by shawna_hottie_2006 » Thu Apr 17, 2008 11:42 am
A while ago I was in an accident and just found out the people did not have much insurance. I have lost wages, atty fees and future medical costs (lifetime med. costs). What can I access my own underinsurance on my policy for. I am not too worried about med. in the near future because my hausband has pretty good coverage. What about the atty. and pain and suffering. I don't want to sound like a money hog but once I pay the atty and recover my lost wages that doesn't leave much od an award for a lifetime of lim itations and pain.
Posted: Wed Apr 23, 2008 08:28 pm Post Subject:
Got back a while ago from my appointment. We are sticking to the trigger point injection except for the next one will be given directly in to my elbow. (not looking forward to that). I asked the doc to be straight up front with me. He says he feels badly for my situation and wishes he could do more but he still says its only pain management from here on out. It is very unlikely, he hasn't seen it happen in any case, that my arm will ever go down to the size it was before. I just have to accept the fact that it isn't going to get better but he will do everything he can to make it managable. This guy is such a sweetheart. I haven't seen many docs like him. So Its pretty much the same verdict. I guess as long as I don't hold my arm next to the other no one will see that it is twice the size, although I'm sure they will see the purplish bruise. Or better yet they will think I'm muscular..just joking. talk to ya soon.
Posted: Thu Apr 24, 2008 09:35 am Post Subject:
What happens if we can't get the records?
Those injuries will NOT be considered in the evaluation of yours or your daughters injuries and more importantly the bills will not be paid, your claim will be settled and then you will owe the chiropractor...call the chiro and tell them you are also following up this conversation with a letter that if the insurance company doesn't have the bills and records within 30 days of your conversation then you and the insurance company will assume they will not be presenting any bills....(that'll move them!)I have trigger point injections periodically in my neck (and back and head) as well...for me they only last about 48 hours at best...so if they help you then keep on them! I'd say....Your attorney would be the best to advise you and if the other party has low limits then you will probably know as soon as the insurance companies first counter offer (saying we only have 'blank' much money)....
I agree if you are not going to improve then it is time to move forward with the settlement and atleast try and elevate the financial hardship you are under....my prayers and best wishes are with you....(both)
Posted: Thu Apr 24, 2008 10:36 pm Post Subject:
Thank you Lori for your help. I am glad that I am making the right decision about settlement. I was worries that maybe I was pushing the atty to soon. Wow I feel sooo bad that the trigger points only help you for such a short time. How else do you manage the pain in between? I use lidoderm patches and high strenghth Motrin. It was a choice I made myself. I refuse ant narcotics or drug that will interfere with my mental state. I walked that road with my son for five years and all my preaching and the outside help didn't do any good. I'm not against narcotics. I know they have good purposes. I just have a deeply set fear of them and having them in my house with my daughter. I will suffer through hell and back before I ever go through what I just did with my son. Anyway Thank you again. I have really come to respect you and admire you since joining this site. You seam like a very sweet person. See you around the forum.
Posted: Fri Apr 25, 2008 09:48 am Post Subject:
I have two different pain patches, and alternate 'nerve' pain drugs...maybe I should clarify, the plain old trigger point injections only last that long, the ones that the doc can put steroids in (three or four times a year) last about four days to a week...also the first two bo-tox injections worked pretty good, then stopped working...as with many other folks, you just put your head down, and keep on climbing the hill... :wink: belly achin' don't do much good...i wear an awful lookin' back brace when I know I'm going to be doing things that are going to cause a lot of trouble....I have two massage chairs, and more ice and heat packs than you can imagaine.. :roll:
Posted: Sat Apr 26, 2008 01:51 am Post Subject:
I can feel for ya there. Got those pain patches myself. Lyrica didn't work for me..too many side effects. Massage chairs are great but they need to make one for the arm. I keep getting mixed reviews on ice packs. One doc says use them 20 min. on 29 min. off...other says it only irritates RSD. I do love the heat though. It does alleviate it some. Do you alternate between two different pain patches. My patch does a pretty good job but I can only wear it for 12 hrs. The doc really wants me to use Flector patches but auto rejected them (found out today it has exhausted) and my insurance doesn't cover them either. They are way too expensive for me to purchase so that leaves me..well nowhere.
I called my health insurance company about the exhausted benefits fro auto and they were absolutely wonderful in assisting me on the steps I need to take next. I am very fortunate there. The ran my benefit plan and I will have no out of pocket expense on the trigger points at all.
My worry now is how many bills I will be recieving since it has exhausted. You know how some places wait forever to bill. I have co-pays on docs and meds. They will more than likely submit to my personal ins. but I am sur there will probaly be left over amounts...Ugghh wish this was OVER.
Posted: Sat Apr 26, 2008 11:13 am Post Subject:
you shouldn't have anything out of pocket well depending on the other parties policy limits....but normally you shouldn't .... when is your attorney going to make the demand?
Posted: Sat Apr 26, 2008 11:15 pm Post Subject:
They are requesting all my records from the doctors who were handling this matter as we speak. They said it could still be another 60 days. I asked if they had any idea of the other persons policy limits and they said they wouldn't know that until the first offer came in. I don't understand how that will give them any idea of ins. coverage.
They atty assistant informed me on Friday that I (my private ins) is now responsible for my med. bills and that I should keep track of anything out of pocket and send them reciepts. I have a $20 co pay on docs..perscription pay of $20. Thats all I can think of that I will have to paY BUT THEY DO ADD UP QUICKLY. I honestly don't understand how anything works to be very truthful with you. I was use to auto covering everything and I was going by what my atty said.
What I don't understand is once they submit the claim and I am still paying for these co pays out-of-pocket how will I get reimbursed if it is already all submitted? Another thing I am not understanding is that in the beginning I was to keep track of all my mileage to and from docs. I asked her if I should send that to her now and she said "well it really doesn't matter but send it anyway" I'm like HUH? doesn't matter to whom? Has she seen the gas prices ? Does she relize since this happened all I have been doing is going to doc appointments? Some of these were 100 miles round trip (special trsting..only available at big city hosp.). So to me it really does matter.
They aren't concerned about having the chiro reports for me but they are my daughter...My head is really spinning. Talk about confused. Everytime I ask the assistant what she means she replies "we have enough". I have NEVER been through this because my one and only wreck (not my fault either) back in 2002 I didn't have full tort. I just added the vehicle by phone when I got it a couple months prior and told them to set it up with the same ins. as my other vehicles (full tort).They didn't. Bet I am really giving you a headache huh? Sorry.
Posted: Sun Apr 27, 2008 12:28 pm Post Subject:
I asked if they had any idea of the other persons policy limits and they said they wouldn't know that until the first offer came in.
states and companies differ on this where i am and two carriers i have worked for, limits are a highly guarded secret and never to be disclosed unless it's obviously a limits case or court ordered....I don't understand how that will give them any idea of ins. coverage
Well if you have say 15k in actual medical bills and they have 10-20k, they would probably come right back to the atty advising, that this is it...''all we have is ''x'' amount how about signing a release for this amount''....then your atty would probably recommend you doing so then filing a UIM claim with your carrier, unless the 'at fault' party is very very very wealthy..What I don't understand is once they submit the claim and I am still paying for these co pays out-of-pocket how will I get reimbursed if it is already all submitted?
well you won't once it's settled unless maybe there is still some medpay or you negotiate an open ended release for a period of time...Another thing I am not understanding is that in the beginning I was to keep track of all my mileage to and from docs. I asked her if I should send that to her now and she said "well it really doesn't matter but send it anyway" I'm like HUH? doesn't matter to whom? Has she seen the gas prices ? Does she relize since this happened all I have been doing is going to doc appointments? Some of these were 100 miles round trip (special trsting..only available at big city hosp.). So to me it really does matter.
you are intitled to that...only thing i can think of is the paralegal thinks it's a limits claim maybe and is well over the limit...but if you have UIM it would still be important to include everything and get an actual value of the entire claim...They aren't concerned about having the chiro reports for me but they are my daughter
why aren't they? who is going to pay those bills then? (for you?)My head is really spinning. Talk about confused. Everytime I ask the assistant what she means she replies "we have enough".
I'll bet it is mine is too! :? Look sometimes people (you and others in your position) forget that this atty and his/her office work for you! not the other way around, they stand to make a pretty big pay day with little effort...do not let them off so easy! keep them on the phone until you fully understand everything! and if you need to tell them that, ''hey, listen i know i'm small potatoes to you maybe, i know you have tons of cases, but i only have this one, and i need you to spend some time with me fully explaining everything after all you are getting paid for this'...i mean it...you are 'owed' a complete understanding of everything going on about your claim...!!!!!!!! no, not giving me a head ache, just wondering, and a little ticked off, (at the atty)..... :x get yourself a full list and call them back, and don't let them off the phone till you have full comprehension of what is going on (then tell us! :wink: )Posted: Mon Apr 28, 2008 02:03 am Post Subject:
Thanks for getting back so quickly. I am gonna call the chiro myself on Wed. since I am off work that day. I know the atty sent out another letter to him last over a week ago. I have tried EVERYTHING to get records from him. Even visiting the office specifically for this reason before he left. The atty's have sent numerous letters and the new chiro has called him, I have called. He promises to send and I tell him he really needs to especially because of billing purposes, still never happens. I am now wondering if maybe he misplaced them.
My med bills just reached $5,000 without chiro billing but it is not going to end there...lots more trigger points, when that doesn't work possibly something else. Now doc wants me to mix in a little massage therapy to make the time between shots longer. So I am sure the bills are gonna be forever and never ending. That is something I'll cross when I get there.
Assuming I have already maxed my auto med (I'll be increasing that soon, never relized how low it was until this) and worrying about her coverage limits I'm afraid to start something else in treatment because my private health sometimes does not cover at 100%. Depends on what it is. They can cover as much as 100%(usually hosp. and tests) or as low as 50%. I am going to make a list up and give the atty a call at the end of this week to see if they heard anything from chiro. and to see what they plan on doing with my daughters case if there are no chiro records.
I'll keep you posted. thanks for your help.
Posted: Mon Jan 05, 2009 10:07 pm Post Subject:
Fireyone,
I thought I wouls stop back and see how you were doing. I finally got everything worked out and settled with the insurance company. I did not make out that well but I am more concerned with my health. I remember you commenting about having "the same thing but different name." What is it that your doctors are doing for you and how is it working out? I am not finding much help at all with this and thought I would come back and see if you were still here. If so could you let me know what treatments they are doing and if it is helping. I am getting frustrated.
Add your comment