No, the risk is not yours and yours alone. If you get in a bike accident without wearing a helmet, or in a car accident without wearing your seatbelt, your medical bills go through the roof and guess whose premiums go up? Mine.
So yes, I am ALL for helmet laws. Saying that insurance companies can opt not to cover your medical bills is not a solution. Many patients would be unable to pay the bills themselves and would probably have to declare bankruptcy. The hospitals have to foot the bill and guess how they recover the cost? Rising procedure/visit costs that get passed on to everyone else...including insurance companies.
They'd have to declare bankruptcy you say?
Tough shit, should have worn a helmet.
Why would another persons premium go up? I don't get what you're saying there and maybe I don't understand how insurance works.
No, it's not that simple. They declare bankruptcy. Do you think their $300K hospital bill magically goes away?
Bright eyed kid: "Wow Typo Man, you're the best!"
Typo Man: "Thanks kidz, but remembir, stay in skool!"
No, it's not that simple. They declare bankruptcy. Do you think their $300K hospital bill magically goes away?
Certainly not
I guess I just don't understand how bankruptcy works. Others foot the bill?
Help me out
As I understand it, the doctors are required to help you, no matter what. If you don't have the money, you might have to file bancruptcy. The hospital has it's costs nevertheless, and they have to make up for them. So what they do is raise the charges for their services, which then in turn raises the costs for everybody else.
It seems there are two types of medical bancruptcy (found it here http://www.jdsupra.com/legalnews/medica ... rup-95028/):
Chapter 7 personal bankruptcy liquidates all of your assets to pay your debts. In this case, medical bills are treated the same as credit cards and other forms of unsecured debt. They are completely discharged, or wiped out.
However, if you discharge your debts in Chapter 7 bankruptcy, you must wait eight years to file again. If your medical treatment is ongoing, you should wait until it is complete before filing for bankruptcy. You want to avoid new debt after bankruptcy.
A Chapter 13 or “reorganization” bankruptcy does not erase your debts like Chapter 7, but instead creates a plan for repaying specific debts, sometimes at reduced rates, over a period of three to five years.
Secured debts like home mortgages and car loans are paid off first, followed by “priority” debt like federal and state taxes and child support. Unsecured debt (like medical bills) comes last. Any debt remaining after completion of the plan is usually discharged.
But you can also try to work out a pay plan with the hospital. This shit scares me to no end
Please, Pearl Jam, consider a Benaroya Hall vinyl reissue!
No, it's not that simple. They declare bankruptcy. Do you think their $300K hospital bill magically goes away?
Certainly not
I guess I just don't understand how bankruptcy works. Others foot the bill?
Help me out
Insurance says they won't cover it. Patient can't pay it. Hospitals, usually, have to cover the cost (doctors have to get paid somehow). They pass on the cost by raising procedure/etc costs. Insurance must raise their rates. YOU get stuck with footing the bill in the end.
No, it's not that simple. They declare bankruptcy. Do you think their $300K hospital bill magically goes away?
Certainly not
I guess I just don't understand how bankruptcy works. Others foot the bill?
Help me out
Insurance says they won't cover it. Patient can't pay it. Hospitals, usually, have to cover the cost (doctors have to get paid somehow). They pass on the cost by raising procedure/etc costs. Insurance must raise their rates. YOU get stuck with footing the bill in the end.
My take... the Insurance companies should attach helmets as a requirement or not. If they require you to wear a helmet as one of their requirements and you get into an accident and sustain head injuries, the insurance company will pay to fix your bike. The costs to fix your head should come out of your pocket, not anyone else's.
Allen Fieldhouse, home of the 2008 NCAA men's Basketball Champions! Go Jayhawks!
Hail, Hail!!!
Its ridiculous to think that seatbelts and helmets don't save lives. That being said, I don't believe the government should tell adults that they have to use them. I disagree with seatbelt and helmet laws. But I use a seatbelt and a helmet when I ride.
I had a head injury from a bike (not motorized) accident. I was not wearing a helmet and was in a coma for a week. I probably should be dead right now. I always wear a helmet now. Lesson learned, I care not how stupid other people may or may not think I look.
And that is on a freakin' PEDAL BIKE!!
Put a fn helmet on when on a Motorcycle. It WILL save your life.
8/29/00*5/2/03*7/2/03*7/3/03*7/11/03*9/28/04*5/24/06*6/28/08*5/15/10*5/17/10* 10/16/13*10/25/13* 4/28/16*4/28/16*8/5/16*8/7/16 EV 6/15/11 Brad 10/27/02
I had a head injury from a bike (not motorized) accident. I was not wearing a helmet and was in a coma for a week. I probably should be dead right now. I always wear a helmet now. Lesson learned, I care not how stupid other people may or may not think I look.
And that is on a freakin' PEDAL BIKE!!
Put a fn helmet on when on a Motorcycle. It WILL save your life.
...
Two main reasons why you should always wear a helmet when riding your motocycle:
1. Gary
2. Busey
Allen Fieldhouse, home of the 2008 NCAA men's Basketball Champions! Go Jayhawks!
Hail, Hail!!!
Comments
No, it's not that simple. They declare bankruptcy. Do you think their $300K hospital bill magically goes away?
Typo Man: "Thanks kidz, but remembir, stay in skool!"
Certainly not
I guess I just don't understand how bankruptcy works. Others foot the bill?
Help me out
It seems there are two types of medical bancruptcy (found it here http://www.jdsupra.com/legalnews/medica ... rup-95028/):
Chapter 7 personal bankruptcy liquidates all of your assets to pay your debts. In this case, medical bills are treated the same as credit cards and other forms of unsecured debt. They are completely discharged, or wiped out.
However, if you discharge your debts in Chapter 7 bankruptcy, you must wait eight years to file again. If your medical treatment is ongoing, you should wait until it is complete before filing for bankruptcy. You want to avoid new debt after bankruptcy.
A Chapter 13 or “reorganization” bankruptcy does not erase your debts like Chapter 7, but instead creates a plan for repaying specific debts, sometimes at reduced rates, over a period of three to five years.
Secured debts like home mortgages and car loans are paid off first, followed by “priority” debt like federal and state taxes and child support. Unsecured debt (like medical bills) comes last. Any debt remaining after completion of the plan is usually discharged.
But you can also try to work out a pay plan with the hospital. This shit scares me to no end
Insurance says they won't cover it. Patient can't pay it. Hospitals, usually, have to cover the cost (doctors have to get paid somehow). They pass on the cost by raising procedure/etc costs. Insurance must raise their rates. YOU get stuck with footing the bill in the end.
http://www.hhs.gov/news/press/2011pres/ ... 0510a.html
Typo Man: "Thanks kidz, but remembir, stay in skool!"
Interesting, thanks very much for your help, bin and leeze
...man that last sentence could be taken waaay out of context.
bring out the gimp
yikes
Actually, not so funny...
Hail, Hail!!!
I had a head injury from a bike (not motorized) accident. I was not wearing a helmet and was in a coma for a week. I probably should be dead right now. I always wear a helmet now. Lesson learned, I care not how stupid other people may or may not think I look.
And that is on a freakin' PEDAL BIKE!!
Put a fn helmet on when on a Motorcycle. It WILL save your life.
Two main reasons why you should always wear a helmet when riding your motocycle:
1. Gary
2. Busey
Hail, Hail!!!