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Texas Law Covers Traffic Accidents

Insurance Companies Must Cover ER Trips Involving Traffic Accidents

Danger on the Road – Traffic Accident Statistics

With nearly 264 million vehicles registered and over 218 million individuals with a valid driving license, our roads are some of the busiest in the world. This, unfortunately, means traffic accidents are more common than any of us would like.

Annual Car Accidents in The United States

Every year the National Highway Traffic Safety Administration (NHTSA) issues a briefing based on reported car accidents nationwide. The NHTSA keeps track of injuries, fatalities as well as the factors which might have contributed to the crash such as speeding, alcohol, and distractions.

From these reports we can gather the following statistics:

  • There are more than 6 million reported car crashes a year in the United States
  • An estimated 37,133 people lost their lives in motor vehicle-related accidents in 2017
  • 18,720 people have died between January and June of 2018 according to the National Safety Council

The Impact of Motor Vehicle Accidents in Texas

Data from the National Highway Traffic Safety Administration, the state of Texas has the most traffic fatalities of any state in the country.

  • In 2017 there were 3,407 fatal car crashes reported
  • 3,722 people lost their lives due to a car crash related incident in 2017
car accident trauma emergency

Most Common Causes of Traffic Accidents

Distracted Driving

Distracted driving is the leading cause of road accidents in America. Drivers can become distracted by several things while driving:

  • Cell phones
  • Eating
  • Drinking from a mug or bottle
  • Talking
  • Children
  • Pets in the car

Not paying attention to the road while driving can have dire consequences; the NHTSA reports 3,166 fatalities in distraction-affection crashes in 2017. There were also an estimated 795 deaths due to drowsy driving last year.

In addition to these tragic deaths, thousands of victims who experience long-term disabilities.

Speeding

The second most common cause of road accidents in the United States is speeding, and because most of these accidents typically occur at high speeds, it is also a significant cause of traffic accident-related deaths with an estimated 9,717 deaths in 2017.

Drunk Driving

Road accidents involving drunk drivers are another major cause of injuries and fatalities, especially during the weekend and holidays. Drinking slows down our response time and our ability to focus on the road, and it can also make us drowsy.

According to data from the NHTSA,

“29% of the total fatalities of road accidents were in alcohol-impaired-driving crashes.”

In our own state of Texas:

Out of the 3,722 road accident deaths in 2017, 1,468 or 39% of them occurred in an accident caused by a drunk driver.

Getting Prompt Medical Attention Can Help Save A Life

According to the CDC for every person killed in a road accident,

“8 were hospitalized, and 100 were treated and released from the Emergency Room.”

Anyone who is involved in a severe motor vehicle accident should be taken to the nearest Emergency Room for evaluation, given that some injuries can only be diagnosed with advanced imagining technology.

During a crash, victims might have suffered internal injuries or head trauma that if not treated promptly can lead to long-term disabilities or even death.

Some injuries are more time-sensitive than others, in these cases it is better to transfer the patient to a Free-Standing ER facility such as any of the Altus Emergency Centers where they can be treated by a licensed emergency physician right away, rather than transport them to a Hospital ER where their treatment might be delayed due to overcrowding issues.

It’s important to remember that insurance companies are obligated to offer emergency room coverage in their policies. If you are involved in a car accident and need to go to the emergency room, your insurance policy will cover your visit.

Altus Emergency Centers Texas is Here for You 24/7

Altus ER. We-Have-Dedicated-Specialists

Altus Emergency Centers are all open 24/7/365, with no lines. Our facilities are well-equipped to diagnose and treat everything from major to minor adult and pediatric emergencies.  We are honored to be a part of our beautiful Texas communities and work hard each day to help see them grow and prosper!

24 Hour ER Services – Best in Texas

Looking for the best quality 24 hour ER services?

We offer the best freestanding 24 hour ER services in Texas. We have top of the line medical technology and highly experienced ER healthcare experts prepped and ready to come to your aid in Baytown, Lake Jackson, Lumberton, and Waxahachie.

Each ER team is highly efficient in treating chest and abdominal pains, pediatric emergencies, flu symptoms, sports injuries, bone breaks, and fractures, as well as all other major and minor injuries. All services are available 24/7, including weekends and holidays with little to no wait times.

Don’t Fall Prey to Insurance Company Fear Tactics

Don’t Fall Prey to the Insurance Company Fear Campaign

A study from the Doctor Patient Rights Project (DPRP) has revealed a disturbing trend amongst large insurance companies.

In the study, the DPRP singled out a company named Anthem Blue Cross – Blue Shield, which through its affiliated networks is the nation’s largest private health insurer. The findings in the study claim that Anthem has been retroactively denying insurance claims for emergency room visits from its clients, especially those who are from low income or rural areas.

The DPRP concluded that the purpose of Anthem’s policy is to make its clients too afraid to go to the ER out of fear that they will not be covered and must pay the whole bill out of pocket, which most patients are unable to do.

This conclusion is widely shared by the physicians and administrative staff of Emergency Rooms across the country as put in evidence by the comment of Dr. Ryan Stanton a critical care and emergency medicine specialist in Lexington, Kentucky,

“The purpose of this program is to spread fear.”

What is Anthem Blue Cross – Blue Shield Doing?

Last year, Anthem started notifying its clients in certain parts of the country, that if their ER visits end with a diagnosis for something that isn’t an emergency, they would be responsible for 100% of the cost of their visit.

The problem with this policy is that most of us don’t have enough medical knowledge or training to self-diagnose before going to the ER. According to The American College of Emergency Physicians (ACEP), there is nearly a 90-percent overlap in symptoms between emergencies and non-emergencies, according to a study in the Journal of the American Medical Association (2013). These symptom overlaps make it extremely difficult for any of us to determine the difference between abdominal pain that is life-threatening and abdominal pain that isn’t.

The fear factor that Anthem is creating with their denial policy means more people will choose to wait and see if their symptoms improve before seeking immediate emergency medical attention, a decision that could lead to lifelong disabilities or even death.

PROTECT YOUR RIGHTS!

The Law is on Your Side

The policy is so outrageous and dangerous to the public, that it has even reached the Senate. As reported by CBS News, Sen. Claire McCaskill, D-Missouri, sent a letter to both the U.S. Department of Health and Human Services and the Department of Labor asking them to investigate whether certain health insurers had violated the Prudent Layperson Standard.

The Prudent Layperson Standard which was added to the group and individual health insurance plans in 2010, and it requires health insurance companies to cover emergency room visits based on symptoms and not the final diagnosis. It also eliminates the requirements for prior authorization before seeking emergency care.

In our state, the Texas Department of Insurance requires insurance companies to pay emergency facilities like Altus Emergency Centers, the same way they would bill a facility which is part of the insured’s in-network. In other words, your insurance company should cover the same amount regardless of what type of emergency facility you visit, they cannot provide you with a lower benefit level.

The Patient Protection and Affordable Care Act also added numerous patient protections, most notably, they now require health plans covering emergency services to provide such coverage without the need for prior authorization.

Furthermore, health plans are required to pay for emergency visits for medical situations in which an average layperson believes his or her health is threatened. The final diagnosis should not influence whether the insurer pays for the emergency room visit or not, and insurance companies cannot legally apply the claim towards the out-of-network benefits.

What Can You Do If Your Claim is Denied?

The first thing you should do is contact our Patient Advocate Department. Our staff will review your denial and process an appeal on your behalf; they will submit documentation and justification for any ER treatment that you received.

If you get denied a second time, you still have the option to request an external review by a third-party, which will most likely be the state insurance regulator.

The appeal process is lengthy and labor-intensive because the goal of the insurer is for you to give up. Regardless of how long it takes you should continue with the process because the law is on your side.

Don’t fall victim to these scare tactics being implemented by insurance companies. If you have any concerns about the emergency medical coverage of your health insurance plan, our Patient Advocate can help clear these and even arrange to speak directly to your health insurance agent on your behalf.

Altus Emergency Patient Advocates are here to help you.  We help you decipher the complexity of the medical industry to uncover how it can be most beneficial to you.  We have focused our efforts on helping people better understand their insurance plans and how our billing works.

If you have any questions regarding your billing, please don’t hesitate to contact our Patient Advocate Department.  Please feel free to call 469-383-7361 between 8:00 am and 5:00 pm and ask for the Patient Advocate.

MY EMERGENCY, MY CHOICE!

Altus Emergency Centers Texas is Here for You 24/7

Altus ER. We-Have-Dedicated-Specialists

Altus Emergency Centers are all open 24/7/365, with no lines. Our facilities are well-equipped to diagnose and treat everything from major to minor adult and pediatric emergencies.  We are honored to be a part of our beautiful Texas communities and work hard each day to help see them grow and prosper!

24 Hour ER Services – Best in Texas

Looking for the best quality 24 hour ER services?

We offer the best freestanding 24 hour ER services in Texas. We have top of the line medical technology and highly experienced ER healthcare experts prepped and ready to come to your aid in Baytown, Lake Jackson, Lumberton, and Waxahachie.

Each ER team is highly efficient in treating chest and abdominal pains, pediatric emergencies, flu symptoms, sports injuries, bone breaks, and fractures, as well as all other major and minor injuries. All services are available 24/7, including weekends and holidays with little to no wait times.

Lumberton Christmas Card Contest 2018

Christmas Card Contest 2018

Thank You Lumberton Intermediate ISD!

4th Annual Christmas Card Contest

It was a pleasure to hold the Annual Christmas Card Contest for the fourth year in a row.  A special thank you to the art teacher, Kristy Cleveland.  Last week we celebrated the students who participated and excelled in our 2018 Intermediate Christmas Card Contest. While we are so proud of each child, allow us to present the following winners:

BOYS TOP THREE:

  • Kai Brown
  • Oscar Rivera
  • Gaivyn Brooks

GIRLS TOP THREE:

  • Emily Nicholson
  • Addalee Buxton
  • Elizabeth Thomas

Highlights of the Awards Ceremony

The following are some of the highlights from the awards ceremony we held in honor of the parents, teachers and of course the inspired children that participated in the Christmas Card Contest 2018.

Our Commitment to You

Altus Emergency is committed to the relationships we forge. Here, the community and schools that surround us are an integral part of our success. We truly want you all to thrive.

Through the years, we’ve remained true to our mission of giving back to the community. Some of you may have actually met us while we were out supporting our local law enforcement or through our monthly Altus Gives charity drives.

We stay true to our commitment year-round and enjoy seeing the impact. We are truly here to serve you, even beyond the ER. You are more than a number. You’re Family!

Thank you, Lumberton, for choosing us time after time!

https://www.lilyhair.com/collections/toppers

Altus Emergency Centers Texas is Here for You 24/7

Altus ER. We-Have-Dedicated-Specialists

Altus Emergency Centers are all open 24/7/365, with no lines. Our facilities are well-equipped to diagnose and treat everything from major to minor adult and pediatric emergencies.  We are honored to be a part of our beautiful Texas communities and work hard each day to help see them grow and prosper!

24 Hour ER Services – Best in Texas

Looking for the best quality 24 hour ER services?

We offer the best freestanding 24 hour ER services in Texas. We have top of the line medical technology and highly experienced ER healthcare experts prepped and ready to come to your aid in Baytown, Lake Jackson, Lumberton, and Waxahachie.

Each ER team is highly efficient in treating chest and abdominal pains, pediatric emergencies, flu symptoms, sports injuries, bone breaks, and fractures, as well as all other major and minor injuries. All services are available 24/7, including weekends and holidays with little to no wait times.

HEALTH NEWS, EVENTS & MORE.

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😱 EMERGENCIES CAN BE SCARY!
This Halloween, 💀 Don't Turn into a Skeleton Waiting in Line!
🚨 Go to the NO WAIT ER Open 24/7, In-House Doctors 👨‍⚕️

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🏥 #AltusERCenters Happy Halloween!

🌝 It looks like we're forecasting GREAT WEATHER AHEAD!
Tonight, we root for the #HoustonAstros . ⚾ 🏆 #TakeItBack Guys!
🎃 On #Halloween, we'll see you at the #TrunkorTreatLumberton2019!
Oct. 31st, 6:30pm - 8:30pm 137@ N Lhs Dr, Lumberton

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