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aly-moon t1_ixgcdq4 wrote

Doesn't mass have mandatory health insurance requirements? I could be wrong?? I'm just wondering for the sake of their medical care immediately

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startmyheart t1_ixgdi2p wrote

AFAIK, medical insurance will sometimes deny claims for care due to auto collisions because it should be covered by the auto insurance of the at-fault driver. Cool system we've got going here

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Ok_Purpose_1606 t1_ixhv8h0 wrote

No. The at-fault drivers auto insurance will pay for what it can. Then your own health insurance coverage kicks in to pay the rest minus deductible, coinsurance. And then you're only paying up to your OOP maximum.

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startmyheart t1_ixgdgom wrote

AFAIK, medical insurance will sometimes deny claims for care due to auto collisions because it should be covered by the auto insurance of the at-fault driver. Cool system we've got going here

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bthks t1_ixgjx9p wrote

I truly don’t think the fact that auto insurance premiums would go down if universal healthcare is implemented has occurred to anyone. I moved overseas recently and there’s a number of things that are cheaper because affordable medical care exists. The rock climbing gym I go to is about half the price of the one I went to in the US simply because they don’t need the same insurance coverage.

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BostonBopper t1_ixgw5vx wrote

That's simply not true. Health insurance will pay for medical care regardless of underlying cause. It can't deny coverage of say treatment for a broken arm because someone else caused the broken arm in an auto accident.

The insurer could pursue a lien against the driver and his insurer, but that all happens behind the scenes.

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aly-moon t1_ixgg9hh wrote

Ah I understand. It's the same here in RI. I was wondering if you guys had it any better with your set up. I moved from mass about 15 years ago but my family is still there.

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