Insurance is a tricky business, but unfortunately, this is a purchase we must all enter into—and often for multiple lines, whether you own one or more cars (or as a business owner, you could even own a fleet), a home, commercial properties, have professional liability needs, or more. But health insurance is one of the most stupefying areas—causing many of us to wonder how the process and the offerings can be so challenging, but also presenting us with confusing policies and a wide range of questions every time we go to the doctor or have the unfortunate experience to be admitted to the hospital.

Many individuals are confused about how Medicare works, as it is composed of these basic parts:

• Hospital care
• Doctors, procedures, medical devices
• Prescription drugs

Medicare Advantage also plays a role as a more cost-effective option over classic Medicare/Medigap. A policyholder can purchase coverage through a private insurer offering all the above, which often includes other services too. This type of insurance usually includes minimal co-pays, with visits to doctors’ offices, tests from the medical lab, and procedures covered too.

If this is the type of insurance you are using, be sure to speak with your insurance agent or Medicare representative about all your options. There are many details—and expenses to understand, with each type of private plan having a variety of different program details. Policyholders usually have many concerns about coverages for hospital stays, prescription drugs, and what types of doctors’ visits—and doctors—are covered.

Many of these questions may come into play if you are hurt in a car accident, and especially if you sustained serious injuries like neck or spinal issues, paralysis, soft tissue damage, broken arms or legs, or more. Obviously, these types of injuries can be extremely expensive to treat, and long-term care can be an enormous consideration too. Healthcare is a challenge for so many today in the US, and medical bills are the number one cause of bankruptcy for consumers so understanding and managing such expenses are crucial.

If you or a loved one have been injured in a car accident due to the negligence of others, contact the attorneys at Heintz & Becker. We’ve helped victims from Bradenton, Sarasota, and all over Florida get compensation for their damages and medical expenses after accidents. Call us for a free consultation now at 941-748-2916 or contact us online. We are here to help!

All blogs are written on behalf of Heintz & Becker for informational purposes. These articles should not, however, be considered legal advice, or in any way responsible for creating an attorney/client relationship.