Nonalcoholic steatohepatitis, or NASH, is a severe form of nonalcoholic fatty liver disease (NAFLD) that involves inflammation and damage to liver cells. NASH is a serious disease that can have a serious impact on finances.1,2
In the United States, overall healthcare costs of NAFLD and NASH are reported to be in the billions. By 2039, the projected healthcare cost per person for NASH is expected to rise from $3,636 to $6,968 per year.1-3
The cost of medical treatment
One of the most direct financial impacts of NASH is the cost of medical treatment. Healthcare costs of people with NAFLD are nearly twice as high as those of people the same age who do not have the disease.1,2
Health and medical costs can include things like:1,2
- Regular doctor visits
- Prescription medicines
- Blood and imaging tests
- Liver biopsies
- Lab work
Studies show that the more advanced the disease is, the greater the financial burden. For people with coexisting medical conditions, that burden is even higher. For example, someone with both NASH and type 2 diabetes will have higher healthcare costs.1-3
As the disease progresses, people may require more intensive treatments. Treatments may include medicines to manage liver inflammation and complications of NASH. For some, surgical procedures like weight loss surgery are an option. In severe cases, a liver transplant may be necessary. This is an expensive and complex surgery.1,2
Even with insurance, out-of-pocket costs can be very high. Those without insurance face even bigger costs.
Time off work and lost income
NASH can lead to a lot of time off work, both for the person affected by the disease and their caregivers. As the disease advances, people may experience fatigue, pain, and other symptoms that make it hard to maintain a regular work schedule.1,2
Hospitalizations for complications or surgeries often require extended absences from work. For many, this translates to lost income.1
Some people with NASH may need to go on short-term or long-term disability. This further reduces their earning capacity. If the disease progresses to cirrhosis or liver failure, work may be impossible.
If they become unable to work, people can apply for disability benefits. This can be a lengthy and challenging process. If you are considering disability benefits, talk to your employer and healthcare team about your options. They can tell you what information you need to gather for your application.4
The burden on caregivers
Caregivers of those with NASH also face financial challenges. They may need to take time off work, which can mean reduced income. Tasks that might interfere with work include:1,2
- Attending their loved ones’ medical appointments
- Providing daily care
- Supporting their loved ones during hospital stays or recovery periods
The emotional and physical toll on caregivers is another factor. Stress and burnout can lead to caregivers’ own health issues, which can result in other healthcare costs.5,6
The ripple effect
The financial impact of NASH extends beyond medical bills and lost income. The disease can affect overall household finances. This can lead to increased debt and reduced savings, creating a worse financial outlook.1,5
Families may need to tap into retirement savings, take out loans, or use credit cards to cover expenses. The stress of managing these financial burdens can also impact mental health and family dynamics. All of this may create a cycle of stress and financial hardship.5
Seek financial assistance
Look for financial assistance programs, grants, and charities that support people with chronic illnesses. Hospitals and nonprofits often have resources to help with medical bills and other expenses.
Also, the American Liver Foundation offers the free Drug Discount Card to help uninsured or underinsured people pay for their medicines. This card is accepted at over 63,000 pharmacies across the United States. It can be used for prescription medicines as well as over-the-counter drugs.7