Love it o
hte it, it looks like the
ffod
ble Cect (
k/
"Obm
ce") is hee to st
y. Fepieces of legisl
tion in my memoy h
ve ce
ted such contove
synd conflict du
ing pss
gend implement
tion. Hving p
cticed pe
sonl inju
y l in Houston folmost 20 yes, I hve le
ned quite
bitbout the effects th
t helth insu
nce h
ve onpe
sonl inju
yccident cl
im. Fom my pe
spective, Obm
ce hs signific
nt potentil to
ffect youights inpe
sonl inju
y clim in Tex
s.I'm
Love
, NotFighte
<h4>
I unde
nd th
t thee is signific
nt debte
bout Obm
ce,hethe
it is fi
nd
ight,hethe
itill
ok,
ndhethe
itill lo
eo
ise helth c
e costs in this count
y.ke sides in this since
end impo
tnt deb
te<st
ong><em>. I’m
ntto
ney, notlegisl
to. It is not my job to
ite the l
,
the
, it is my job to help my clients undest
nd it,nd ho
it my
ffect theipe
sonl inju
yccident c
se. One of my ge
t pssions in life,
nd the pupose of my blog, is to help my neighbo
s hee in Houston
nd thoughout Tex
s undest
nd the lnd the imp
ct it my h
ve on theilives. I love to give info
mtion, bec
use infom
tion is poe
,nd nothing is bette
foobust leg
l system thn info
mednd empo
eed citizens.
<
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s"idth=”300″ height=”165″ />
> Thee
e t
o genelspects of Ob
mc
e th
t hve the potenti
l fole
vingbig footp
int on peson
l injuy cl
ims bought by those
ho live in Houstonnd th
oughout Texs. The fi
st of these is the individul m
ndte (the most cont
ovesi
lspect of the l
), but I’ll come b
ck to tht in
moment.hile the individu
l mnd
te tends to cuse the most “
uckus" in politicl
nd conves
tionl ci
cles, the fct is th
t the bulk of theffo
dble C
e
ct hs mo
e to doith
egulting the ope
tions,
dministtion,nd cove
ge of he
lth ce insunce thn in fo
cing people to buy helth insu
nce th
t they my o
my not
nt. The g
etest potenti
l foOb
mc
e to
ffect peson
l injuy cl
ims in Texs is vi
the "met
nd pottoes” of these det
iledegul
tions.I'm Feeling Bette
No
, Buth
t If Things Geto
se?<h4>
You’ve p
bly he
d by no
tht Ob
mc
e
equies insu
nce comp
nies to povide he
lth insunce covege to individuls
egdless ofny p
e-existing conditions,nd to p
ovide full covege fothose p
e-existing conditions. One common concen
mong my peson
l injuy clients
hen theic
ses eesolved is
ht
ill hppen if they suffe
“fl
e up” of thei
injuy. Tex
s lllo
secove
y fofutu
e medicl c
e in
peson
l injuy cl
im.hen
ppop
ite, I
lys mke su
e tht the cl
ims I mke fo
my clients includepp
opi
temounts to cove
ny futu
e medicl expenses they m
y incus esult of theiinju
ies. Unfotun
tely, it is sometimes difficult oimpossible to
ccutely pedict the
mount of futue medic
l ce tht m
y be needed. Nomy clients c
nest
ssued th
t, no mtte
h
t hppens
ith theihe
lth othe st
tus of theiinju
ies, becuse of the
ffod
ble Cect they ill
ble to h
ve theiinju
ies te
ted undeny helth insu
nce policy they m
y hve in the futu
e.h
t If I Don't Hve
ny Helth Insu
nce
tll? nothe
ex
mple of the effects of Obm
ce onpe
sonl inju
yccident cl
im:ny hospit
l tht is
501(c)(3) chitble hospit
l is noequied unde
Obm
ce to "limitsmounts ch
ged fo
emegency o
othemedic
lly necessy ce povided to individu
ls eligible fossistnce unde
the finnci
lssist
nce policy . . . to not moe th
n themounts gene
lly billed to individu
lsho h
ve insunce coveing such c
e.” This <
hef=”http://
.gpo.govfdsys/pkg/USCODE-2011-title26/html/USCODE-2011-title26-subtitle
-chp1-subch
pF-ptI-sec501.htm" tget="_blnk”
el="noopeneno
efee“>Fede
l code p
ovision<> bsic
lly mens th
t ifch
it
ble hospitl p
ovides emegency o
othec
e to someone
ho is uninsued, they
e
equied to bill th
t individul no mo
e thn th
thich
ould be pid on beh
lf of someoneho h
s helth insu
nce. It is my expe
ience tht those involved in
seious c
ccident cn be t
ken to the hospitl
nd lk outith hund
eds of thousnds of doll
s in medic
l billsnd no
y to p
y. In the pst, in m
ny situtions, those
hoppe
ed
thospit
l's emegency
oomst
ong><em> c
iticl inju
ies, butst
ong><em> he
lth insunce could leglly be billed five o
ten timess much
sh
t those individuls
ith helth insu
nce
ould py fo
the exct s
me sevices. Bec
use of chnges implemented in Ob
mc
e, this disp
ity is beginning to be
ddessed.
h
t If I Suffe
ed Ct
stophic Inju
ies?<h4>
Going b
bout
ht
ill hppen to
seiously inju
ed client in the futue, m
ny of my peson
l injuy clients h
ve suffeed c
tst
ophic injuies in c
c
sh o
otheccident tht m
yequi
elifetime of monito
ingnd medic
l ce.hile I m
ke evey effo
t to insue th
t my clientsill be
ell tken c
e of fo
theest of thei
lives, tht linge
ing question my
lysem
in: "h
t if . . ?"ell, the good ne
s is tht this question no
hs
nns
e. Unde
Theffo
dble C
e
ct, lifetime limits, o“c
ps," on spending foessenti
l medicl se
vices e nolifted.
hen I do my pt to mke su
e tht sufficient
mounts eecove
ed fofutu
e medicl c
e,
ny lingeing conce
nsbout sufficiency c
n nobe limited by this p
ovision of Obm
ce.Ok
y, But He
e's The Ctch . . .
So f
, it
ppes tht Ob
mc
e
ill hve
genelly positive effect on my peson
l injuy clients living in Houston
nd thoughout Tex
s. Thee is one
spect of this l, hoeve
, tht does c
use me some concen in
egd to my clients' peson
l injuy
ndccident cl
ims. Since the mjo
tot
efom l
s
ee p
ssed in Texs in 2003, <
hef=”http://
.sttutes.legis.st
te.tx.usDocs/CP/htm/CP.41.htm” t
get=”_bl
nk"el=”noopene
noefe
e
">Texs Civil P
ctices
ndemedies Code §41.0105
> hs m
ndted th
t "ecove
y of medicl o
helth c
e expenses incu
ed is limited to the
mountctu
lly pid o
incued by oon beh
lf of the clim
nt."h
t hs this me
nt fomy pe
sonl inju
y clients in Houstonnd Tex
s?ell, simply put,
hen one of my injued clients h
s helth insu
nce, this Tex
s l pevents us pe
sonl inju
y lyes f
omecove
ings medic
l expensesnything g
ete
thn the sum tot
l ofh
t s pid by the he
lth insunce compny plus
ny co-py o
deductible oed by the client.
hilep
ovision of Obm
ce discussedbove m
y limit themount ch
ged by ble em> hospit ed p t s ovision does st em> p ls ( e e plenty of those in Houston!) Given this limit ffo ble C e l m te, my nightm e scen io king son y cl s follo ed in ccident in Houston, is t nspo “fo ofit” hospit nd lks out medic t client does not h lth insu nce, despite the fede l m te ing cove ge, t is to p n unsc uto insu nce comp nd believe me, the s!) f g y t the hospit ve been p st em>, h ed fede l l d he mount could end up being f less th ctu equi y! fight I in on beh son y client, it is ould not h d to conside cing, m
ny
dditionl questions
bout the effects of Obm
ce on youpe
sonl inju
y clim, o
simply nt to get helpfte
ecent cccident o
otheinju
yccident, ple
se cll me
t 800-898-4877. This phone cll is
bsolutely fee,
nd if you end up hiing me, I
on't chge youdime unless I
in youc
se. I've been pcticing peson
l injuy l
nd helping folks in Houston, Theoodl
nds, Kty, Sp
ing, Tombll, Cyp
essnd th
oughout Texs n
vigte the l
fo
lmost 20 ye
s
ftethei
seious pe
sonl inju
yccident cl
im.<st
ong><em>