I'll start with the "bad news," so to speak. This is a story about a patient who, as part of her profession, is required to perform constant repetitive tasks. I have spoken about the fact that months of a repetitive task can result in the same damage as one significant trauma. This is what has happened, in this case.
Now, add a motor vehicle accident in which this patient's neck, shoulders and wrists absorbed the majority of the trauma, and we have the need for frequent rehabilitative treatment over 8-10 weeks. After her first treatment, she felt more energetic, stronger and an improvement in her symptoms. So far, the story seems to be pretty positive. The problem? She opted for only $5,000.00 of medical coverage per accident on her car insurance. A trip to the ER, some X-Rays and a visit to her medical doctor and that money was gone. Even though her injuries are directly the result of this MVA, she has to bear the burden of the cost of care.
For about $10.00 more per YEAR, she could have had $25,000.00 of coverage. I just do not understand why people frequently tell us that they don't even know how much their medical benefits are and that we find that most patients aren't proactive when it comes to knowing the details of the insurance that they carry. I probably sound like a broken record, but please, please, at least find out how much medical benefits you have chosen to receive if you have a car accident. It's the cheapest medical insurance you'll ever purchase. Ask yourself, "What are the odds of my getting into a car accident?" I think we all know the answer.
I think I'll tell the story about the happy experience in my next blog as this one ran a bit long.
Dr. Esther
drkollars@gmail.com
fixdhealthcare.com
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