While the federal administration attempts to expand health-care coverage to uninsured Americans, some local state organizations have taken their own steps to get their workers proper health coverage for personal injury.
Our firm’s San Diego personal injury lawyers believe this plan provides some coverage for those that do not have coverage. At $60 a month, the coverage is not the best you can buy, but something is better than nothing if you get into a car crash or suffer from serious personal injuries. How will you pay your medical bills without health insurance?
If you have any questions about paying medical bills with or without health insurance, having some answers to those questions is a lot better than trying to figure it out blind. The medical bills resource page provided by our personal injury lawyers is a good start.
Local organizations have stepped in and done what the federal government has not been able to. This is a creative approach for workers at a small business to get the coverage they need in case they get into a car accident or suffer from any type of personal injury.
According to the Kaiser Family Foundation, 32 percent of workers at companies with fewer than 25 employees were uninsured in 2007, and 21 percent of employees at firms with 25 to 99 workers had no coverage.
Those statistics worry us as San Diego personal injury lawyers. We believe that not enough people have proper medical care if they suffer from serious spinal cord injuries, neck and back injuries or whiplash as a result of a car accident or other serious injury.
In Galveston, Texas, the University of Texas Medical Branch (UTMB) hospital began providing coverage to over 400 employees of small businesses for $60 a month plus co-payments. Programs like this also exist in nonprofit groups in Minnesota and Colorado.
The UTMB plan in Galveston pays for 20 doctor visits per year and covers maternity care, ER visits, medical imaging (i.e. CT scans and MRIs) and surgery. People enrolled can only go to UTMB and its doctors. The coverage limits are a little lower than most insurance plans: $1,200 per year for drugs, and a lifetime cap of $250,000. Unfortunately, family members are not covered.
Please contact us for a free consultation with an experienced personal injury lawyers — we speak both English and Spanish — at (800) 655-6585. Click here and you may also submit your case for a Free Review. No fee if no recovery.
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