HEALTH INSURANCE CASUALTY OF THE DAY: Tom Wenning - Portland, OR - 09/26/08
Insured Amputee Still Faces Liens against Home
"Last year, I was involved in a high-impact motorcycle accident," recounts Tom Wenning of Portland, Oregon. "I was life-flighted to the local trauma hospital and spent two weeks in ICU, three weeks in the trauma recovery and acute-care unit, and five weeks in a rehabilitation hospital."
"I now have an amputated left leg and a 'frozen' left shoulder. I was released from the rehabilitation hospital in July of last year. But during the preceding May and June of that year, those two hospitals, various surgeons, radiologists, and anesthesiologists placed 21 liens against my and my wife's home, totaling $531,000. All these liens were placed on my home before I was released from the hospital and before I'd even seen a bill."

"The strange part of all this is that I have complete medical insurance coverage, and all my medical providers knew it. Three of those liens still exist, even though the bills have been paid by my HMO. My accident not only has cost me thousands of dollars out of my own pocket in co-pays and deductibles, but it has cost me grief over our home and possible credit repercussions."
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Sponsored by the California Nurses Association/National Nurses Organizing Committee
Eighty-two percent of Americans think the U.S. healthcare system should be fundamentally changed or completely rebuilt (Commonwealth Fund, Aug. 7, 2008). America's nurses know that only single-payer, improved and expanded Medicare for all will fix our broken system and the tragedy of our devastated families. HR 676, by U.S. Rep John Conyers, is the most comprehensive, cost effective way to achieve guaranteed healthcare for all.
For more information, or to contact this patient: Liz Jacobs, RN 510/273-2232.
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Another joke
How is this the fault of the insurance company? The physicians and hospitals were paid according to their contract and they still went after the guy and put a lein on house before he was discharged. Or before they even sent him a bill. The insurance company didn't put a lein on his home, now did they? It was the alleged practitioners of the healing arts who now put the almighty dollar above everything else.
This site is a joke.
This site is a joke
Scuzz: I believe you're missing the point. I have coverage for 100% of all medical costs, not just "reasonable costs." What good does that do me when the hospitals, physicians, etc. place over a half million dollars worth of liens against me? What good is the insurance when my providers refuse to deal with my HMO over any reimbursement disagreements, but instead place liens against me and expect me to intervene with my HMO on their behalf?
If I have a lawyer as my representative in a lawsuit, the other side is not allowed to contact me. That's what the lawyer is for. I have 100% medical coverage, but instead of the hospital, etc. dealing with my HMO, my representative, they bypass them and come after me. Nobody said my situation is the fault of the insurance company. It's the health care financial/insurance system itself that is the culprit. If you're not financially safe when you have guaranteed 100% medical insurance coverage, the system is broken. Ours is the richest nation in the history of this planet, yet millions of our citizens have no health insurance. Something is definitely broken. Tom Wenning
After reading your post, I
After reading your post, I have a question: Is the situation here due to reasonable and customary reductions because the hospital you went to was outside the HMO? It sounds that way but I want to clarify.