The Educated Consumers Guide to No-Fault Automobile Insurance: How America can save billions in Medicaid costs and create comprehensive and unlimited medical ... cord injuries) in automobile accidents! (Paperback)

Product Description
This book is about a solution to a huge problem! Catastrophic injury in an automobile accident is a very serious life altering event.Are you prepared? Have you ever considered it? Can you imagine the impact on you or your loved ones if this very unfortunate event visited you? According to a Harvard Medical School study medical bills cause an average of 2 million personal bankruptcies every year, most of those people have health insurance. Are you an automobile accident away from bankruptcy? What Kind of Automobile insurance do you have? What is your coverage for personal injury? Does it cover in home nursing care after a brain injury or spinal cord injury?What kind of Health insurance coverage do you have? Does it cover in home nursing care after a catastrophic automobile accident? Does it provide wage loss benefits? Michigan is the only state in America that provides lifetime unlimited medical benefits, which covers products and services (including in home nursing care and wage loss benefits) needed as the result of injuries sustained in an automobile accident! Why doesn't your state? Brain injury is a silent epidemic in America, every year there are over 1.5 million brain injuries in America and 44% are from Automobile accidents! Spinal cord injuries from Automobile accidents are significant as well! If you or your loved ones are in a catastrophic automobile accident, this is how the process will flow in every other state than Michigan. You will be transported to a Hospital by ambulance and then you will receive the maximum medical care allowed under your automobile and health insurance. Once both of those limits of coverage are exhausted you will be sent home regardless of your condition. Then you will discover that you do not have in home nursing care coverage. Then you will spend your personal assets, to buy the services you need. Then you will run out of resources, at which point you can qualify for Medicaid services (based on economic need) and then disco

About the Author
It is through my experience with our clients and that I decided to write this book. I have been, the Vice President of Health Partners Inc. for the past twelve years. Health Partners is a Michigan company which provides homecare nursing and attendant care services, and which specializes in serving brain and spinal cord injured patients. Many of our clients are automobile accident victims and our services are developed to accommodate each individual's unique needs. Our clients often require nursing care 24 hours per day everyday. Our clients often require very complex care, supplies, electric wheelchairs, home modifications, ramps, adapted vans, multiple doctors, therapies, hospital beds, and many other reasonably necessary services and medical equipment. In Michigan we have automobile insurance which provides unlimited medical benefits for injuries sustained in an automobile accident. We are the only state in America which has this benefit! I see the extraordinary needs that a person with a catastrophic injury presents and the level of care they need and can get through their Michigan no fault automobile insurance coverage and I realize it is truly a blessing for the patient and their families. I cringe when I meet people who have loved ones in other states injured in an automobile accident and they do not have this benefit. Their circumstance is crushing, neither the auto nor the health insurance provide coverage for this kind of in home nursing care, so as soon as you spend down your assets you can qualify for Medicaid, then you will discover the super-acute shortage of nursing personnel for Medicaid services, which are meager at best compared to your need. You could actually march to bankruptcy because of an accident and the saddest part is that hardly anyone is actively aware of this. Our Medicaid budgets are growing and breaking state budgets, I believe the Michigan Model for Automobile insurance if adopted in other states will provide millions of Americans wi

Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
personal protection insurance benefits, premium per car, vehicle accident policy, person suffering accidental, personal protection benefits, partial recoupment, work loss benefits, annualized period, claims facility, premium assessment, protection insurance policy, referendum petition, claims plan, insurance applicable, more insurers, historic vehicle Key Phrases - Capitalized Phrases (CAPs): (learn more)
Popular Name, The Educated Consumers Guide, John Gwynne Prosser, State of Michigan, Legislative Council, No-Fault Insurance, No-Fault Automobile Insurance, Section Section, Michigan Insurance Code, Compiler's Notes, Michigan Compiled Laws, Board of Directors, Reimbursable Ultimate Loss, Earned Car Years, Written Car Years, United States, Brain Injury Association, The Chair, Michigan Jaycees, Michigan Catastrophic Claims Association, Michigan Automobile Insurance Placement Facility, Historical Vehicle, Total Premium, West Nine Mile Road Suite, John Prosser Browse Sample Pages:
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