Blind Plea - Listen Now: Uncared For is Back!

Episode Date: August 6, 2025

In a country that feels more divided than ever, there’s one thing almost everyone agrees on: our healthcare system is broken. From crushing medical debt to rural hospital closures, deep Medicaid cuts, and the growing burden of insurance denials, too many Americans are falling through the cracks. In Uncared For, award-winning journalist SuChin Pak (Add to Cart, MTV News) investigates the personal and political forces behind our fractured system. This season, the show zooms out to examine the healthcare system as a whole. Through deeply personal stories and expert insight, Uncared For uncovers why so many people feel, quite literally, uncared for — and what it would take to build something better. After you listen to this preview, search for Uncared For in your podcast app to hear the rest of the series, or head to https://lemonada.lnk.to/UncaredForSeason3fd.See omnystudio.com/listener for privacy information.

Lemonada. Hey listeners, it's Sujim Pock, and I'm so excited to share that Uncared For from Lemonada Media is back for another season. Uncared For hosted by me is a show that digs into just how broken our healthcare system really is and the personal and political forces that got us here. In our first two seasons, we focused on the challenges, inquiries, and solutions around maternal and elder care. This season, we're zooming out to look at the system as a whole, from insurance denials and rural hospital closures to the unraveling of Medicaid.

Through powerful personal narratives and expert insights, we're unpacking why so many Americans feel quite literally uncared for and how we can begin to do better. After you hear this preview of our first episode, just search for uncared for wherever you get your podcast. You can also find the link in the show notes. I hope you'll join us. Want to listen to your favorite Lemonada shows without the ads?

Subscribe to Lemonada Premium on Apple Podcasts. For just $5.99, you'll get ad-free episodes and exclusive bonus content from shows like this one, as well as Wiser Than Me with Julia Louis Dreyfus, fail better with David Duchovny, and so many more. It's a great way to support the work we do. and treat yourself to a smoother, uninterrupted listening experience. Just head to any Lemonada show feed on Apple Podcasts and hit subscribe. Make Life Suck Less with fewer ads with Lemonada Premium.

I met Andrew Online. It was in the early 2000s. It's when meeting online was still a little maybe gauche. He was a computer science PhD. I was working as the art director of an entertainment company, and we met in our late 20s and started dating. That's Fumiko Chino. She was living in Houston, Texas, when she met Andrew, who'd eventually become her husband. He's an odd duck, you know, really bad dancer, sort of a manic mind that had a lot of things juggling all at once, and just a brilliant guy. Yeah.

We were, God, dare I say it, a cool couple? I think you could say that. Yeah, probably. We went to a lot of art events, a lot of music shows. We had a very active social life. We were out and about, and it was just fun. We were, I always say, young and stupid, right? We were in love, and it all changed slow,

He started having problems eating, having some episodic nausea, vomiting. He started having a lot of abdominal pain. He had lost 35 pounds in about six months. And so that's when they did a CT scan, his abdomen, and they found that he had cancer kind of throughout his pancreas. Andrew had a fast-growing tumor that had spread throughout his body. He was diagnosed with neuroendocrine carcinoma, an aggressive cancer. Famico and Andrew knew the sickness would take a toll on their lives,

but they had no idea about the financial burden that cancer would force on them. Andrew's sickness would lead to thousands of dollars of medical debt. It's the statement that you didn't open, and then suddenly you're in debt that then compounds, and you're just sinking further into the abyss. Four in ten people in the U.S. have medical debt. Four in ten. It reaches all corners of the country, the young and old, the uninsured, and, yes, the insured. To cope with the financial burden, Americans are making impossible sacrifices and decisions every day.

What groceries to buy, where to live, what jobs to pursue, whether or not to drain their kids' college savings. From Lemonada Media, this is uncared for. I'm your host, Sujim Pock. Welcome to Season 3. And this season, we're looking at the many ways people in the U.S. are literally uncared for. In a country that seems more divided than ever, there's one thing almost everyone agrees on. We need health care that doesn't feel like a fight. So we're covering it all, from medical debt to insurance,

denials, to rural hospital closures, there are so many ways our system is failing us. We're diving into the rage, the realness, and the frustration we're all feeling in this moment. And we're not holding back. For a lot of us, medical debt isn't some abstract crisis. It's something we deal with every day, avoiding bills, putting it on your credit card, or even crowdfunding, whether you have a chronic illness, need an expensive treatment, or we're laid off and got sick, debt is unfortunately our system's go-to solution. We really wanted to get a sense of how big this problem actually is.

A hundred million people in the U.S. have some form of health care debt. That's 41% of U.S. adults. And I mean, if you think about that, I mean, it's sort of mind-boggling. Noam Levy is a senior correspondent at KFF Health News. He's been covering health care for about 15 years and led the sweeping investigative series diagnosis debt. You know, medical debt is not just sort of some byproduct that, you know, is generated on the side along with, you know,

extra surgical waste and stuff you throw out in the ER. This is core to what the U.S. health care system does. Yeah, this is the business. Yeah, it systematically is, driving people into debt, like, at an industrial scale. And if you ask people if they've ever had any health care debt in the last five years, that number jumps up to 57% of U.S. adults. And so that's a majority of American adults have been in debt in some form in the last five years.

The term medical debt can mean many things. Traditionally, it's been considered unpaid or passed due bills from health care providers. like an unpaid hospital bill from an emergency room visit. Sometimes those bills are sent to collection agencies or debt collectors and may have ended up on your credit report. But Noam says medical debt encompasses a lot more than that. It's the bill that, like, you get from the hospital and you put it on your credit card and then you don't pay your credit card off for, you know, six months or a year.

So you're in medical debt, even though that's maybe not measured traditionally as medical debt. Or, you know, maybe you go on a payment plan, You go to the hospital, you get a $5,000 bill, and the hospital says, can you pay this off over two years? Pay us, you know, $300 a month or something like that. And that might not get measured as medical debt either, but you're like, you're on an installment plan as if you're, you know, paying off an auto loan. Or maybe you've borrowed from friends or family. Maybe it's your parents. Maybe it's a sibling.

And that's not recorded as medical debt technically. But, like, think about the ways that that sort of changes people's family dynamics. You know, some of that debt is relatively small, a couple hundred dollars, but some of it is enormous, $5,000, $10,000, and we found that a lot of people say they don't think they're ever going to pay it off. They're going to, like, live with it forever. Noam says medical debt is upbending people's lives. Debt and lack of affordability causes people to delay or avoid getting care, which makes them sicker. They're also making difficult sacrifices in so many other ways.

Maybe they have to drain their savings. Maybe they have to take on extra work. Maybe they have to change their living situation, like downsize or move in with friends or family. One of the most chilling things was the two-thirds said they had to cut back on food, clothing, or other essentials as a result of a medical bill. Yeah. And, you know, you stop and think about that for a second, but, you know, we hear a lot of talk right now about social determinants of health, right? That how economically stable, how much stable housing you have, how well you eat is much

more important to your health, ultimately, than kind of what the hospital or the medical system does to you. And yet, here we have a health care system that's supposed to be taking care of people. that is making it literally more difficult for people to put food on the table. Yeah. It's, I mean, these are massive, massive, like you said, industry size numbers. Who experiences medical debt, right? Because I think the assumption is, if you haven't really thought about this,

that it's people with major complicated health issues. Maybe it's people without insurance. I want to know what the full picture is. And I want to know in the last 15 years if that's changed. So I think historically the idea of who was going into debt because of medical bills was like this was someone who lacked health insurance, you know, who ends up in the ER with a car accident or they get diagnosed with cancer or something like that. And, you know, they end up in debt and maybe they declare bankruptcy. see. And I want to be clear that that's still happening. And we know that medical debt is more prevalent among people with lower incomes, people who lack health insurance. But since the passage

of the Affordable Care Act, Obamacare 15 years ago, the number of people without health insurance in this country has fallen significantly. I mean, that may change, given what's happening right now in Washington. But we've seen some historic gains in health care coverage. But the medical, that problem hasn't gone away. And by some measures, it may even be getting worse. And now this is a problem of the insured. There's a longstanding assumption that if you have health insurance in the United States, health care becomes affordable. But that's simply not the case anymore. Insurance plans have changed dramatically in the past couple of decades. For instance, many plans have extremely high deductibles.

If you get a health plan through your employer or you have to go out and buy it for yourself or your family, you probably have a deductible at this point. You have to pay $1,000, $2,000, maybe $5,000 out of pocket before your health plan will kick in and start paying the bills. And for a lot of people, like a $5,000 deductible or even a $10,000 deductible for a family, I mean, that's devastating. And we know most people don't have a lot of savings that are readily accessible. So, you know, you don't need a Nobel Prize in economics to understand that if you owe two or $3,000 on your health plan and you only have $500 in the bank, you're going to end up in medical debt. Noam says the best predictor of medical debt is whether or not you're sick, which may seem obvious. But when you really think about that, it's just so messed up. We looked at medical debt's prevalence at the county level around the country, like which counties had the highest levels of medical debt. And what about that county best predicted whether or not there was going to be a lot of medical debt there? And it wasn't sort of how poor the county was. It wasn't whether or not there were a lot of people who lacked health insurance. It was whether or not there were a lot of people who had chronic illnesses like diabetes and heart disease. And so when you think

about that the kind of people who are going into debt are the kind of people who like if you have diabetes you have prescriptions you got to fill you got tests that you have to do you got to see your doctor regularly you're going to rack up medical bills we are as a health care system as a country layering medical debt onto people who are already dealing with serious medical conditions And we know that this is not good for people's health. I mean, there is research that actually shows that people who have cancer who go into medical debt actually die more quickly than cancer patients who don't go into debt. It's crazy.

Yeah. Yeah, the stress will kill you as some say before, yeah, before the diagnosis. And if it doesn't kill, it often leaves a lot of people deeply changed. That's what happened to Famico Chino, who we heard at the top of the episode. The debt she and her husband experienced as 20-year-olds changed the course of her life. At a certain point, you're just trying to keep your husband alive. I quit my job. I was no longer opening up bills.

I was just like, you go in a pile. I've got other things to deal with. That's next, after the break. Thank you.