High-deductible health plans are essentially insurance policies that charge lower monthly premiums than traditional plans. Some employees choose this and can be more prone to serious personal injury because they do not seek treatment for minor personal injury.
If handled without medical care, minor ailments can sometimes turn into severe personal injuries if left untreated.
This firm’s San Diego personal injury attorneys know all t00 well that accidents can happen anytime, anywhere. We also know that minor injuries can become more serious if left untreated. For instance, whiplash — a common personal injury in car accidents — can become a more serious spinal cord injury, possibly causing paralysis if you do not properly treat it and you make it worse in another auto accident. Sounds hard to believe, but it has happened.
Another minor ailment, like a simple headache after a car accident, can again be a more serious brain injury like a concussion or bleeding in the brain. So you have to be careful if you don’t want to get treatment for your injuries.
High-deductible health plans are essentially insurance policies that charge lower monthly premiums than traditional plans because the consumer is responsible for paying the first $1,000 to $5,000 or more in medical bills before the insurance kicks in.
To encourage employees to choose a high-deductible option, many employers put money into employees’ bank account. Even if you can afford the costs, the loopholes that insurers often put into these plans to reduce premiums can mean that even after your deductible is met, you may not have the coverage you need to handle medical bills.
Not having health insurance is a big problem in America. Over 50 million people do not have health insurance, and the people who do have it may not have enough insurance if personal injury occurs.
Our San Diego personal injury lawyers believe that all people deserve health insurance. If you are worried about the high cost of medical bills, then check out our resources to help lower your medical bills as well as our medical treatment resources. You may even be able to find affordable treatment with a doctor.
Isn’t it better to foot the bill now with your wallet than later with your body?
Please feel free to call us now at 1-858-551-2090 or click here for a FREE CONSULTATION with an experienced personal injury lawyer. We have a large bilingual staff that can assist you in either English or Spanish.
SENIOR PERSONAL INJURY ATTORNEY & FIRM FOUNDER
Michael Pines is a former insurance company attorney who graduated from the University of California Hastings College of the Law in 1987. While he was an insurance attorney, he learned from behind the scenes how insurance companies work and how they decide how much 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. Learn more about Michael Pines