Med Pay - Find Out What Big Insurance Wants to Take From You Now.
Here at the Vrdolyak Law Group, we’ve issued a letter to Illinois lawmakers with legislative proposals asking big insurance to treat Illinois citizens fairly and stop the games.
207 State House
Springfield, IL 62706
Rep. Michael J. Madigan
Speaker of the House
300 State House
Springfield, IL 62706
Sen. John J. Cullerton
327 Capitol Building
Springfield, IL 62706
Dear Honorable Gentlemen:
Like you, your fellow lawmakers, and many concerned citizens of the State of Illinois, we are most interested in tort reform. As a family-run law firm with more than 50 years of legal experience, we are acutely aware of some of the issues in the areas of personal injury and medical malpractice law, which are unjust. In fact some of these issues, which were previously proposed to you or your predecessors, have been enacted in other states leading to beneficial and just results for their citizens. A copy of such letter containing such proposed and much-needed legislative proposals is enclosed for your reference and, hopefully, your renewed consideration.
The reason for our writing to you today, however, is to address one of the many problems inherent in a system where the insurance industry and their lobbyists spend millions of dollars to all but ensure their continued profitability at the expense of their premium paying clients and those they injure, who, lacking such means and access, are completely without a voice in a system which too often favors the rich, powerful, and politically-connected.
One issue at hand involves the provision in many insurance policies which provides payment of medical expenses to an injured party regardless of who is at fault. Illinois consumers pay an additional premium for this “medical payment coverage”, and expect that it will be paid out, almost automatically, to injured parties as it has been for many years. Yet recently there is a trend among some insurers to put pure profit over the patient, making the ability to recover amounts under their policies for medical payments more and more difficult, and in many cases impossible. To these insurers, this medical payment coverage is being re-characterized by the insurance industry as “secondary” or “excess coverage” meaning that if there is any potential insurance available, including other automobile or premises insurance, any health, accident, disability, or hospitalization insurance, any medical or surgical reimbursement plan, and any workers’ compensation or disability benefits, such other potential insurance or benefits plan must be utilized first, making such medical payment coverage the absolute last resort. Additionally, some insurance companies are even requiring that the injured party first present proof of payment prior to issuing a check to their insured. This runs completely contrary to the purpose for which one purchases insurance, which is to ensure one will be able to receive necessary medical care, even if they do not have sufficient funds available to pay for it at the time services are provided.
Such medical payment coverage is also deemed by the insurers as “subrogatable” meaning in the increasingly unlikely event it is paid out, it must be repaid to the insurance company from any other insurance or potential recovery. So while the premiums attributable to such medical payment coverage have not gone down, the coverage that consumers are actually receiving definitely has. This drastic change to many of said automobile or premises insurance policies are then merely disseminated to their policy holders without explanation, and without the consumer being made aware that they are actually paying the same amount of money for coverage that is less and less likely to apply.
We appreciate your time and thoughtful consideration of this important issue affecting many Illinois citizens to ensure equal justice for all, not just preferential treatment for the big insurance industry. We unite with the citizens of Illinois to request that profitability of big business and big insurance not outweigh fundamental fairness, justice, and an honest and equitable legal system for all.
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