The Sugar Daddy Podcast
Ready to normalize talking about money? Then welcome to The Sugar Daddy Podcast. Every episode will get you one step closer to your financial goals. Whether that is learning how to invest, budget, save, retire early or simply make better money choices, Jess & Brandon have got you covered in a way that's easy to understand, and easy to implement. Tune in as they demystify the realm of dollars, so it all makes cents, while giving you a glimpse into their relationship with money and each other.
Brandon is an award winning licensed financial planner, and owner of Oak City Financial, with over a decade of experience and millions of dollars managed for his clients all over the United States.
New episodes published the first three Wednesdays of every month.
The Sugar Daddy Podcast
94: Is Putting Medical Bills on a Credit Card a Mistake?
Medical debt affects over 100 million Americans, but many don't realize the financial consequences of how they choose to pay it. In this episode, Jessica and Brandon break down why using a credit card for medical expenses can turn a manageable bill into long-term financial damage.
You’ll learn:
- The key differences between medical debt and consumer debt—and why it matters
- How credit card payments erase crucial protections for medical bills
- Smarter ways to handle unexpected medical expenses
Whether you're navigating a surprise bill now or planning for future care, this episode equips you with the knowledge to protect your credit, reduce costs, and avoid common traps in the U.S. healthcare system.
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This episode is sponsored by Prenupscom. The truth is, every married couple has a prenup a set of rules that defines your legal and financial relationship with your spouse. You either choose your own rules or use what your state gives you. At Prenupscom they write prenups that actually help couples stay married. Their specialty is fair prenups that help couples plan for a healthy financial relationship. Don't let the state decide your marriage rules. Make your own. Visit prenupscom. Slash sugardaddy to learn more. That's prenupscom. Backslash sugardaddy and get the prenup that helps you stay married. Already married? No worries. They do postnuptial agreements too. That's what Brandon and I did after eight years of marriage. Over 100 million Americans are struggling with medical debt, but what happens when that debt ends up on your credit card? Today, we are going to talk about the hidden dangers of using credit cards to pay for your medical bills, If that's of interest, Stay tuned.
Speaker 2:Hey babe, what are we talking about today?
Speaker 1:Today we are talking about paying your medical bills on a credit card, and it's such a timely conversation because, literally as we're recording this, you're sitting here with your little boot on your little knee scooters right next to the desk. You're still non-weight bearing for the next four weeks and we've got three we're down to three. Okay.
Speaker 2:And when you're, when you're going through with that, that extra week makes a difference.
Speaker 1:Okay, yeah, I mean listen for me too.
Speaker 2:I mean'm ready, like let's do this, let's get you back functioning for those of you don't know um four weeks ago I tore my achilles tendon and my right foot, which means that I cannot drive, and I'm about three weeks now. I'm three weeks post-op and I got about another three weeks before I can hopefully be able to drive and start pt which means that I'm essentially a single parent. Yep, that's very true.
Speaker 1:Brandon has been living downstairs, which we're grateful that there is a full bedroom and a full bath with a walk-in shower downstairs. He has not been upstairs in our house in three weeks, four weeks. Has not helped with anything that happens upstairs when you have children. So bath times, showers, I mean all the things All that to say your all the things. Yeah, all that to say your girl is exhausted. Okay, yes, I am tired, I is tired.
Speaker 2:And in addition to her having to do all the work and being exhausted, came with a nice little $5,000, $6,000 bill.
Speaker 1:Right, which is only because we have health insurance and we have out-of-pocket max, but also when we were signing you in. So the episode came about because of what we're going to talk about right now, which is we signed you in, did the patient check-in, you were, you know, getting ready to go back to surgery and of course, you have to sign your life away and you're signing all the medical, you know, information and the and here's how you're going to be billed, et cetera, et cetera. And they put us on a payment plan, the payment plan because this was a private hospital. Of course, we didn't get to choose where the surgeon actually performs the surgeries, but it turns out that this is a private hospital and so the bills, the payment plan that they put us on is $1,400 a month. That is a mortgage, that is rent, that is a like. That to me is not a payment plan. I was pissed. To me, a payment plan is $175 a month, $230 a month, $65 a month, not $1,400.
Speaker 2:I can't say the silver lining and going to have the surgery where I had it. According to all my friends that work within the medical field, they're like it's good that you had it there, because they're like this is an injury that you really shouldn't have fixed at. Like you know, your quote-unquote traditional hospital like your rando because they don't. They don't specialize in it like normally yeah, you went to an orthopedic surgeon.
Speaker 1:I mean, no, of course we want to get you the best care, but I'm talking about the payment plan, the $1,400 a month payment plan.
Speaker 2:And the funny part is is like, just as asking a bunch of questions, obviously, and she's like what if you know someone can't pay this? And they're like they don't want the surgery.
Speaker 1:She literally looked at me and she said it's not a life-threatening surgery and they just don't get it. And then she said welcome to America. I mean, we literally had a moment. We were standing there, it was, I think there was one other couple next to us.
Speaker 2:She understood 100% how ridiculous it was, but like, obviously it's not her rule, Right right and she did.
Speaker 1:It's funny because she even pointed out on the paperwork you know it has like the 1400 and then like the the due dates, because I think there's like I guess, four, yeah, four monthly assignments or whatever anyways.
Speaker 1:And then I was like this is just crazy, like this is a crazy amount of money for a payment plan. And so she was like I can't legally tell you this, but I'm gonna point to point to this piece. You know, this part on the piece of paper that basically was like you have 60 days from like the time that you receive all of the paperwork and ask for the itemized bill, et cetera, et cetera, to make your first payment. Aka she was like basically saying that there was, you know, a 60 day buffer that we could fall under Either way, 60 days is not going to make a difference when you have a $1,400 payment.
Speaker 1:So obviously Brandon and I started trying to figure out like okay, we're gonna have to pay this anyway. Can we get something for it? We have some upcoming trips. You guys know we're pretty Delta loyal, but some of these trips are gonna be flying a different airline. Do we open up a new card, get some points, get some miles? Like we're going to spend the money anyway. How do we get something for it? And so the kind of the research that came out of that was if you can handle it, there might be benefit to putting the medical bills on a credit card, but I think the overarching theme is you're putting yourself at risk, yeah.
Speaker 2:So basically, at the end of the day, is it a good idea to pay medical bills with a credit card?
Speaker 1:Yeah, so that's what we're going to talk about today. So that was the longest intro, but we wanted to kind of set the tone and give you context on. You know why we were thinking about this and honestly, it's something that affects. It affects so many of us. I mean even taking your kids just for their annual checkups, or if somebody has an ear infection on the weekends and you go to urgent care. I mean these appointments they're costing an arm and a leg.
Speaker 2:All right, real quick. I want to speak to the person listening who feels like they can't work with a financial planner yet because they're carrying a lot of debt. First of all, I see you and I need you to know. You're not broken, You're not behind, You're just in a tough season. I created something just for you because I've had people reach out who are serious about changing their money story. But the full financial planning package just wasn't the right fit yet.
Speaker 2:So I built a new service through Oak City Financial that's focused completely on debt reduction no fluff, no shame. You'll get a one-time planning session, a personalized payoff strategy, your own financial dashboard and monthly coaching. If you want extra support while you climb out, it's $300 to get started and $100 a month. If you want that ongoing guidance, that's it. This is about helping you get unstuck, not making you feel like you failed. If this sounds like what you've been needing, go ahead and schedule a call with me. The link is in the show notes. Let's take the first step together. Yeah, and the thing is, over 100 million Americans have medical debt, Right, so it is like she said, it affects a lot of people a third of the population, essentially.
Speaker 1:It's just, it's so sad and it's crippling and it you know you pay hundreds of dollars, if not 1000s, a month for your health insurance and then you still get slapped with huge bills. And then you know we are also kind of okay, we have the $1,400 a month bill, but then we're still waiting on the anesthesiology bill, we're still waiting on the lab bill. We're still waiting, and we know that these bills are just going to keep coming for the next probably three, four, five, six months, even though we might be fully paid by then. Because not everything is linked together, because heaven forbid one surgery come with one bill. No, it's going to come from all these different places.
Speaker 2:Yeah, if you've ever, you know, had to have surgery or anything major happened, you go to a hospital. You realize that, oh, like I went to one place, maybe I should get one bill. No no, everyone's an individual contractor and you're getting a bill from here, a bill from there, like it's. Anything is. If you don't stay on top of it, it's actually really hard to track. It's not an easy process.
Speaker 1:Yeah. So one of the big things to call out. Let's say you do take the route of okay, I want to swipe. Swipe my problems away and put all of this on a credit card, get your points, get your miles, even if you're not getting anything for it. You're just like man. I'm annoyed. Let me just kind of quote unquote get rid of this, consolidate it. What you're doing is you're actually removing the protections around medical bills, because once you swipe your card and you put that medical bill on your credit card, it now becomes consumer debt. It is no longer a medical expense. It doesn't matter that that line item says XYZ hospital, xyz surgery center, it is now a consumer debt, just like if you go to the grocery store, the gas station, kohl's, walmart, it doesn't matter. That is now what it is.
Speaker 2:And there's been a lot of changes recently in regards to how medical debt is handled. So, for example, you know medical debt no longer shows up on your credit score, which is a huge one for a lot of people.
Speaker 1:Yes. So that means that even if you do end up maybe not making your payments on time, missing a payment, asking for some sort of lower payment plan, you don't have the money at this time. That comes with legal protections that the credit card company is not going to give you. They do not care that this is now a medical bill that you put on your credit card. They are just going to collect their interest and it is going to grow and compound day over day, month over month.
Speaker 2:And the thing in addition to that is that now that you put on your credit card, if you don't pay it off on time, then you are now going to have a high interest rate, more than likely, and you don't have the same thing when you have a payment plan through wherever you had that medical procedure done. So obviously in my scenario it was a very high payment plan, but we didn't explore. There has to be other options down the road or else they don't get their money.
Speaker 2:And once again it's not in your credit score either. So they got to kind of work with you to deal with this.
Speaker 1:I mean, would you rather have $500 than no dollars?
Speaker 2:Yeah. Right, Like at some point people are going to pick up the phone to say I cannot provide you $1,400.
Speaker 1:You need to work with me. Capital One is not going to work with you. That medical facility, you know, is going to eventually have to. Sure, they could send you to collections, but that's going to take a long time and at the end of the day, that's not going to guarantee that they get paid. So they are going to be more incentivized to work with you, whereas you know these big banks or even the smaller banks are not going to care. Not to mention, most interest rates are 20 plus percent. So now you have a high medical bill and you're adding on a very high interest rate. If you're not planning on paying that off in full and that can be detrimental that will snowball very quickly.
Speaker 2:Yeah, and, like I said once again, you've switched it from medical billing debt to consumer debt. That's going to be in your credit score. That can affect so many other aspects of your life nowadays, because nowadays you have some employers that take into account your credit score. If you're looking to be hired, even if you're just not trying to buy a home, if you're trying to lease, rent an apartment, they look at your credit score.
Speaker 1:Even buying a new phone sometimes.
Speaker 2:So they look at all the.
Speaker 1:Opening up your. You know when you access your new utilities. You know when you're connecting your water and your electricity, like a lot of times, they will run your credit as well, so it can affect so many other aspects of your life. Yeah, and depending on how high the bill is, if you put it on your credit card, it's going to then also impact some of the factors that make up your credit score, like your credit utilization, which is the amount of money that you have access to in comparison to the amount of money that you're actually using.
Speaker 1:You want to keep that credit utilization. 30% or less is ideal, and if you don't have a lot of credit available and now you have a big bill that you're adding onto a credit card, your credit utilization is going to go up and oftentimes that inverts and makes your score go down. So you always want to try to strive for a lower credit utilization, meaning you have a lot of credit available to you but you're not using it. That's why it's always important to keep your oldest credit card. I'm not going to go off on this tangent too long, but keep your oldest credit card and don't close credit cards unless you absolutely have to, because again, it's going to impact the amount of credit you have available, which impacts your credit utilization score.
Speaker 2:And also we are very much well aware of one our privileged situation where we can afford to put it on our credit card and pay it off without having to deal with all these issues. But for a lot of people it might be their only option.
Speaker 1:Right.
Speaker 2:So you know they don't have the money in. So, for example, when I went to have my surgery, as you said, I had to pay something upfront, or the surgery was not happening that day. So if somebody didn't have $1,400, then, hey, their credit card might be the only option in order to get the care that they need, and I understand that. But it can also come with a big penalty behind it.
Speaker 1:Yeah, and this is also just a friendly reminder Most hospitals, especially public hospitals that are not private facilities, will have some sort of payment assistance programs. You might have to fill out an application, you might have to get further documentation. I'm not saying it's not going to take a little effort and intentionality on your part, but there are programs available to either help you make the payments and or lower your payments.
Speaker 2:Sorry, I'm not laughing at what you said. I was just thinking about what they were saying in regards to it's not life-threatening. Yes, I wasn't going to die, but I couldn't walk properly.
Speaker 1:And then what other problems are you going to cause by not having the surgery, not being able to walk? I mean, it's just ridiculous To me.
Speaker 2:It wasn't an optional surgery. It wasn't like oh, I want to go get a facelift. Yeah, no, I mean Mike Healy's.
Speaker 1:Yes, you do. Um, the other thing that I think is important to note, as we're talking about medical bills If you can avoid it, don't make any payments without an itemized statement, because 80% of medical bills have errors, which means that you're being overcharged, you're being mischarged, there are codes that are going to be on that chart or on that bill that don't even apply to you. You need to ask for an itemized bill and you need to review it, and then, if you see something that didn't happen, you need to dispute it, and so that's something that we always encourage people to do is to ask for an itemized bill and don't make any payments until that is received, and you've looked it over and you've disputed anything that is on there that you know is incorrect.
Speaker 2:I think it's also a good call out that the person who's taking you to the surgery clue them in to pay attention to what's going on. Also Because most of the time if you're going under you're going to be a little loopy coming out. You might not remember everything that was or was not given to you. As compared to someone who's sitting there can watch what happened. It's like, oh you know, the doctor puts on the bill that they gave you so-and-so and you never received so-and-so Right.
Speaker 1:And there are, like medical patient advocates as well. So maybe, if you don't have somebody in your family that you, you know, maybe I don't want to say trust but maybe isn't going to be an advocate for making sure that the bill is what it should be, you can actually in many cases, request that somebody step in. They're like a third party. They're typically not associated with the hospital. They really are there to advocate on the behalf of the patient, to make sure that the charges are correct and that the payment terms are also in line with what suits your needs to the best of you know the abilities that they, that they can. Let's talk about the HSAs and FSAs when available.
Speaker 2:I know those are accounts we've talked about in the past. Yeah, so the idea here is that with better options available. Obviously, some of these options you have to think about beforehand to put them in place, but maybe what are some of the better moves that you can make that, if you do encounter having to have a high medical bill, that you're better equipped to handle it.
Speaker 1:Yeah, we don't have an HSA or an FSA at this time. One of the things that we were looking at is getting a 0% offer for a credit card that has an extended kind of term limit. A credit card that has an extended kind of term limit, so one that we're looking at right now is through December 2026, which would give us almost a year and a half, which is quite a lot, I mean given, kind of 18 months is normally going to be the max I've ever seen for a 0%.
Speaker 1:I get six month offers and nine month offers all the time, but this one when I saw December 2026, I was like, oh, that is much better than $1,400 a month, right? So then the idea would be we pay the full balance again after reviewing the itemized bill, etc. Etc. And then we can make smaller payments for the next 18 months instead of taking $1,400 a month. And applying it. But really that only makes sense on a 0% interest credit card.
Speaker 2:And I also want to explain in more detail that thought process for us.
Speaker 1:Okay.
Speaker 2:So, instead of taking $5,000 or $6,000 out of our savings to simply pay for everything right now, we want to provide ourselves with some flexibility, because we do have the money there, if needed, to just go ahead and plop it down and pay it. But if we could spread the payments out over 18 months instead?
Speaker 1:That puts more money in our pockets and our money to grow For us it's just a matter of flexibility.
Speaker 2:Like I said, the reason that we went ahead with the idea of putting it on the credit card is because we have the cash to pay it off. That's the biggest thing you need to think about. We have the money to pay it off. That's the biggest thing you need to think about. We have the money to pay it off before any type of interest would kick in.
Speaker 1:Well, but also we don't want to if. If for some reason like let's say, somebody's bill is $5,000 and they have $5,000 in their emergency fund, we don't want you to take the $5,000 out of your emergency fund to pay the bill Depends, oh gosh.
Speaker 2:The reason I say it depends, because if you're someone that doesn't have the discipline to, if you have a credit card to put on the credit card and make sure that you pay it off before any type of interest kicks in, then you probably should just go ahead and use that $5,000.
Speaker 1:But then they have no more emergency fund.
Speaker 2:But that's what an emergency fund is for. Emergency fund is for. Emergency fund is for an emergency. You don't want to slide backwards. So if you put on the credit card and you don't pay it off properly now, you're starting to accrue interest on it.
Speaker 2:Ultimately, you're going to end up paying more well, yes, okay, we don't want you to pay more obviously, so that's what I'm saying yes, but I think you have to have the discipline and a plan in place to make sure that, if you are going to use a credit card, that you you are paying it off before any of that 20% interest kicks in. Yeah, because, once again, what we said also, too, is that all the other things we stated that come with putting on your credit card and not paying it off is not just the interest you have, the credit utilization, and also how it's consumer debt, not medical debt.
Speaker 1:Right, so you lose those potential protections and it could negatively affect your score. Correct, got it? Yeah, all right. Well, these are things too, just as a call out that you help your clients with, right? I think so many people think that you're just like you know, you've got 16 screens in front of you and like you're looking like he's not day trading, right, these are the things that people come to you about all the time, like, oh, I got in a car accident. I need to buy a new car. Do I buy the car that I really want because I can afford it, or do I buy, you know, a car that is going to be covered by you know, whatever the insurance is going to give me? Like, you have these real world conversations, and this is one of them.
Speaker 1:Medical debt affects so many people. Like your child might have an emergency surgery. You might have an emergency surgery. Like things happen, and I think it's really important to note that, working with a financial advisor or the Brandons of the world or just straight up, brandon, these are the things that his clients bring to him all the time. Hey, can I do that bathroom renovation? I really want that new closet installed. That's going to cost $10,000. Can I do this hardscaping around my house? Those are the real world scenarios that you're helping people figure out all the time.
Speaker 2:Yeah, and when it comes to medical bills, you know, one of the biggest things that come up to me is having a baby, always. So it's one understanding those scenarios, like understanding what type of what your insurance entails, because the biggest thing there is that in a given year, if you're going to have a baby, you're going to reach your out-of-pocket max. So therefore, I can already tell you the maximum that you're going to pay in that given year for having the baby.
Speaker 2:In addition to that, once we find out, you know, early on, then we can start to, you know, build up a buffer over the few months leading up into you actually having delivery, as far as having money to handle that you know, so sitting down with someone and having these conversations so that you can put a proper plan and strategy into place so that you don't have to put these medical bills you know, obviously this one's more a planned one so you don't have to put it on your credit card, but obviously you have some scenarios where accidents happen, like myself.
Speaker 2:But you can start putting these strategies in place so that you have a plan in place. You know, kind of going back to the HSA and FSA, you know, if you're someone that is in a high deductible health plan and you have access to an HSA through your employer, especially if your employer is going to provide some money into your HSA for you as far as a match, I want to recommend taking advantage of that because that's allowing you to set aside money that is going to be going to there and not pay taxes on, and if you use it for medical bills you don't have to pay any taxes on it and you also have your employer adding to it. So it adds to the bucket that you have to handle these medical bills in case you do have an accident come up.
Speaker 1:Yeah, or even better, if your clients are talking to you about these things when they have planned surgeries coming up before open enrollment hey, I know, I need to do this foot operation. Open enrollment is around the corner. I think I should change my medical plan. Here's what that would look like. So those are, I think, really important conversations. Obviously, yours was more of an emergent situation, even though the lady tried to tell us it's not life-threatening which it's not, but it happened. And now we're over here also just having the conversations on what do we do, how do we make it work, how do we pay this off? We don't want to pay $1,400 a month, you know. And so all that to say. We're in the thick of it, just like everybody else, and we want to just provide resources and context for how to navigate these situations to the best of our abilities.
Speaker 2:And also some of the other options too, other than just swiping your credit card. So if you have these options available to you for example, often with the payment plans that most hospitals offer have a 0% or a low interest rate attached to them, and the payments are actually much more feasible for you to make on a monthly basis. So in those scenarios, especially on a 0% interest, it makes way more sense to go that route than to swipe with your credit card.
Speaker 1:Yes. Yes absolutely, or even I know every time I go I went to the dentist the other day, you know they always have. They have like their own credit card and payment option where you could have two years 0%. You know, again, it is now a credit card, but if you're getting it interest free it might be something to consider. You know, like I have to get a crown, that's going to be another $1,100. So it's all the things. It's all the things.
Speaker 2:And also kind of going back to the whole thing with one making sure you have an itemized bill to um make sure that everything is correct. Sometimes you can negotiate stuff as well, not necessarily hard set, because I could tell you this much that a procedure in different areas has different costs associated with it yes, and there's um, you know, reasonable.
Speaker 1:What is it called reasonable cost?
Speaker 2:yes, um, I know you're talking about. I'm sorry we'll. I'm sorry We'll put it in the show notes, but they have to give you a reasonable idea of what the surgery is actually going to cost you all in prior to what happening.
Speaker 1:Right, and then you can do the research and you can basically say this is not a reasonable price. Like, how are you, you know, increasing the price 30% from what the rest of the country is charging for, something like this? So you know there's there's a lot of nuance to medical bills and medical debt and how medical bills are. You know how they come into play. And so research and holding these institutions accountable, getting the itemized bills, et cetera, is really, really important. You cannot just take things at face value. You have to ask for the details and then look them over.
Speaker 2:Also, a lot of people don't realize that there is such thing as medical bill loans, so that is an option also available to you if needed, and often the terms of that is going to be significantly better than putting it on your credit card, because the interest rates are going to be lower.
Speaker 1:And again, it's still considered medical debt and not consumer debt. What I think we want to leave you with out of all the things is, once you put it on a credit card, it is no longer medical debt. It is now consumer debt.
Speaker 2:Yeah, debt, yeah. So even if you're in you know, maybe a hard situation, you do need to take a step back and maybe think through the process on how you're going to pay for that medical bill Because, for example, if it's an emergency and it needs to happen right then and there you're not going to have a bill right that second, because it's an emergency life or threatening. They're going to do the procedure to save your life or whatever needs to be done, but then you're going to have to think through afterwards what is the best course of action for me to handle this debt.
Speaker 1:Right, yeah, we know it sucks, we know it's terrible, we know it feels awful and, honestly, you know, just to keep it 100% real, which we always try to do with you guys you know I get quarterly bonuses in my line of work. We were planning on having my bonus for this quarter pay for our Christmas trip out of the country and now the reality is is it's going to be paying for Brandon's medical bills and my crown. So we understand, like you know, it really feels like it's hard to get ahead and it's hard to keep the plans. You know what is it Life, be lifin'.
Speaker 1:Life be lifin' the best laid plans, you know I mean, you make the plans and they fall apart. So we understand that, just like everybody else, and yes, there are options out there. But do your due diligence, request the detailed bills, push back, ask for assistance, ask questions. There are people in these facilities, in these hospitals, who are there to advocate on your behalf and to answer questions that are unclear to you, and it's really important for you to feel comfortable understanding all that has happened before you start paying those bills.
Speaker 2:Yeah, make sure you're exploring your options. That's the biggest thing is exploring your options and understand the pros and cons of those various options.
Speaker 1:Absolutely so. If you are also facing the challenges of paying for medical bills, we are right there with you, sending you a big hug. Happy healing. Hopefully this episode has been helpful and we will talk to you soon, Don't forget. Benjamin Franklin said an investment in knowledge pays the best interest. You just got paid. Until next time.
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