Massachusetts Personal Injury Library

Some health insurance isn't enough

Even people who have health insurance coverage are having problems with rising costs, to the point where it is causing some people to go bankrupt because they can’t pay their medical bills, according to a new article in The New York Times.

According to the Times, three quarters of people who had to file bankruptcy because of high medical bills had health care coverage; it just wasn’t enough. Federal legislators are working on finding a solution to the health care crisis.

Legislators are finding that some health insurance companies are selling policies that don’t cover a lot of medical expenses, called limited-benefit plans, according to the Times. When their policies can’t cover all of the medical expenses of major health problems, insured people can be inundated with high medical costs that they can never pay.

Underinsurance is the problem

Elizabeth Warren, a Harvard law professor who researched bankruptcies caused by medical bills, told the Times in the cases she studied many people were one diagnosis away from financial ruin.

The Children’s Defense Fund is collecting facts about the number of children who are uninsured, as well as those who are underinsured. Their statistics currently indicate that there are nine million children without health insurance. Those statistics show that millions more children are under-insured.

The Children’s Defense Fund is conducting a campaign urging all Americans to become involved in the discussion of health care reform and to give children a voice in this debate.

CDF Campaign

The Children’s Defense Fund campaign is called Speak Now for Kids in Health Reform. The campaign is urging parents, family members, health care providers and other advocates to tell Congress why children matter in health reform – through stories, photos and videos. They want parents to tell Congress their own health care stories to put a human face on this debate about major health care reform.

The Timessaid that health care advocates are urging Congress to pass legislation that guarantees that all people, including all children, have a base level of coverage.

When you are interviewing personal injury attorneys ask critical questions, like: how long have you been practicing; what is the largest settlement or verdict you've obtained, and do you have experience with injuries involving children? The Kiley Law Group, located in Andover, Massachusetts takes time when speaking with you about your case and works with you on a contingent basis so there are NO FEES unless our trained personal injury lawyers wins your case. Call now for a FREE evaluation of your case – 1-888-208-1695.