I am a terminally ill man and I do dialysis and various other medical conditions. I have Medicare but as much as im in  and out of the facilities and hospitals my expenses run away from me. Like most sick people we are on fixed incomes and cant barely afford to get medication and foods in the same month. So there for we have to depend on our credit..we can have very good credit and repayment records but the hospital bills get send over and ruin all our hard earned credit scores  just because of a measly 20% that our insurance company didnt cover.. I believe that there are a lot of men and women who will agree.