If you ride or were previously injured in a motorcycle accident, don’t have health insurance, and still haven’t signed up for the Affordable Care Act, (Obama Care), do it now! Even if you don’t ride but don’t have health insurance, you should sign up for Obama care at https://nystateofhealth.ny.gov.
Motorcyclists and their passengers do NOT have No-Fault insurance coverage which provides medical coverage for people injured in a car accident. Therefore, if you ride and don’t have either health insurance, Medicaid, or Medicare, you have NO insurance coverage to pay for your medical treatment if you’re injured in a motorcycle accident.
People who have health insurance usually get it through a group plan at work. For people who do not have access to a group plan, health insurance was available but so expensive, it was unaffordable for most people.
The Affordable Care Act guarantees that all Americans, regardless of their health status or pre-existing conditions, will finally have access to affordable health insurance coverage. That means if you need medical treatment for injuries you had in an earlier motorcycle accident, you can now have medical insurance to pay for your treatment!
Enrollment began on October 1 but if you didn’t sign up before Jan 1, you will still be able to apply before March 31, 2014, for the motorcycle accident next season.
There are different plans available at varying costs. The cheaper plans will have higher out of pocket costs in the event you need to use your coverage. Since the risk of a costly injury is substantially higher in a motorcycle accident, we advise taking the best plan to avoid expensive out of pocket costs.
For 2014, insurers are offering standardized insurance plans within tiers called bronze, silver, gold, and platinum at varying costs. The cheaper plans will have higher out of pocket costs in the event you need to use your coverage. Since the risk of a costly injury is substantially higher in a motorcycle accident, we advise taking the best plan to avoid expensive out of pocket costs.
Medicaid is available if you are under the age of 65 with an income of less than $15,856 for an individual or $32,499 for a family of four. You may be eligible for financial assistance to purchase coverage through the exchange (Obama Care) if your income is less than $45,960 for an individual or $94,200 for a family of four. If your income is higher, you can still purchase coverage without financial assistance. If you do not purchase health insurance, you will be subject to a small penalty.
For more information about the Affordable Care Act (Obama Care) go to https://nystateofhealth.ny.gov.
Even if you have health insurance coverage, you may not have coverage for some injuries or it may be very difficult to obtain treatment for some injuries such as dental injuries and plastic surgery. We can arrange treatment when you don’t have coverage or have difficulty finding a physician willing to treat you without being paid upfront. For more information see https://newyorkmotorcycleaccidentlawyer.com/preexisting-injury
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Motorcycle Attorney Phil Franckel talks about how motorcycle accidents are different
Philip L. Franckel, Esq. is the author of all articles and content on this website, one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York, well-known for representing motorcyclists. He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and is a former Member of the Board of Directors of the New York State Trial Lawyers Association. Mr. Franckel created the motorcycle awareness campaign BE AWARE MOTORCYCLES ARE EVERYWHERE®.
Founding Partner Rob Plevy, Esq.
Robert Plevy, Esq. is a motorcycle accident lawyer and one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York. Robert began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.