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4:01pm Nov 25, 2020. When contacted, the Public Employees' Benefits Program in Nevada would not comment specifically on Woodrum's situation, but a spokesperson sent information from its health plan documents. Health insurance companies hire law firms like this LNL outfit in Ohio to make sure you jump through the hoops. "Let's say a young person falls off a bike," she says, "but the insurer was thinking, 'Did someone run him off the road, or did he hit a pothole the city didn't fill?'". What to Expect After a Bike Accident. It was a surprise even for a family of lawyers. Surgical treatments may be needed when you have a fracture, break or a potential organ injury. A Kid, A Minor Bike Accident And A $19,000 Medical Bill 05:41. But I, from experience, know that other people do not know how to operate the system. The total charges are $19,000, and, they say, you are on the hook for all of it. Before we go into the actual bike accident injuries that cyclists need to worry about, let’s learn a little more about the accidents. Even minor bicycle accidents can put victims through considerable pain and suffering. A Kid, A Minor Bike Accident And A $19,000 Medical Bill It was a surprise even for a family of lawyers. And, no surprise to Bill of the Month followers: When insurers can't agree, who gets a scary bill? And you go, well, nuts to you. But it still came as a shock, he says, to have his health insurer deny payment because there was no third party responsible for their son's ordinary bike accident. You’ll often feel a shooting pain if a bone is broken or fractured. That's because auto insurers "are going to pay billed charges, which are highly inflated," says attorney Ryan Woody, who specializes in subrogation. And let the hospital and doctors know why you're not paying the bill so they won't go after you. WOODRUM: We were navigating through some big tree planters, and his handlebar caught. The Nevada health plan's documents say state legislation allows the program to recover "any and all payments made by the Plan" for the injury "from the other person or from any judgment, verdict or settlement obtained by the participant in relation to the injury. The biggest factor that isn’t talked about is negligence. But it still came as a shock, he says, to have his health insurer deny payment because there was no third party responsible for their son's ordinary bike accident. Your injuries, if sustained by the negligence of another person or party, demands compensation. And sometimes seemingly minor injuries later develop into serious and permanent problems. It's not uncommon for insured patients to be questioned on whether their injury or medical condition might have been related to an accident. ROSENTHAL: That's right - a yikes moment. WOODRUM: People just simply have no clue what subrogation is or what that - you get a letter from a lawyer in Ohio that says, hey, we need you to come to our website and fill out some paperwork or we're not going to release your claims to be paid. To see more, visit, National Association of Subrogation Professionals. Bicyclists account for 2% of all traffic-related deaths and injuries per year. Kevin Ellis, 20, was on his bicycle when he was struck by a … I have their email addresses. The insurer paid $7,414.76 of the cost, and the Woodrums owed $1,853.45, which represented their share of the deductibles and copays. ", Attorney Matthew Anderson at the law firm that handles subrogation for the Nevada health plan says he can't speak on behalf of the state of Nevada, nor can he comment directly on Woodrum's situation. WEISSMANN: But a couple miles in, their 9-year-old son hit a snag. Elisabeth Rosenthal is still with us, listening in. Share on Twitter Share on Facebook Share on Reddit Share on linkedin Share by Email Adam Woodrum was out for a bike ride with his wife and kids on July 19 when his son, Robert, who was 9 at the time, crashed. And they end up in collections. Some cyclists don't realize they've been injured until several hours after the accident. Copyright © 2021 Hamparyan Personal Injury Lawyers San Diego, APC. Adam Woodrum, who lives in Carson City, Nev., got one of those letters concerning his 9-year-old son. For the rest of us, it's sub, like substitution. A Kid, A Minor Bike Accident And A $19,000 Medical Bill ... See, Adam's a personal injury lawyer. As of January 2020, 22 states, the District of Columbia, and more than 201 localities had bicycle helmet-use laws, according to the Bicycle Helmet Safety Institute. There are a few things that you can check for following an accident if you don’t feel like something is wrong: Of course, move your extremities to determine if a bone is fractured or broken. During the summer, Robert had a bike accident that resulted in a hefty bill from the family's insurer. Do not take the advice of a massage therapist or some other individual that lacks proper training. So the health insurance company's trying to get Adam on the record. It’s a matter of a community effort, which can help save the lives of cyclists. Be clear about what happened. Males account for 88% of all people, age 20 – 24, injured on bicycles. A process called "subrogation" began with a Nevada family's health insurer denying their claim for an ER visit after their 9-year-old fell off his bike. KELLY: All right. WOODRUM: It's just ridiculous. A process called "subrogation" began with a … Play. The hospital received less than half of what it originally billed, based on rates negotiated through his health plan. Dan Weissmann, host of the podcast "An Arm and a Leg," reported the radio interview of this story. The neck isn’t as common of an injury area as many people would think. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., on Nov. 7, 2020. The legal name for the process of determining which type of insurance is primarily responsible is subrogation. Elisabeth Rosenthal, stay with us. Around 20% of people killed in bicycle crashes have a blood alcohol concentration of 0.8 grams per deciliter. "Time and delay can be your enemy.". A lot of bicyclists do not follow the rules of the road. Seek appropriate medical attention for any injuries sustained from the bike accident. Is he OK? Working with an auto insurance company is time-consuming and stressful, especially if the other driver’s insurer is involved. "You have insurance and pay for years, then they say, 'This is denied across the board. https://www.wemu.org/post/kid-minor-bike-accident-and-19000-medical-bill Getting thrown off a motorcycle or colliding with another heavy vehicle can cause serious damage to the spine and lead to partial or total paralysis. The patient. The knee (the cap of which is called the patella) is a joint between the upper and lower … "They took him on a stretcher to the ER.". If you believe that you might have a broken bone or fracture, this may be seen with the following symptoms: If you do believe that you’ve broken or injured your bone, you’ll need proper imaging to confirm. Here's your $18,000 bill.'". Elisabeth Rosenthal, thank you for being here. Fill out the forms they send you. Minor Injuries from Motorcycle Accidents That Can Become Serious; Being involved in a motorcycle accident can be an extremely scary matter, and the idea of escaping without serious injury is sometimes all you can ask for. But, he says, the average patient probably wouldn't understand the legal quagmire and might not know how to fight back. Injuries can range from minor to disabling, such as limb amputations, spinal cord injuries, paralysis and Traumatic Brain Injuries (TBI). Adam Woodrum was out for a bike ride with his wife and kids on July 19 when his son, Robert, who was 9 at the time, crashed. What should the rest of us do? Not all bike accident injuries are traumatic, but the ones that are account for the worst injuries. Your injuries may have long-term consequences. And the denial came before the insurer got information about whether someone else was at fault. KELLY: And if you have a perplexing bill that you would like us to take a look at, go to NPR's Shots blog and tell us about it. No driver was at fault. Subrogation is an area of law that allows an insurer to recoup expenses should a third party be found responsible for the injury or damage in question. Bill of the Month is a crowdsourced investigation by KHN and NPR that dissects and explains medical bills. WOODRUM: He was cut in sort of a personal area. Check others for injuries, whether they are obvious, such as blood, or obscure, such as incoherent answers to your questions. During the summer, Robert had a bike accident which resulted in a hefty bill from the family's insurer. When you hire a car accident lawyer to bring an auto negligence claim against the at-fault driver, you can only ask for two types of damages for your car accident injuries. Statistics on how much money health insurers recover through passing the buck to other insurers are hard to find. First, how is Adam's son? Nonsurgical treatments are ideal. And I'm no doctor, but, you know, right away, you can tell that this is a stiches situation. Robert received stitches and anesthesia at Carson Tahoe Regional Medical Center. Your health is more important than anything. Woodrum received an accident questionnaire from his insurer, which he filled out and sent back to provide clarity on what had happened during the accident. WEISSMANN: A few weeks later, Adam's insurance company writes him. WEISSMANN: Other people like his clients. This was just a kid who fell off a bike. What happened? But he and his wife are both lawyers, and so they knew something was up. What about, though, this bill - $19,000? Inform your insurer and all other parties of the actual circumstances of the injury. Cyclists can make the road much safer if they all looked out for each other. Adam Woodrum and his son, Robert, get ready for a bike ride near their home in Carson City, Nev., this month. KELLY: That is the good news. A Kid, A Minor Bike Accident And A $19,000 Medical Bill. This figure was up 13% from the year prior and marks the highest number of bike related deaths since 1995. "He cut himself pretty bad, and I could tell right away he needed stitches," says Woodrum. Dr. Elisabeth Rosenthal is here to break it down for us. So let's - we're going to hear what happened to Adam Woodrum and his son. WEISSMANN: So people ignore those letters, and their insurance doesn't pay the medical bills. The only way to know for sure what injury you have is to have a medical professional conduct imaging on the area. You’ll be severely injured in some bicycle accidents and escape relatively unscathed in others. A 2013 Deloitte consulting firm study, commissioned by the Department of Labor, estimated that subrogation helped private health plans recover between $1.7 billion and $2.5 billion in 2010 — a tiny slice of the $849 billion they spent that year. Is California A No-Fault State For Car Accidents. The problem with head injuries is that they’re very serious. Originally published on November 25, 2020 6:44 pm. Tell us about it! KELLY: So a medical bill and lawyers - I feel my blood pressure going up already. Robert and his team have dealt with semi truck accidents, wrongful death cases, brain & spine injuries, and many other types of personal injury cases with soaring success. Adam Woodrum, who happens to be a personal injury attorney, runs into subrogation all the time representing his clients, many of whom have been in car accidents. I'm intrigued but already stressed out because you're in a stressful medical situation, and then you're getting these, you know, letters from lawyers asking you to fill out forms. And 60% of deaths are caused by head injuries. ROSENTHAL: Yeah, he's great. Two serious injury accidents were investigated by State Troopers in the area Counties over the weekend. View Slideshow. HealthScope Benefits reconsidered the claim. These are damages that you would not be entitled to receive through your no-fault insurance benefits. Accidents, insurance claims - this is his everyday professional world. 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