Articles Tagged with Insurance

Among the hallmarks of President Barack Obama’s signature piece of healthcare legislation – known officially as The Affordable Care Act, but most-commonly referred to as “Obamacare” – was its expansion of Medicaid benefits to more Americans.  By way of background, Medicaid is a program run by the several States which is designed to provide medical coverage to vulnerable individuals among the population, and has a means test (i.e., an income-based test, as well as an asset-based test) to determine eligibility for benefits.  Prior to the passage of the Obamacare law, generally, only the neediest Americans had access to Medicaid.  This left many hard-working Americans who simply could not afford the high cost of health insurance and whose employers did not offer health insurance benefits in connection with employment without health insurance coverage.  For these Americans, a single serious illness or injury in the family could – and often did – lead to abject financial ruin, as, without health coverage, the medical bills associated with a serious illness or injury were simply too large to pay.  This was, unfortunately, the case of many victims of serious personal injury accidents or medical malpractice, who, despite having been injured by no fault of their own, were left to contend with mountains of medical bills that they simply could not afford to pay.  Even for those victims who were ultimately awarded compensation through a personal injury lawsuit or a medical malpractice lawsuit, during the years in which their case was pending, these bills often went unpaid as the victim and their family simply did not have the money.  Furthermore, these unfortunate victims often were denied the medical care necessary to treat their injuries, as, without healthcare coverage, many physicians and hospitals would refuse to treat them because payment for medical services simply could not be made.

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