Medical insurance is a form of insurance that you can buy to help pay for any medical bills, regardless of the reason that you need medical treatment. There has been a lot of debate around medical insurance, now that the Affordable Care Act (Obamacare) was passed in 2010.
After a semi-truck accident:
If you or a loved one has suffered as a result of a semi-truck accident, you need to check your medical insurance, and your Med-Pay.
For your initial visits, you should pay with your medical insurance only, and pay your deductible cash. Keep the receipt and then use the receipt to get reimbursed by your Med-pay benefits (if you have them. These benefits will be part of your auto policy).
After the initial visit, if you have a serious or possibly long term injury, you should consider applying to get better medical insurance.
The basics of medical insurance:
Health insurance is a monthly payment in exchange for an insurance company to pay a majority of the medical bills that occur as a result of an accident, disability, or death. Obamacare made health insurance mandatory, and is trying to lower the cost of medical services. It remains to be determined of whether or not it will be successful.
There are all different tiers of health insurance. Some tiers pay for everything. Others require a deductible to be paid at every medical visit. A deductible is a certain amount of money that needs to be paid upfront for a medical service.
An example is a medical visit that will cost $100 dollars. Medical insurance will pay for 80% of the cost. Therefore the deductible for that medical visit is $20 dollars to receive the medical treatment. The deductibles vary based on the type of insurance you have.
There are two primary types of health insurance: HMOs and PPOs. HMO is an acronym for Health Maintenance organizations, while PPO is for Preferred provider organization.
Health Insurance for Semi Truck Accidents:
The health insurance you have cannot be altered or increased after you suffer a serious accident for the initial treatment. The date of the injury determines the insurance you have for those initial ER visits and procedures. However, after the accident, if you want to change your insurance, you may. However, when filling out new information you must provide truthful and accurate information. You must disclose that you are hurt, or currently suffering medical problems. Insurance companies cannot deny selling you insurance based off of prior medical injuries.
Therefore, if you believe you will have significant medical bills after a semi-truck accident, you should consider purchasing better insurance, as it will make your medical bills cheaper in the long run.