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Car Insurance May Be Why You’re Denied Medical Care After Crash

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Image for article titled Your Car Insurance Could Be the Reason You're Denied Medical Care After a Crash

Photograph: Johan ORDONEZ / AFP (Getty Pictures)

After crashing her automotive, teenager Frankie Prepare dinner was denied help at an pressing care facility in Roma, GA. Why? Her automotive insurance coverage, NPR reports.

Whereas it might sound intuitive that your medical health insurance ought to cowl all issues well being, there are literally some caveats. If you happen to maintain an accident behind the wheel or in your house, your automotive or dwelling insurance coverage may very well be accountable for the prices of your medical payments.

Right here’s the scenario:

“’We don’t take third-party insurance coverage,’” Russell [Cook, Frankie’s father] says the receptionist at Atrium Well being Floyd Pressing Care Rome informed him, although he wasn’t positive what she meant. “She informed me, like, thrice.”

The Cooks had been instructed to go to an emergency room, which by legislation should see all sufferers, no matter whether or not or not they’re insured. Medical doctors on the emergency room gave Frankie Prepare dinner a cursory examination and two CT scans earlier than prescribing relaxation and Tylenol. Afterward, the Prepare dinner household obtained a invoice for her care that totaled $17,005.

So, what occurred right here? NPR explains:

Lou Ellen Horwitz, CEO of the Pressing Care Affiliation, says it’s a fairly commonplace coverage for pressing care facilities to not deal with accidents that end result from automotive crashes, even minor ones. “Typically, as a rule, they don’t deal with automotive accident victims whatever the extent of their accidents, as a result of it’ll undergo that auto insurance coverage claims course of earlier than the supplier will get paid,” she says.

Horwitz says pressing care facilities — even ones owned by massive well being methods — typically function on skinny margins and may’t wait months and months for an auto insurance coverage firm to pay out a declare. She says “sadly” folks are likely to find out about such insurance policies once they present up anticipating care.

After 16 months that included a authorized dispute to take away duplicate prices and the household’s well being supplier, Anthem Blue Cross Blue Defend, stepped as much as pay among the invoice, the Cooks had been lastly left with a cost of $1,042.

Most individuals don’t find out about these insurance coverage insurance policies till they’re compelled to search out out the arduous manner, just like the Cooks. So, use their instance to analysis what your insurance coverage scenario appears to be like like and have a care plan prepared do you have to be concerned in a crash.

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