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Posts Tagged "doctors"

Doctors, Businessmen Battle For Holy Grail Of Brain Injury Diagnosis, Treatment

Posted by on Jan 8, 2014 in Motor vehicle accidents, Recent News

Doctors, Businessmen Battle For Holy Grail Of Brain Injury Diagnosis, Treatment

I saw an article in a recent edition of the New York Times that I thought was worth sharing. The article described the acceleration in research and development that is going on in the field of brain injury detection and treatment as a result of the headlines associated with aging NFL players and their medical problems.  As most of us now know, many NFL veterans are beginning to suffer the ravages of chronic traumatic encephalopathy, likely as a result of repeated trauma to the head playing the game of football. According to the piece, there are several physician/business groups who are hard at work to develop the go-to, or Holy Grail, test and treatment protocol to deal with these kinds of traumatic brain injuries.  Some doctors are even claiming that they are close to developing ways to heal or reverse the damages cause by closed head injuries.  Other doctors say that this kind of breakthrough is still years away, and that medical consumers should be skeptical of claims that seem to be too good to be true. Regardless, and as an attorney who has represented many clients who have suffered mild and moderate traumatic brain injuries (TBI) from accidents, there are many, many people who would pay practically anything they had just for a chance to get their pre-injury lifestyle back.  Traumatic brain injury can be debilitating – even though there are no broken bones and no obvious injury on an X-ray or MRI.  There is obviously a huge potential market for a diagnosis or treatment method that will help these people. The New York Times article is definitely worth the read. If you have any questions regarding a Florida car accident or slip and fall that resulted in a traumatic brain injury, call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407-254-4901, or visit cullen-hemphill.com....

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Florida Car Accident Victims Should Wish They Were In New York

Posted by on Nov 3, 2013 in Motor vehicle accidents

Florida Car Accident Victims Should Wish They Were In New York

I saw an interesting story last week about the State of New York’s response to allegations of fraudulent billing related to the state’s no-fault automobile insurance system.  At the end of last week, the Governor’s office released a list of 18 medical doctors, chiropractors, massage therapists, and others who have been banned from seeking payment from no-fault automobile insurers due to allegations of false billing, excessive treatment, and other violations. For those that don’t know, New York and Florida are a couple of the last remaining states that have a no-fault automobile insurance system.  In Florida, the coverage is called Personal Injury Protection (or PIP).  In either state, drivers involved in automobile accidents are entitled to have their medical expenses paid by their own no-fault coverage, regardless of who was responsible for causing the crash that caused the injuries. Florida automobile owners have several reasons to wish they lived in New York when it comes to no-fault coverage.  First, New York features a $50,000 benefit to drivers.  This is probably more than enough  coverage for car accident victims to get the treatment and diagnostics like MRI’s or CT scans necessary to properly diagnose an injury after a typical car accident.  In Florida, under a new law passed last year, the maximum benefit is $10,000, but might be as low as $2,500 or zero, depending upon when the injuries are reported and/or the severity of the injuries reported.  The $10,000 maximum coverage limit has been in place since 1973, and obviously has not kept pace with the soaring cost of healthcare in this country.  Nevertheless, the Florida Legislature and the insurance companies that write automobile policies in Florida have long resisted efforts to increase the coverage limits. Second, New York has taken a much more fair, responsible, and consumer-friendly approach to alleged medical fraud than Florida has.  In New York, the doctors committing the fraud have been punished.  They have been banned from receiving no-fault benefits, and in some instances have been criminally charged.  In Florida, it is innocent consumers have been largely punished.  In 2012, the Florida Legislature passed sweeping legislation that drastically reduced (or eliminated) PIP benefits to many Florida accident victims – even those who did nothing wrong, were not involved in fraud, and were seeing doctors who had nothing to do with fraud.  (I wrote a Special Report about these draconian changes which you can download for free by clicking here.) As an automobile insurance customer, which state would you rather live in? Questions following a Florida car accident?  Call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407-254-4901, or download a copy of Kim’s FREE book, Asleep At the Wheel:  13 Mistakes the Insurance Company Desperately Hopes You’ll Make After Your Florida Car Accident by clicking...

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Is HumanaOne Playing Games With Florida Health Insurance Coverage?

Posted by on Sep 16, 2013 in Uncategorized

Is HumanaOne Playing Games With Florida Health Insurance Coverage?

We recently heard from a Florida insurance consumer who had become quite frustrated with his health insurance company, HumanaOne.  I thought it might be useful to share this person’s story, so that maybe other Floridians won’t get tricked by HumanaOne — or any other health insurance company — in the same way that this gentleman apparently has. The story of this gentleman — we’ll call him “Bob” — started out innocently enough.  Bob recently relocated to Central Florida, and contacted an insurance broker he found from a website to assist him in securing some health insurance.  Based upon Bob’s needs, the broker suggested HumanaOne, a subsidiary of Humana Health Insurance of Florida.  Humana requested some additional information from Bob, and Bob provided it. A few days latter, Bob received a Medical Proof of Coverage form from HumanaOne indicating that effective date of coverage was May 1, 2013.  He also received letter from HumanaOne indicating that his coverage was going to start on May 1, 2013, and that he would have his monthly premium payment automatically drafted from his bank account on May 1, 2013. Bob then did what most people would do – he started making appointments to see doctors after May 1, 2013.  Bob saw several doctors in the first week or so of May 2013, and presented his HumanaOne insurance information to each doctor’s office.  Bob thought everything was fine until he started getting notices from his doctors that HumanaOne was refusing to pay their bills. What Bob did not know — and what nobody at HumanaOne or his insurance agent’s office told him — was that the fine print of Bob’s HumanaOne policy says that only bodily injury-related medical bills would be paid starting on May 1, 2013.   What nobody told Bob was that illness or sickness-related bills would not be covered until May 16, 2013. As a result of not knowing or being told this, not only is HumanaOne not paying Bob’s bills, but HumanaOne is also considering all diagnoses made between May, 2013, and May 16, 2013, as pre-existing conditions.  This means HumanaOne may not have to pay for any bills related to those conditions for another year. As an Orlando accident attorney, I believe HumanaOne is being incredibly unfair to Bob.  I also think there is an argument that Bob was induced to purchase this coverage from HumanaOne under false pretenses or as the result of fraud.  Florida has strong laws against unfair and deceptive trade practices that very well may apply to this situation with HumanaOne. What do you think?  Does this situation sound right to you?  If you are facing a similar situation with HumanaOne, or any other health insurance company for that matter, contact Winter Park personal injury lawyers Kim Cullen and Robert Hemphill at...

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