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Could my medical insurance company refuse to pay?
My son is on crutches after having surgery to lengthen his leg. He has an external fixator device on his right leg and it is attached to 7 pins that are inserted in to the bones in his tibia. This past week he fell because the floors of the school were wet due to students tracking in water from the rain.
His crutches slid out from underneath him and he fell onto the leg with the device and broke his leg further, requiring surgery to insert 3 more pins to stablize his leg.
Could my insurance company refuse to pay the claim because the school could be liable?
For those of you who feel they must judge a parent's decisions.....This procedure was done to prevent my son from having a hip replacement at the age of 40. So, Naz....before you judge, know your facts.
3 Answers
- MIKE YANTREELv 61 decade agoFavorite Answer
Your insurance company needs to seek damages from the school's insurance company. They may put this onto you and the school's insurance company will likely come through for you. Get the treatment done now and worry about the billing later. If need be, you can sue and get bills paid plus damages because the school is liable through their insurance company. Slam dunk.
- stanalandLv 45 years ago
You hit the important subject concerns nail on the pinnacle. by using regulation, governement-run well being care courses, which comprise Medicare, won't be able to negotiate with the drug agencies for decrease fees. the effect is that many people, particularly decrease earnings ones, won't be able to discover the money for their prescriptions, or they take 0.5 doses. advertising of pharmaceuticals must be banned. It forces docs to prepare drugs by using prescription by using fact sufferers are available and tell the surgeon what drugs they want. The surgeon writes the script to get the affected person to circulate away by using fact he gets so little in fee from the coverage firms that he won't be able to discover the money for to talk the techniques to the afvertised drugs the affected person needs. In my city we've 2 important hospitals. They each and each have their own MRI machines, and those machines are costly! We even have quite a few self sufficient MRI centers. yet once you're in a hospuital and want an MRI, the surgeon will in elementary terms permit you get it interior the well being facility -- which fees a minimum of 5 circumstances as much because it fees in an self sufficient MRI medical institution. the government money a superb style of the R&D od massive pharmas. yet while the analyze leads to a clean and widespread drug, the drug employer gets the patent(s) and each and all the sales. So in case you utilize that drug, you pay two times: First, you pay taxes to assist the R&D; 2d, you pay once you purchase the drug. the government ought to get a professional rata share of the salary from this manner of drug, which ought to circulate directly to subsidize government-run well being care courses. Tort reform might make a huge distinction. Malpractice awards are a small area of the priority. the massive and costly difficulty is protecting drugs, which reasons docs to reserve each achievable attempt to ward off the possibility that they are going to get sued. we've the terrific well being care in theworld, yet we do not have the terrific well being care equipment interior the worldwide. we are employing many docs out of the occupation by using fact money to carriers are too low. we've an acute scarcity of nurses. How are we going to function 40 six million people to the well being care rolls with out extra docs and nurses?
- 1 decade ago
Very possibly,normally your insurance company isnt going to want to pay for a accident which another party is responsible for.the schools insurance should be paying for the accident and all care related to it.