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How does health insurance work when you are hospitalized for 6+ months?

 
Natural Herbal Vegan
User ID: 4513769
United States
07/26/2013 05:54 AM
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How does health insurance work when you are hospitalized for 6+ months?
let's say Joe Blough gets into a car accident. he is in critical condition for the next six months.

he is in the hospital. he had a great slave job with overpriced health insurance that he paid for without using for about a decade.

the month following his accident, he is a total loner with no savings... all banged up in the hospital, and he is unable to pay his future insurance premiums.

what happens at this point?

does the insurance coverage stop? or is he covered until he is released from the hospital?
a passing cloud

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07/26/2013 05:57 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
he'd be snuffed long before the six months were up, and his viable organs and tissues would be awarded to the highest bidder.
Face Palmer
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User ID: 44069714
Germany
07/26/2013 06:01 AM

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Re: How does health insurance work when you are hospitalized for 6+ months?
Here it goes like this: After 6+ weeks the health insurancer pays the wage, but not full. I guess its 60% of the full wage.
"The world will soon wake up to the reality that everyone is broke and can collect nothing from the bankrupt, who are owed unlimited amounts by the insolvent, who are attempting to make late payments on a bank holiday in the wrong country, with an unacceptable currency, against defaulted collateral, of which nobody is sure who holds title."

Never attribute to malice that which is adequately explained by stupidity.
Anonymous Coward (OP)
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07/26/2013 06:05 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
Here it goes like this: After 6+ weeks the health insurancer pays the wage, but not full. I guess its 60% of the full wage.
 Quoting: Face Palmer


this is very good. i like germany very much. i should move back to the fatherland!!!
Anonymous Coward (OP)
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07/26/2013 06:05 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
he'd be snuffed long before the six months were up, and his viable organs and tissues would be awarded to the highest bidder.
 Quoting: a passing cloud


are you in israel? lol
Face Palmer
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User ID: 44069714
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07/26/2013 06:12 AM

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Re: How does health insurance work when you are hospitalized for 6+ months?
Here it goes like this: After 6+ weeks the health insurancer pays the wage, but not full. I guess its 60% of the full wage.
 Quoting: Face Palmer


this is very good. i like germany very much. i should move back to the fatherland!!!
 Quoting: Anonymous Coward 4513769


Everyone working does pay health insurance tho. Main part has to be covered by the employer I think. So we have it working here for years.
"The world will soon wake up to the reality that everyone is broke and can collect nothing from the bankrupt, who are owed unlimited amounts by the insolvent, who are attempting to make late payments on a bank holiday in the wrong country, with an unacceptable currency, against defaulted collateral, of which nobody is sure who holds title."

Never attribute to malice that which is adequately explained by stupidity.
Anonymous Coward (OP)
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07/26/2013 06:17 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
RIGHT ON FACE PALMER! DANKE!


WHAT HAPPENS HERE IN THE USA? AT WHAT POINT DOES THE INSURED, BUT INJURED WORKER GET SCAMMED AND STIFFED?
Anonymous Coward (OP)
User ID: 4513769
United States
07/26/2013 06:24 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
say the accident was the other driver's fault, who had no insurance whatsoever, but he was lucky cause he didn't get injured. only Joe got injured.

i know there are many different outcomes from accidents, i mainly want to know how we can avoid getting screwed over by some of these crooked industries.


then to add to Joe Blough's arsenal of insurance, Joe has full-coverage car insurance.

between the two insurances, shouldn't all his medical bills be covered? and he should still be receiving a portion of income from his employer, health insurance, and/or car insurance?

i hope somebody can explain all this stuff. it is a mystery to all the people i know lol
Anonymous Coward
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07/26/2013 06:27 AM
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Re: How does health insurance work when you are hospitalized for 6+ months?
he'd be snuffed long before the six months were up, and his viable organs and tissues would be awarded to the highest bidder.
 Quoting: a passing cloud


are you in israel? lol
 Quoting: Anonymous Coward 4513769


He's in the Occupied Territories, Western Command.

Just like you and me.

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