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Mark Rukavina

Contributor |  In Managing Debt, Personal Finance

Mark Rukavina holds an MBA from Babson College and is a principal at Community Health Advisors, LLC. Community Health Advisors assists hospitals in developing policies that comply with new regulatory requirements on financial assistance, billing and collection issues. He serves on the HFMA/ACA Medical Debt Task Force and the HFMA Price Transparency Task Force. Mark previously served as director of The Access Project, a national research and advocacy organization, and is a recognized expert on healthcare affordability and medical debt. He has testified before U.S. Congressional committees, published research and policy briefs and regularly speaks on issues related to healthcare affordability presenting a unique perspective on these issues based on his direct work with consumers and policy expertise.

Can I Stop My Bill From Being Sent to Collections?

Managing Debt

Can I Stop My Bill From Being Sent to Collections?

Can I Stop My Bill From Being Sent to Collections?

A Credit.com reader recently asked about when a hospital can send a bill to collections, and how that could affect one’s ability to pay the bill. The reader had a $4,200 bill that was outstanding for more than 120 days. After calling the hospital to make payment arrangements, the hospital informed the reader that the… Read More

Hospital Bills Just Got Easier to Manage

Managing Debt

Hospital Bills Just Got Easier to Manage

Hospital Bills Just Got Easier to Manage

The Department of Treasury and the Internal Revenue Service issued final regulations on new community benefit requirements for nonprofit hospitals on Dec. 29 – offering welcome protection to American consumers struggling with healthcare costs. These regulations call on hospitals to establish written financial assistance policies (also known as charity care policies), limit the amount billed… Read More

How to Avoid Wage Garnishment If You Can’t Pay Your Medical Bills

Managing Debt

How to Avoid Wage Garnishment If You Can’t Pay Your Medical Bills

How to Avoid Wage Garnishment If You Can’t Pay Your Medical Bills

Earlier in December, the Consumer Financial Protection Bureau issued a report that found 43 million American consumers have medical collections on their credit reports. Then, a report from ProPublica and National Public Radio focused on the collection practices of nonprofit hospitals. It found that some nonprofit hospitals use collection actions that go far beyond just… Read More

How the CFPB Can Help Consumers Hurt By Medical Debt

Managing Debt

How the CFPB Can Help Consumers Hurt By Medical Debt

How the CFPB Can Help Consumers Hurt By Medical Debt

The Consumer Financial Protection Bureau issued a new report today that sheds some light on the tricky world of medical debt collections. This new report found that 43 million consumers have medical collections on their credit reports, and more than half of the collection accounts on credit reports are medical in nature. It notes that… Read More

How to Handle a Medical Debt You Don’t Owe

Managing Debt

How to Handle a Medical Debt You Don’t Owe

How to Handle a Medical Debt You Don’t Owe

Recently released data from the National Health Interview Survey (NHIS) found that one in five Americans was in a family having problems paying medical bills. And, one in 10 Americans was in a family with medical bills that they were unable to pay at all.  Not surprisingly, families with an uninsured member increased the odds… Read More

Could Your Medical Debt Keep You From Getting a Job?

Managing Debt

Could Your Medical Debt Keep You From Getting a Job?

Could Your Medical Debt Keep You From Getting a Job?

You might think your credit report only gets looked at when you’re applying for some sort of loan. However, many are surprised that the Fair Credit Reporting Act (FCRA) allows employers to use credit reports when making hiring decisions. A survey of a random sample of Society for Human Resource Management members found that 47%… Read More

How Long Does It Take for a Medical Debt to Go to Collections?

Managing Debt

How Long Does It Take for a Medical Debt to Go to Collections?

How Long Does It Take for a Medical Debt to Go to Collections?

Growth in annual healthcare costs has slowed since the beginning of the recession. Despite this, privately insured patients are taking on increasing responsibility for the cost of care through greater out-of-pocket expenses. The typical American family of four had total healthcare costs exceeding $22,000 last year, which included out-of-pocket costs of $3,600. This level of… Read More

How to Stop Your Medical Bill From Going to Collections

Managing Debt

How to Stop Your Medical Bill From Going to Collections

How to Stop Your Medical Bill From Going to Collections

Health care is on the front burner yet again, and the Obama administration is in the hot seat. Talking heads are blasting the botched launch of the health insurance marketplace website. President Obama recently held a press conference to publicly reverse his position on skinny insurance coverage. And millions of Americans are waiting for the… Read More

Why Medical Debt Reform Could Actually Happen Now

Managing Debt

Why Medical Debt Reform Could Actually Happen Now

Why Medical Debt Reform Could Actually Happen Now

There’s at least one thing Congressional Republicans and Democrats agree on, and it’s that medical debt is a problem. Members of Congress and their staff recognize that medical bills are confusing and prone to errors — and the debts can hurt creditworthy consumers by constraining their access to credit. In recent years, attempts at much-needed… Read More

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