Does Medicare Cover Car Accident Injuries?

by | Feb 22, 2020 | Health Featured

Statistics from the World Health Organization (WHO) report that more than one million people lose their lives to road traffic crashes. Non-fatal injuries afflict between 20 and 50 million people, and in many cases, lead to disability. Automobile accidents may also cause vehicular damage. The parties involved should take photos of their vehicle after a crash to document crumpled hoods, destroyed grilles, smashed fenders or bumpers, cracked windows, and broken windshields and wipers.

The windshield is an automobile safety feature that’s just as crucial as an airbag, a seatbelt, or a brake pad. Proper windshield functioning is vital, as the windshield glass serves to protect the driver, the passengers, and the interior of motor vehicles. Living up to its name, this glass shields people in the car from the wind, flying debris, the environment, and the sun’s ultraviolet radiation (UV) rays.

img

Photo Credit: Unsplash

Automobile accidents are common causes for windshield glass damage, but additional causes include debris, flying pebbles and rocks, and fallen trees and tree branches. A reputable professional auto and glass repair company can provide the services needed, no matter the severity of the damage. Orange Blossom Auto Glass, a windshield repair and replacement service, provides high-quality examinations and repairs to cracked windshields. This reliable Orlando company repairs and replaces front windshields, rear windshields, and side windows, handling mild chips and severe cracks.

Professional glass experts at Orange Blossom Auto Glass know the correct way to remove glass and input replacements, which is vital to car safety. In many automobile incidents, people sustain injuries and pain. The parties involved in car accidents should photograph their injuries, document their medical care costs, and report any impaired mobility or inability to work following an incident. Injured parties should seek medical attention as soon as possible, especially older drivers.

The license-holding older adult population increased by 63 percent over the last twenty years. Licensed drivers in the United States 65 years old and older totaled almost 44 million. While driving is an activity that can encourage older adults to stay mobile and active and to demonstrate autonomy and independence, it can be dangerous. Unfortunately, the risk of sustaining injuries or dying in a motor vehicle accident increases with age.

img

Photo Credit: Unsplash

Over seven thousand older adults, aged 65 and up, were the victims of fatal automobile accidents (2017). More than 200,000 older adults had to receive treatment from emergency rooms for the injuries they received in motor vehicle collisions. Emergency room visits are more expensive than trips to urgent care centers.

People with Medicare Part B may have coverage for allowable charges of emergency ambulance transportation, emergency room treatment, doctor visits, X-rays, and diagnostic tests. Medicare Part A may cover eligible charges for inpatient care if someone has to stay in the hospital following a car accident.

Older adults should determine what Medicare benefits their plans cover and consider getting a Medicare Advantage plan if they require more coverage than offered in traditional Medicare. An online health insurance quote provider, such as HealthInsurance.com, can give people information about Medical Advantage plans that helps them find coverage that suits their needs.

A Medicare-approved private insurer offers Medicare Advantage plans, referred to as Medicare Part C. These plans can cover the hospital insurance of Medicare Part A and the medical insurance of Medicare Part B, and additional benefits. Medicare Advantage plans may include ways to better manage co-pays, prescription drug costs, and other health concerns. Insurance in the form of a Medicare Part D plan includes prescription drug coverage.

img

Photo Credit: Unsplash

The best health insurance plan is one that meets people’s health and financial needs and enables them to afford visits to the emergency room, an urgent care facility, or a primary care physician office following a catastrophe such as a car accident, or for preventive care.