In this post, I discussed what subrogation is. I also explained, in my practice, that because of this right (and usually, language in the contract) health insurance companies today now claim a lien on settlements to the extent of the health insurance company’s payments. At first blush, it makes … [Read more...] about Subrogation and the Made Whole Doctrine
I ran across an interesting article today about the concussion dangers to young athletes participating in sports. “Shake it Off” May Be Fatal Advice 50 Youth Football Players Were Killed or Sustained Serious Head Injuries from 1997 to 2007 It really piqued my interest, because I know a high-school … [Read more...] about Young Athletes and Brain Injury
An ordinary dictionary will define subrogation as the substitution of one party for another. And, that’s what it is; with a few technicalities, in the legal world. As I understand it, for our purposes, the idea of substituting one party for another in the legal world began in England, not long … [Read more...] about Subrogation and Health Insurance Liens. What are they and why do they matter?
Let me give you a common scenario. Let’s say you were in a car accident and got hurt real bad. You broke your hand and you need surgery. The accident wasn’t your fault, you were minding your own business, driving down the highway when somebody turned left right in front of you. There was no way you … [Read more...] about What Is Underinsured Motorist (UIM) Coverage?
Remember Heather Locklear on Scrubs? She’s the drug company rep hired to wine and dine doctors to prescribe her company’s prescription medicines. Because I know Montanans love a conspiracy theory, check out this site, "Payments to Montana Health Care Practitioners", to see if your doctor has … [Read more...] about Interesting
To illustrate what stacking is, let’s use the same hypothetical from my previous post. At least something’s going right after you get your leg run over by a car; your friend carries med-pay on her vehicle. But, she only carries $2,500 and you are going to owe the doctor $5,000. Although it'll be … [Read more...] about What is stacking?
I think, to illustrate what med-pay is, a hypothetical is in order. Let’s say that you and a friend are up in the woods one lovely fall day. You drive up in your friend’s car and didn’t realize that the road already has ice and snow on it. Bound and determined to make it to the trail-head, you … [Read more...] about What is Med-Pay insurance?
You don’t have to tell me that the cost of health-care is high. I just had a baby in February. We had a complicated pregnancy, requiring more tests than my first pregnancy. I am fortunate enough to have health insurance, but the plan is a high deductible one and once we’ve reached the deductible, … [Read more...] about Rising Health Care Costs