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Paul is injured in a car collision when the defendant runs through a red light and hits Paul's car in an intersection. Paul goes to the emergency room and attends physical therapy for the next two months as he recovers. He submits all of his medical bills to his health insurance company. A few months later, defendant's automobile insurance company accepts liability and offers Paul a settlement. Paul agrees accept the settlement only to learn that over half of the settlement will not go to him, but will go directly to his health insurance company as reimbursement for payment of the medical bills.
Paul is left wondering why does his health insurance company get paid more than he does? Better yet, why does his health insurance company get paid anything? After all, doesn't Paul pay premiums so that his health insurance will cover the bills?
Apr
18, 2024
Injuries caused by auto accidents are painful, expensive, and can even be life-altering. When victims survive car accidents, they want to believe that the worst is over. But for some, the medical and financial consequences are just beginning. Shock is not just a term for being surprised or upset. It is an actual medical condition […]
15, 2024
The widespread availability of fast internet access and camera-equipped laptops, desktops, tablets, and smartphones mean that telemedicine and virtual doctor appointments are more convenient, personal, and effective than ever before. These types of visits became more and more common during the height of the COVID-19 pandemic, and for many patients, they have continued to be […]
08, 2024
One of the most important aspects of being a doctor is accurately diagnosing patients with the diseases or illnesses they suffer from. Accurately diagnosing patients gives doctors a chance to come up with treatment plans to manage their patients’ symptoms and help them get better, including prescribing medications, recommending surgery, and creating lifestyle modifications. However, […]
01, 2024
When a bad outcome happens in medicine, whether it’s after a doctor prescribes a prescription drug or a surgeon completes an operation, it’s common for patients to wonder if they’re victims of medical malpractice. However, proving medical malpractice is notoriously difficult. That’s why many Ohio medical malpractice lawyers rely on the testimony of expert witnesses. […]
Mar
25, 2024
Even when maintained, set up, and operated safely, semi-trucks still pose risks to both their drivers and other drivers on Ohio’s roads. That’s because they outweigh the average passenger vehicle 20:1. Unfortunately, semi-trucks aren’t always hooked up properly or safely, and when they aren’t, devastating accidents can occur. One of the most dangerous events that […]
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