Daily News Updates - Health Insurance News

Hidden Dangers of Inadequate Health Insurance, Pt.2 – Understanding ‘adjustments’.

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Four hours later the diagnosis the patient had been trying to get across was finally confirmed scientifically. “A broken collarbone and two broken ribs. The same broken bones that had been used to hoist the patient from place to place, just to find that out. One hour after, it’s out on the street. But the worst was still yet to come. No-fault auto-insurance came into play. A plethora of all the many huge medical bills that seemed to come from the trauma center’s many ‘cousins and uncles’ like the Paramedics, ER physicians (LLCs, of course), ‘diagnostic imaging’, etc. would flood in, like the following wave on a stormy beach. Even before they would arrive, however, the phone would ring from the friendly no-fault auto-“health insurance” adjuster. Like any diligent adjuster, she had called to adjust health insurance liability. The adjustment was to inform that the no-fault auto-“health insurance” would pay for $8,000 in medical claims. Sounded good, that should do it. The next news was that the first claim received was from the trauma center and was for $18,000!

So the no-fault auto-“health insurance” paid $8,000 toward the one bill, leaving the remaining $10,000 on the shoulder (the broken shoulder, of course) of the patient. So now the no-fault auto-“health insurance” was clear of any more paperwork from the host of many thousand dollars worth of claims in the mail from all the ancillary services. All of those would find their way to the doorstep of the patient also.

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