Posts Tagged medical debt
Spinal Injury Lawyers and your Health Insurance review by Kraus Back and Neck Institute Houston, Baytown, Beaumont, Port Arthur, Sugarland, Katy, Spring, Pearland, Woodlands, Kingwood
Posted by admin in accident, attorney, back injury, back pain, baytown, beaumont, car insurance, health insurance, houston, houston personal injury lawyer, houston truck accident lawyer, insurance, katy, Kingwood, lawyer, medical bills, medical debt, motor vehicle accident, motor vehicle injury, patient advocate, Pearland, personal injury, personal injury lawyer, Port Arthur, recovery, review, spinal, spinal injury, spinal injury lawyers, Spring, sugarland, Tomball, truck accident, truck accident lawyer, woodlands on December 13, 2015
Spinal Injury Lawyers and your Health Insurance
Patients may have been involved in a motor vehicle accident, truck accident, or other type of motor vehicle injury. Of course, any type of injury, whether it be a motor vehicle injury, truck injury or car injury, are unplanned, and can have significant consequences for the injured person. Understandably, most spinal injury patients are often much more concerned with their long-term prospects for rehabilitation and recovery. As the claim process progresses, it’s easy to let financial decisions take a back seat to quality care. The unfortunate reality, however, is that your health insurance coverage benefits may not cover your recovery in all the ways you require. It’s advised that spinal injury patients take the time to understand their coverage as best they can in order to search for the local and regional doctors that will make a physical and financial recovery possible. After all, whenever the spinal nerves are involved, costs can quickly run to the tens and even hundreds of thousands of dollars. Many patients need corrective spine surgery to remove or repair damaged portions of the spinal column (fragments of disc or vertebra, for example) in order to minimize the possibility of further damage, or to re-stabilize the spinal column. Patients need to address recovery, but they can also be stressed with growing medical bills and medical debt. As a matter of fact, medical bills and medical debt are a significant cause of bankruptcy. Spinal injury lawyers can help to offer guidance not only on defending your case, but on advice with dealing with medical bills and medical debt, and how to handle payment of these, whether through the motor vehicle insurance, case settlement, or health insurance.
Patient advocates are also excellent sources of information, especially when it comes to evaluating how your health insurance coverage will affect your recovery. These laypersons specialize in knowledge regarding the healthcare industry and will likely be able to point you in the direction of doctors (and even other patients) who can give you more advice about how to proceed. For most patients, finances are a high priority, so patient advocates may attempt to put you in touch with in-network healthcare services, depending on your health insurance provider.
Remember that the long-term goal of any spinal injury recovery is to maximize your quality of life. If you need to switch health insurance providers or go with a more expensive treatment, keep that information in mind. It’s hard to ignore large costs, but remember that certain treatments may make the difference between large discrepancies in your long-term mobility. Independent living may still be possible depending on the location and severity of your injury. Though permanent back pain will likely still rear its ugly head, patients can take solace in the fact that most health insurance companies reimburse at least partially for spinal physical therapy, particularly in severe cases like spinal injury.
Spinal physical therapy will help in decreasing back pain by building up muscles throughout the torso and spinal column, allowing patients to explore the limits of their mobility to make sure that their range of motion does not deteriorate further during recovery. Be aware that some health insurance companies may not reimburse you for physical therapy treatments beyond a certain time after your accident, so if possible put your emphasis on programs with exercises simple enough to learn and perform in a home setting. Depending on the severity of your injury, you may also need an assistant to help with maintaining blood flow to areas which fall below the point of your spinal injury. If you have permanent mobility and / or sensation loss, remember that keeping those desensitized areas exercised is vital to avoiding dangerous complications like blood clots.
Keywords: spinal injury, spinal injury lawyers, spinal, health insurance, back pain, patient advocate, accident, medical bills, medical debt, motor vehicle injury, recovery, Houston, Baytown, Beaumont, Port Arthur, Sugarland, Katy, Spring, Pearland, Woodlands, Kingwood
Note: for individual advice, consultation with an attorney is recommended
Re-paying Medical and Legal Debt from an Accident review by KBNI Houston, Katy, Woodlands, Spring, Sugarland, Pearland, Baytown, Beaumont, Kingwood
Posted by admin in accident, attorney, back pain, baytown, beaumont, car accident, car insurance, houston, houston personal injury lawyer, houston truck accident lawyer, injury, insurance agent, katy, medical bills, medical debt, motor vehicle accident, personal injury, personal injury lawyer, review, sports injury, sugarland, truck accident, truck accident lawyer, woodlands on April 18, 2015
Re-paying Medical and Legal Debt from an Accident
One of the most frightening and potentially most devastating aspects of a car accident / motor vehicle accident / truck accident is the medical and legal debt incurred by the parties involved, particularly if there are serious or life-threatening injuries. Medical debt can quickly spiral out of control in the United States, given that more people than ever before are without employer-based health insurance. Legal debt may not even register on the radar for many members of the public, but it is all-too-real for those who find themselves at fault for a car accident. An expert personal injury lawyer / personal injury attorney may be necessary.
What can individuals do if this is the case? Who will pay the bills? First, take stock of any injuries: are you experiencing back pain or other quality-of-life changes as a direct result of the car accident? If you are not experiencing back pain but are at-fault for the accident, what kinds of injuries has the other person sustained? Most law professionals agree that at this point, it’s best to consult a personal injury lawyer to minimize your chances of long-term financial obligation as a result of the accident. Personal injury lawyers will also likely be able to discuss in detail certain aspects of your car insurance policy that deal with payment of legal and medical fees after a car accident. That said, you should still read over your car insurance policy very carefully, particularly the sections dealing with accident compensation and legal claims filed against you by other parties. Knowing the gaps in your coverage will help you be better prepared to deal with repayment of legal debt.
For example, some states are “no fault” states when it comes to car accidents, meaning that the car insurance company will likely pay a substantial portion (and possibly all) medical bills incurred. Usually, however, the “no fault” limit is around $10,000, so hospital bills beyond that will need to be compensated for by the individual. Knowing the ins and outs of your company’s insurance policies will help you decide if you need additional coverage. Other insurance policies and additional coverage may cost more in the short-term, but if you have a high-risk job or do a lot of driving on high-risk roads, additional car insurance may make a lot of sense. This is yet another arena where a personal injury lawyer could be very helpful.
Patients with lingering or chronic back pain or other medical issues may complicate the issue further, necessitating additional medical consultation. Your car insurance policy likely has financial and chronological limits for your coverage. Your state may also NOT be a “no fault” state, meaning that in some cases all parties involved are responsible for their own medical and legal bills.
Physician experts at the Kraus Back and Neck Institute (KBNI) in Houston, TX, have significant experience and expertise in working with patients who have suffered motor vehicle accidents or truck accidents. Many of these patients will need complex medical care, and many will need to also see a personal injury attorney. After an injury, many patients may be confused as to what to do next, and how to straighten out their situations.
The Kraus Back and Neck Institute (KBNI) in Houston TX takes care of patients in Houston and the surrounding areas, including Sugarland, Woodlands, Katy, Spring, Sealy, Baytown, Pearland, Beaumont, Galleria, Conroe, Humble, Kingwood, Port Arthur, Galveston, Texas Medical Center (TMC) and other Texas TX cities including Dallas, Fort Worth, San Antonio and Austin
If you have SUFFERED AN INJURY, you can contact the Kraus Back and Neck Institute at
……. Or visit www.SpineHealth.com to schedule an appointment online
……. KBNI VIDEO
Keywords: personal injury lawyer, back pain, car accident, accident, motor vehicle accident, car insurance, medical debt, medical bills, Houston, Woodlands, Sugarland, Spring, Katy, Pearland, Kingwood, Humble, Baytown, Beaumont, Galveston, Port Arthur, Memorial, Conroe, Sealy, Austin, San Antonio, Dallas