WELL STATES HEALTHCARE

When you are injured without insurance, and you know someone else is at fault you might find yourself at a table with lawyers trying to prove your case and get the restitution that you need and deserve. But when you don’t have insurance, you are presented with several complications that can stop your settlement dead in its tracks. Here at Well States, we know that struggle and have built our pioneering business model to solve just those problems.

The crux of any personal injury case is providing proof of two things: fault and injury. Fault is easy enough to prove, and in most cases the evidence your legal team collects to prove fault isn’t necessary, as a defendant willing to settle will admit to being at fault. Assuming, that is, that injury can be proven. It may sound easy to prove that you have an injury, but due to individuals that come forward with fraudulent personal injury claims it can never be a matter of simply trusting an injured person at their word.

Proving that you have an injury, whether that be physical or psychological, is generally up to a medical professional. And that is where an uninsured individual will begin to encounter their biggest roadblock. Whether or not you have an injury, and regardless of how obvious it is, a healthcare provider must determine the following things: The existence of an injury, the extent and severity of the injury, the treatment required, and the cost of treatment. In order to determine any of this, a healthcare provider must first admit the individual who claims to have an injury. In the case of an emergency, as would be the case if a patient is brought to the ER in an ambulance, this happens regardless of a person’s coverage. However, if the injury is not life threatening or urgent, or if the injury is the result of previous treatment, the provider will generally process paperwork first. This means the provider will request your insurance information and other personal details. And if you don’t have insurance, there is a high chance you will be denied treatment.

While a public hospital cannot deny an individual treatment in the case of an emergency, your injury may not be an emergency. Further, your treatment might not be something general enough to warrant a visit to a public hospital. Dental practices, for instance, along with other specialist practices, are very likely to deny treatment or screening if an individual is uninsured. In some cases, these practices can even defer treatment in an emergency situation. This is somewhat expected, of course, as medical practices need money to continue existing, and the bulk of that money comes from patients that have insurance and can pay for treatment.

In these cases, where a healthcare provider denies screening and/or treatment, it becomes much harder to prove injury. This is the dilemma of seeking restitution for medical costs when uninsured; without insurance or proof that a patient will be able to pay, the injury may not be proven. If the patient had the financing from restitution and settlement, they could afford screening and treatment. But the restitution is not available until the treatment is proven necessary. It can be a difficult cycle to endure.

And that isn’t the only problem either. Eventually, an injured patient will be able to find some sort of healthcare provider or low cost clinic willing to screen them, but by the time that happens, it may be too late. Injuries do heal over time; whiplash typically only has severe symptoms for a few weeks, stress fractures may appear less severe after time (though they may also grow more severe), bruising and external injuries fade as well, as does trauma. If the injury is not identified immediately, when an injured patient does finally find a provider, that provider may not consider what remains of the injury to be as extensive or severe. In some cases, an injury may be more difficult to detect and subsequently go undetected. When this happens, you are less likely to receive the restitution that you need and deserve.

At Well States, we have made it our goal to end this cycle. We do what most providers don’t want to, we finance treatment for uninsured patients seeking restitution in a personal injury case. And we don’t wait till a settlement has been reached either. We finance treatment and screening up front, so that you can have peace of mind about your physical well being and provide the evidence you need for your personal injury claim while the injury is still fresh. It’s the treatment you deserve, when you need it.

This is a unique opportunity. Well States is an industry pioneer when it comes to medical financing and personal injury case management. If you want to learn more about our innovative approach to your medical financing problems, you can contact us by calling 855.FOR.WSHC (367-9742) or visit our website at wshcgroup.com. We look forward to making your personal injury case a whole lot easier.