วันเสาร์ที่ 12 ตุลาคม พ.ศ. 2556

Experiences of a Lawyer Shows Why ObamaCare Makes Good Economic Sense

In the trenches of the US health care system, when an injured person requires immediate medical treatment, they get it. It is the American way to help the injured. When was the last time we saw a hospital turn away a bleeding patient, or a person sitting in the emergency room with a compound fracture. If a hospital did that, we would see outrage on the nightly news.

As a personal injury lawyer, I know the facts. People without health insurance get treated and that treatment gets completely written off by the hospital. How does this happen? What happens is a social worker from the hospital will come into the patients room and conduct a financial review. They will ask the obvious questions, such as, are you married, are you employed, and do you have health insurance.

For arguments sake let's say, patient is single, living alone, and lost their job within the last year. Guess what, that patient is one of those uninsured Americans. Now, not only are they uninsured, but they are seriously injured. So what is the prospect of them paying the bill anytime soon. The hospital in some cases, not all cases, will simply write it off as a bad debt. Or, they may opt to just put the patient into collections with no real prospect of being paid and ruin their credit.

So, you are writing off a bad debt. The work is already done. How does the hospital recoup the money? The answer is you charge the next guy with the insurance more money. You have to pass on the fixed cost in some way. For instance, you could not own a fruit stand and give some of the fruit away to starving people and not try to raise your prices on the remaining inventory. After all, even the fruit stand owner has bills to pay.

As a personal injury lawyer, I see the lack of affordable health care hurt the economy in additional ways. For instance, every now and then I will receive a call from a person claiming to have suffered an injury and wanting to sue. So, I listen to what happened and I immediately determine that the injuries suffered do not amount to a viable liability claim. When I tell the person I am not interested because I do not see liability, I get the standard come back. "All I want are my medical bills paid". In other words, the person was hoping they had a lawsuit because they have no insurance. The person knew or should have known they did have a negligence claim, but they are desperate to pay off their debt.

Article Source: http://EzineArticles.com/8050904



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