a sense of hopelessness. Having been through these dark moments myself, I know that emotional support is just as important as financial strategy. I offer a compassionate, judgment-free space where clients can talk openly about their challenges. We tackle both the numbers and the feelings that come with them.
7. The Power of Community
Being part of a supportive community can make all the difference when managing medical debt. Through my Facebook group, “Transplant Warriors: Navigating Finances Before and After Surgery,” I’ve created a space where people can connect, share tips, and offer encouragement. No one should have to go through this alone, and I’m proud to foster an environment where we lift each other up.
Let Me Help You Take Control of Your Medical Debt
If you’re struggling with medical bills, know that you’re not alone—and there’s a way forward. It starts with opening the mail, making a plan, and taking small steps toward freedom. I’m here to help you through every stage of the journey, from budgeting to negotiating with creditors to celebrating each victory along the way. Together, we’ll build a future where medical debt no longer controls your life.
Connect with Karen
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