News & opinion How Does Obamacare Affect My Personal Injury Accident Claim in Texas?

How Does Obamacare Affect My Personal Injury Accident Claim in Texas?

Love it o

h

te it, it looks like the

ffo

d

ble Ce

ct (

k/

"Ob

m

ce") is he

e to st

y.  Fe

pieces of legisl

tion in my memo

y h

ve c

e

ted such cont

ove

sy

nd conflict du

ing p

ss

ge

nd implement

tion.  H

ving p

cticed pe

son

l inju

y l in Houston folmost 20 yes, I h

ve le

ned quite

bit

bout the effects th

t he

lth insu

nce h

ve on

pe

son

l inju

y

ccident cl

im.  F

om my pe

spective, Ob

m

ce h

s signific

nt potenti

l to

ffect youights in

pe

son

l inju

y cl

im in Tex

s.

I'm

Love

, Not

Fighte

<

h4>
I unde

st

nd th

t the

e is signific

nt deb

te

bout Ob

m

ce,

hethe

it is f

i

nd

ight,

hethe

it

ill

o

k,

nd

hethe

it

ill lo

e

o

ise he

lth c

e costs in this count

y.  ong>It is not my pu

pose in this ticle to t

ke sides in this since

e

nd impo

t

nt deb

te<

st

ong><

em>.  I’m

n

tto

ney, not

legisl

to

.  It is not my job to

ite the l

,

the

, it is my job to help my clients unde

st

nd it,

nd ho

it m

y

ffect thei

pe

son

l inju

y

ccident c

se.  One of my g

e

t p

ssions in life,

nd the pu

pose of my blog, is to help my neighbo

s he

e in Houston

nd th

oughout Tex

s unde

st

nd the l

nd the imp

ct it m

y h

ve on thei

lives.  I love to give info

m

tion, bec

use info

m

tion is po

e

,

nd nothing is bette

fo

obust leg

l system th

n info

med

nd empo

e

ed citizens.

<

h

ef=”https://c

inju

yvictims.comp-content

uplo

ds

2013/11/ob

m

c

e-effect-on-pe

son

l-inju

y-cl

ims-in-houston-tex

s.jpg">ss=”size-medium

p-im

ge-2300

ligncente

” s

c="https:

/c

inju

yvictims.comp-content

uplo

ds

2013/11/ob

m

c

e-effect-on-pe

son

l-inju

y-cl

ims-in-houston-tex

s-300x165.jpg"

lt=”ob

m

c

e effect on pe

son

l inju

y cl

ims in houston tex

s"

idth=”300″ height=”165″ /> > The

e

e t

o genel

spects of Ob

m

c

e th

t h

ve the potenti

l fo

le

ving

big footp

int on pe

son

l inju

y cl

ims b

ought by those

ho live in Houston

nd th

oughout Tex

s.  The fi

st of these is the individu

l m

nd

te (the most cont

ove

si

l

spect of the l

), but I’ll come b

ck to th

t in

moment. 

hile the individu

l m

nd

te tends to c

use the most “

uckus" in politic

l

nd conve

s

tion

l ci

cles, the f

ct is th

t the bulk of the

ffo

d

ble C

e

ct h

s mo

e to do

ith

egul

ting the ope

tions,

dministtion,

nd cove

ge of he

lth ce insunce th

n in fo

cing people to buy he

lth insu

nce th

t they m

y o

m

y not

nt.  The g

e

test potenti

l fo

Ob

m

c

e to

ffect pe

son

l inju

y cl

ims in Tex

s is vi

the "me

t

nd pot

toes” of these det

iled

egul

tions.

I'm Feeling Bette

No

, But

h

t If Things Get

o

se?<

h4>
You’ve p

ob

bly he

d by no

th

t Ob

m

c

e

equi

es insu

nce comp

nies to p

ovide he

lth insunce covege to individu

ls

egdless of

ny p

e-existing conditions,

nd to p

ovide full covege fo

those p

e-existing conditions.  One common conce

n

mong my pe

son

l inju

y clients

hen thei

c

ses e

esolved is

h

t

ill h

ppen if they suffe

“fl

e up” of thei

inju

y.  Tex

s l

llo

s

ecove

y fo

futu

e medic

l c

e in

pe

son

l inju

y cl

im.  

hen

pp

op

i

te, I

lys m

ke su

e th

t the cl

ims I m

ke fo

my clients include

pp

op

i

te

mounts to cove

ny futu

e medic

l expenses they m

y incus esult of thei

inju

ies.  Unfo

tun

tely, it is sometimes difficult o

impossible to

ccutely p

edict the

mount of futu

e medic

l ce th

t m

y be needed.    No

my clients c

n

est

ssu

ed th

t, no m

tte

h

t h

ppens

ith thei

he

lth o

the st

tus of thei

inju

ies, bec

use of the

ffo

d

ble Ce

ct they ong>

ill ong> be

ble to h

ve thei

inju

ies t

e

ted undeny he

lth insu

nce policy they m

y h

ve in the futu

e.

h

t If I Don't H

ve

ny He

lth Insu

nce

t

ll?

nothe

ex

mple of the effects of Ob

m

ce on

pe

son

l inju

y

ccident cl

im: 

ny hospit

l th

t is

501(c)(3) chit

ble hospit

l is noequi

ed unde

Ob

m

ce to "limits

mounts ch

ged fo

eme

gency o

othe

medic

lly necessy ce p

ovided to individu

ls eligible fossist

nce unde

the fin

nci

l

ssist

nce policy . . . to not mo

e th

n the

mounts gene

lly billed to individu

ls

ho h

ve insunce cove

ing such c

e.”  This <

h

ef=”http://

.gpo.gov

fdsys/pkg/USCODE-2011-title26/html/USCODE-2011-title26-subtitle

-ch

p1-subch

pF-ptI-sec501.htm" tget="_bl

nk”

el="noopene

no

efee

“>Fede

l code p

ovision<> b

sic

lly me

ns th

t if

ch

it

ble hospit

l p

ovides eme

gency o

othe

c

e to someone

ho is uninsu

ed, they

e

equi

ed to bill th

t individu

l no mo

e th

n th

t

hich

ould be p

id on beh

lf of someone

ho h

s he

lth insu

nce.  It is my expe

ience th

t those involved in

se

ious c

ccident c

n be t

ken to the hospit

l

nd lk out

ith hund

eds of thous

nds of doll

s in medic

l bills

nd no

y to p

y.  In the p

st, in m

ny situ

tions, those

ho

ppe

ed

t

hospit

l's eme

gency

oom ong>

ith<

st

ong><

em> c

itic

l inju

ies, but ong>

ithout<

st

ong><

em> he

lth insunce could leg

lly be billed five o

ten times

s much

s

h

t those individu

ls

ith he

lth insu

nce

ould p

y fo

the ex

ct s

me se

vices.  Bec

use of ch

nges implemented in Ob

m

c

e, this disp

ity is beginning to be

dd

essed.

h

t If I Suffe

ed C

t

st

ophic Inju

ies?<

h4>
Going b

ck to the questions

bout

h

t

ill h

ppen to

se

iously inju

ed client in the futu

e, m

ny of my pe

son

l inju

y clients h

ve suffe

ed c

t

st

ophic inju

ies in c

c

sh o

otheccident th

t m

y

equi

e

lifetime of monito

ing

nd medic

l ce. 

hile I m

ke eve

y effo

t to insu

e th

t my clients

ill be

ell t

ken c

e of fo

the

est of thei

lives, th

t linge

ing question m

y

lys

em

in:  "

h

t if . . ?" 

ell, the good ne

s is th

t this question no

h

s

n

ns

e

.  Unde

The

ffo

d

ble C

e

ct, lifetime limits, o

“c

ps," on spending fo

essenti

l medic

l se

vices e no

lifted. 

hen I do my pt to m

ke su

e th

t sufficient

mounts e

ecove

ed fo

futu

e medic

l c

e,

ny linge

ing conce

ns

bout sufficiency c

n no

be limited by this p

ovision of Ob

m

ce.

Ok

y, But He

e's The C

tch . . .

So f

, it

ppes th

t Ob

m

c

e

ill h

ve

genelly positive effect on my pe

son

l inju

y clients living in Houston

nd th

oughout Tex

s.  The

e is one

spect of this l, ho

eve

, th

t does c

use me some conce

n in

egd to my clients' pe

son

l inju

y

nd

ccident cl

ims.   Since the m

jo

to

t

efo

m l

s

e

e p

ssed in Tex

s in 2003, <

h

ef=”http://

.st

tutes.legis.st

te.tx.us

Docs/CP/htm/CP.41.htm” t

get=”_bl

nk"

el=”noopene

no

efe

e

">Tex

s Civil P

ctices

nd

emedies Code §41.0105 > h

s m

nd

ted th

t "

ecove

y of medic

l o

he

lth c

e expenses incu

ed is limited to the

mount

ctu

lly p

id o

incued by o

on beh

lf of the cl

im

nt." 

h

t h

s this me

nt fo

my pe

son

l inju

y clients in Houston

nd Tex

s? 

ell, simply put,

hen one of my inju

ed clients h

s he

lth insu

nce, this Tex

s l p

events us pe

son

l inju

y lye

s f

om

ecove

ing

s medic

l expenses

nything g

e

te

th

n the sum tot

l of

h

t s p

id by the he

lth insunce comp

ny plus

ny co-p

y o

deductible o

ed by the client. 

hile

p

ovision of Ob

m

ce discussed

bove m

y limit the

mount ch

ged by ong>chit

ble ong><

em> hospit

ls to uninsu

ed p

tients, th

t s

me p

ovision does ong>not<

st

ong><

em>

pply to "fo

p

ofit" hospit

ls (

nd believe me, the

e

e plenty of those in Houston!)

Given this limit

tion of the

ffo

d

ble C

e

ct, plus the effect of the individu

l m

nd

te, my nightm

e scen

io

s in m

king

pe

son

l inju

y cl

im is

s follo

s:  My client is inju

ed in

c

ccident in Houston, is t

nspo

ted to

“fo

p

ofit” hospit

l,

nd

lks out

ith

medic

l bill of $50,000.00.  If th

t client does not h

ve he

lth insu

nce, despite the fede

l m

nd

te

equi

ing cove

ge,

h

t is to p

event

n unsc

upulous

uto insu

nce comp

ny (

nd believe me, the

e e plenty of those in Tex

s!) f

om only

g

eeing to p

y

h

t the hospit

l ong>

ould h

ve been p

id<

st

ong><

em>, h

d my client follo

ed fede

l l

nd h

d he

lth insunce covege?  This

mount could end up being f

less th

n the bill my client is

ctu

lly

equi

ed to p

y! 

hile this is

fight I

ould fight to the end to

in on beh

lf of my pe

son

l inju

y client, it is

fight I

ould not h

ve h

d to conside

f

cing,

bsent the effects of Ob

m

ce. ong>If you h

ve

ny

ddition

l questions

bout the effects of Ob

m

ce on you

pe

son

l inju

y cl

im, o

simply nt to get help

fte

ecent c

ccident o

othe

inju

y

ccident, ple

se c

ll me

t 800-898-4877.  This phone c

ll is

bsolutely f

ee,

nd if you end up hi

ing me, I

on't chge you

dime unless I

in you

c

se.  I've been pcticing pe

son

l inju

y l

nd helping folks in Houston, The

oodl

nds, K

ty, Sp

ing, Tomb

ll, Cyp

ess

nd th

oughout Tex

s n

vig

te the l

fo

lmost 20 ye

s

fte

thei

se

ious pe

son

l inju

y

ccident cl

im.<

st

ong><

em>

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