Ultimately, it led two middle-class parents with good jobs, two major health-insurance policies and a house in suburbia into foreclosure and bankruptcy.
"To this day," Simon said, "we still have creditors calling us, wanting to talk to Ellie. They'll say things like, 'We want to discuss how she's going to take care of this overdue bill.' I just lose it."
Ellie Sutherland died June 26. She was two months shy of her fourth birthday.
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researchers at Harvard and Ohio universities reported that 62 percent of all bankruptcies were related to medical debt. An American family, they said, filed for bankruptcy in the aftermath of illness every 90 seconds — and three-quarters of those families had health insurance.
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Marsha tried to sign Ellie up for Social Security disability, and when that failed, for Medicaid. Even after the family was down to a single income, though, the couple made too much to qualify.