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My bestfriend boyfriend was in a car accident and he doesnt have a health insurance? |
and he needs a surgery and the family they dont have money to ppay by frieday and if they dont pay they arent going to touch him for nothing can u people help me and wat should i do Answer me back...what state did this accident occur in.... Different insurance rules apply from state-to-state as there is no unifying federal insurance guidelines. There are also different programs in different states. There may be something on his or other family members auto policies that may help. ---edit info---CALIFORNIA This may not mean too much to you at this point in your life but I'll keep it rather simple... California is not a "No-Fault" or "PIP" state so the automobile coverage will be limited as follows: Automobile MedPay policy: He could file a Medical Payments claim under his own auto policy. He could file a Medical Payments claim under the vehicle owner's policy if it was someone else's car He could file a Medical Payments claim under the policy of a family member with whom he resides. These auto MedPay policies usually have limits of $1,000-$10,000 and will help somewhat. Second, if the accident was not his fault... (1) He could file a liability claim against the at fault party's insurance carrier. (2) If the accident was caused by a hit and run driver that cannot be identified he coould possibly file an uninsured motorist claim against his own auto policy. If this friend was working at time...he could file a Workers Compensation claim on his enployer's WC carrier. Each CAlifornia County has an indigent care program on top of Medicare and Medi-Cal programs offered at federal and state levels. This male friend's best choice of coverage for this is "Medi-Cal" if there is no automobile or Workers Compensation policies applicable to accident. Below are links for (1) AM Best digest of state insurance laws... Very Dry reading. (2) California Medcare program (3) California Medi-Cal program Hope this shows you how important it is to be fully insured in case this happens later to you. Source(s): http://www.ambest.com/legal/statelawdige... http://www.calnhs.org/homeheal... http://www.calnhs.org/homeheal... Check to see if he qualifies for medical/medicare. One word "screwed" but, most hospitals have a charitable assistance program i know the hospital i work at does. As long as his income falls below the lowest level they will pick up the whole tab :) Have a nice day :) Send him to india..i am serious..for a cost 10th of it here he can get very good treatment just google it.even after flight and other expenses it would be way cheaper. you should ask a financial expert over at http://www.mechanicsofmoney.com... The answer from Fryguy93 is the most accurate one that you have received so far. I have a couple of additional suggestions. 1) Visit the social services department of the hospital where the surgery would be done. Explain the situation. They will be in a good position to refer you to programs that may help. Watch out if you are asked to sign any documents that obligate you to pay for the surgery. 2)Find out if the car accident was work related. If it was work related then it may be covered by the employers workers compensation policy. 3)You can always review your situation with an attorney who can help you detemine if anyone else is responsible for the accident. That kind of advice may lead to a financial recovery. Many lawyers will not charge a fee for an initial conference with a client. Fryguy93 is right about different laws in different states. Depending on where the accident happened there may be a program or insurance that will help you. Good Luck |
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