How Does Obamacare Affect My Personal Injury

Love it o

te it, it looks like the

ffo

ble Ce

ct (

"Ob

ce") is he

e to st

y. Fe

pieces of legisl

tion in my memo

y h

ve c

ted such cont

ove

nd conflict du

ing p

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

son

l inju

ccident cl

im. F

om my pe

spective, Ob

ce h

s signific

nt potenti

l to

ffect youights in

son

l inju

y cl

im in Tex

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

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yvictims.comp-content
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ds
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son
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ims-in-houston-tex
s.jpg">ss=”size-medium
p-im
ge-2300
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” 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>

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

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ve
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lth Insu

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ll?

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y, But He
e's The C
tch . . .

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