Articles of interest to a personal injury attorney handling uninsured and under-insured personal injury plaintiffs who many need help paying for medical care
There is a significant pleasing joy that I get when I’m sitting with my case research and I’m anticipating opposing counsel’s next move and then I preemptively respond before he makes his next move. It is quintessential chess, and for me that’s what makes me work long hours. Not to pay the bills, but to have a mastery of litigation.
“I respect the law and I trust my skill.”
Mr. Willie G. Johnson, Jr.
Just as COVID has advanced telemedicine to where it has now been approved by Medicare and thereby nearly all private health insurance under the President’s 1135 waiver authority and the Coronavirus Preparedness and Response Supplemental Appropriations Act, our legal authority to work remotely has also been advanced due to the Judicial Council of California’s response to COVID.
In this Concussive Brain Injury webinar replay Dr. Nathan Zasler, who is subspecialty certified in brain injury medicine and an internationally known expert in the field of brain injury, reviews current concepts and limitations regarding:
– Concussive brain injury classification
– Treatment and outcomes
He also discusses some of the confounds that lawyers should be aware of in the context of examining cases of claimed concussive brain injury and has provided several articles that were mentioned during the webinar.
What is Quantitative Pupillometry?
It’s a quick, noninvasive, method of analyzing changes in pupil size that may indicate signs of brain injury much quicker, and less costly, than other methods – it may become a handy tool for helping to determine if your clients have also sustained a TBI even if there are no obvious signs of a brain injury.
QP is becoming more common and only takes approximately 2 minutes to administer.
Medical Funding is provided by a medical funding company that may purchase medical bills, often associated with a plaintiff involved in a personal injury case, from a medical provider at an agreed upon rate.
Otherwise, what is an attorney to do if their uninsured or underinsured plaintiff needs medical help, but they are not able to find a medical provider who will accept a medical lien to provide the needed services?
What is Medical Funding?
In its simplest form, medical funding is a service that is offered by a medical funding company where medical bills associated with a personal injury case can be purchased from a medical provider who may not want to hold a lien and have to wait for a legal case to settle before they are paid.
Watch this recorded webinar with Dr. Nathan Zasler, founder, CEO and CMO of the Concussion Care Centre of Virginia and Tree of Life Services, where you’ll learn about the changing healthcare environment and how it is impacting TBI care.
Specifically, neurorehabilitation across the severity spectrum, focusing on the importance of specialized post-acute transitional and long-term services for those with more complex or catastrophic acquired brain injuries.
In 2014, an estimated 2.5 million people visited an emergency department for a Traumatic Brain Injury-related injury, 13.2% of those with a TBI diagnosis in the ED were due to a motor vehicle accident.
From 2006 to 2014 there was a 24% increase for TBI-related ED visits as a result of motor vehicle crashes according to the U.S. Centers for Disease Control and Prevention (“CDC”). A majority of these ED patients, over 2.2 million, were treated and released from an emergency department with no hospitalization.
In 2016, motorcyclists were 28 times more likely than passenger car occupants to die in a crash per vehicle mile traveled, and almost 5 times more likely to be injured. There are over 100,000 motorcycle accidents a year…When a motorcyclist wakes up in the hospital, their first question is often how they will pay for their medical bills. Many motorcyclists do not have health insurance. Many others are under-insured with insurance that doesn’t cover all of the post-hospital care they need. Still others have thin coverage with high deductibles, leaving them with huge out-of-pocket costs.
Injured motorcyclist suffered broken bones, internal organ damage, and a traumatic brain injury that put him in a coma for months, even though he was wearing a helmet. He was hospitalized for 14 months and is confined to a wheelchair and in need of 24-hour assistance for the rest of his life. He had no health insurance coverage for the treatment that his medical providers recommended. His medical providers agreed to treat him when HMR became involved.
The team at HMR decorated a bubble gum machine pumpkin for the 8th Annual Pumpkin for Kid’s decorating contest, which benefits the Children’s Hospital Foundation. Our pumpkin is proudly on display at the Childrens Hospital of Richmond at VCU!
A special thanks to all of the companies that came together this year to decorate pumpkins to bring to children and families during their time in the hospital. There were 93 large pumpkins decorated this year, we can’t wait to see the designs next year!
All of us at HMR are truly honored to have been chosen as the best Medical Funding Company in Virginia by the attorneys that we’ve helped with many of their toughest personal injury cases.
Please let us know if you ever have an uninsured or underinsured client in need of medical funding while you fight for the justice they deserve! We can help plaintiffs nationwide with their medical funding needs. 888-377-1245 or [email protected]
John Romano of Romano Law Group in West Palm Beach, Florida discussing why he chose HMR for his plaintiff’s medical funding needs.
Understanding how and when to use a Medical Finance company to get full Charged Bills admissible at trial in California Personal Injury Cases
Learn from a professional how to best screen and structure your serious injury cases to include the full hospital charge master charges your client has taken on while recovering from injuries caused by the negligence of another.
During this webinar with Jesse Chrisp, an award winning personal injury attorney in California, you’ll learn the details behind getting the full medical bills admitted at trial when your clients care was obtained by using an assignment later sold to a medical finance company.
Joey James, a toxic tort lawyer with Bunch and James discusses how HMR helped his clients pay for desperately needed medical care while he fought for justice.
An estimated 1 in 3 adults with an established credit history — or 77 million people — are so far behind on their debts that their account has been put “in collections.” And statistics support that about half of these collection cases involve debt collectors seeking to collect on unpaid medical debt. This is a highly stressful situation that many plaintiffs in personal injury cases find themselves in.
HMR can help to keep medical debt collectors at bay by paying to purchase the plaintiff’s medical bills and even providing cash for living expenses as they recover from their accident. Plaintiffs who are injured often have no medical insurance or they may have limited funds to pay for the medical care they require. In other situations, they may have health insurance but high insurance deductibles cannot be afforded to pay or policy limits that are too low to provide desperately-needed medical care. We are personal injury medical funding experts and specialize in catastrophic cases, which many funding companies avoid.
We purchase medical accounts receivables associated with personal injury cases, typically where the plaintiff is uninsured or underinsured. We work with medical providers from a variety of specialties related to personal injuries, from imaging, pain management, and physical therapy all the way up to neuropsychologists, orthopedists and spine surgeons. Whether it’s one bill or many medical bills associated with a catastrophic injury, we may be able to purchase these medical bills so the plaintiff can concentrate on recovery and the attorney can concentrate on achieving the best case outcome.
Matt Powell of Matt Law discusses why he works with HMR on serious personal injury cases where his plaintiffs need medical care and cannot afford to pay for it before the case settles.
A better understanding of the seriousness of a TBI can help your client get the treatment they may need and the verdict they deserve.
Watch this past webinar with John Zacharias and his nationally renowned team at Advantage Healthcare Systems and learn about TBI identification and treatment options for your clients.
– TBI Assessment – Simple screening options
– Process and timeframes for evaluation, such as neurologist, then neuropsychologist
– Types of care; Day program, In-home and Telemedicine
– Early identification and better medical results
By taking advantage of the core competency of a full service medical funding company, medical providers can receive prompt payment for aging personal injury accounts receivable. By adopting this cash management strategy you will also reduce the inherent administrative costs associated with tracking these cases, thus increasing your bottom line. This frees your practice from the hassle of vetting, tracking and pursuing collections on your personal injury cases, allowing you to concentrate on what you do best, caring for your patients.
From a medical provider’s standpoint, the risk involved with accepting a Letter of Protection (LOP) for third party liability medical services is often just too risky. Why accept the risk of non-payment when working with a medical funding company, like HMR, could free the medical provider from the stress of having to wait months, if not years, for the underlying legal case to close?
Here’s the catch 22: Jane is unable to pay for the medical care she may need; but because she cannot afford to seek medical treatment, she may not be able to prove the extent of her injuries in order for her attorney to fight for the fair settlement she deserves. That is a tough situation for someone who was injured at no fault of her own.
So what are Jane’s options?
This was a tough premises liability case where my client fell and struck his head on the hard floor sustaining a traumatic brain injury (TBI).
When I was first introduced to this client he was both irrational and suicidal. As a result of his most recent head trauma he was suffering from forgetfulness, his personality adversely changed as he was even more easily upset than usual. He was depressed all the time, his vision was blurred and he was very sensitive to light – therefore he was no longer able to umpire baseball games. He had a general feeling of worthlessness. His past medical records showed he attempted to hang himself years earlier so we knew he was of a fragile mental state…