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"Even a dog distinguishes between being stumbled over and being kicked."
~ Oliver Wendell Holmes Jr., Supreme Court Justice

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. ...

I ran across an interesting article today about the concussion dangers to young athletes partcipating 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...

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 ...

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...

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...

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...