With the economy in ruins many employers have been forced to drop their employees health coverage. People who have lost their employer-provided health insurance because of a layoff, early retirement or other reasons are now facing high medical bills if they suffer a personal injury.
Our firm’s experienced San Diego personal injury attorneys understand that a person may suffer any number of personal injuries at any given time in a car accident, such as spinal cord injuries and emotional trauma. Personal injury can lead to lost wages if they force you out of work and can cause high medical bills.
People who have lost their health insurance are forming a small business, or using an existing one, to buy a group policy.
The strategy is used by groups as small as one person, and is particularly useful for people with chronic health problems — so-called pre-existing conditions — that insurers refuse to cover or that result in steep premiums. Group health plans, under federal law, are required to cover such conditions, as long as the individual doesn’t go uncovered for more than 63 days.
Sara Brown, a 51-year-old massage therapist in business for herself, didn’t think she could qualify for group health insurance. But after an insurance company quoted her an individual policy that cost $1,200 a month and excluded coverage of her anxiety disorder, for which she takes daily medication, she sought help from Maura Carley, president and chief executive of Healthcare Navigation LLC, a Fairfield, Conn., firm that provides health-insurance advocacy for individuals, families and businesses.
Ms. Carley showed Ms. Brown that she was able to qualify for group coverage as a “sole proprietor.” Now she pays $800 a month for comprehensive coverage. “Group coverage is the only way to get coverage you can possibly afford” with a pre-existing condition, Ms. Brown says.
Suppose a loved one or you suffered a personal injury or wrongful death and did not have insurance which led to high medical bills.
As personal injury attorneys in San Diego, we believe that if you suffer an injury in a car accident and are not insured that in addition to causing you pain and suffering you can get high medical bills and lost wages.
Call us now or click here for a FREE CONSULTATION with an experienced personal injury attorney as to how we may help you at 1-800-655-6585. We look forward to providing good advice to help you make smart decisions about your case in either English or Spanish.
About Michael PinesMichael Pines is a former insurance company attorney who specializes in car accident injury. While he was an insurance attorney, he learned from behind the scenes on how insurance companies work and how they decided to pay injured people. Now that he works against insurance companies, Michael's inside knowledge has resulted in significant benefits to his clients injured in car accidents.
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Tags: health insurance, lost wages, medical bills
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