r/Insurance • u/jjmaybby • Jul 20 '26
Health Insurance Short term insurance for injury?
So on the Fourth of July, about 2 weeks ago I got into a four wheeler accident that left me with a messed up knee. I can bear wait but it’s basically locked in place and I can’t turn without pain. It leads me to believe I have a torn meniscus, but I don’t have insurance as I didn’t sign up in time when I started this job. Would it be worth it to get short term insurance, and trying to get an mri to see what’s going on? Or is it better to wait for my insurance to begin and January and start the process? I know medically asap is better but financially is my issue right now
7
u/Crowlady77 Jul 20 '26
I'm not sure what would be available that would cover the pre-existing condition, but it's likely to be expensive :(
0
6
u/Marpl Jul 20 '26
Look for a sliding scale doctor in your area.
1
u/jjmaybby Jul 20 '26
I haven’t been able to find any yet unfortunately but I’m still looking
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u/StillSwo Jul 20 '26
You need to get an injury attorney and have them sue for your medical expenses.
1
u/jjmaybby Jul 20 '26
I was just hoping it didn’t come to that as the one driving is an in law
2
u/StillSwo Jul 20 '26
Family or not all most states require vehicles to carry Bodily Injury & Property Damage Liability. You're not suing your family, you're suing the insurance company for your injuries.
1
u/Janknitz Jul 20 '26
Your in-law's vehicle insurance should cover this. That's why they have it. It may make their premiums go up, but as long as you aren't suing them for more than the policy limits it's not going to harm them. WAITING for assessment and treatment may have very bad long term effects for you. You need to contact their insurance company and make arrangements for medical care. Pronto.
1
u/jjmaybby Jul 20 '26
They don’t have insurance I just found out as it’s used for private residence in Florida they don’t need it
1
u/Janknitz Jul 20 '26
Then you might have a claim against their homeowner's insurance. Seriously, you need to take care of this. Understand that even if you get insurance in January, you are likely to have HUGE premiums, deductibles and co-payments, unless you qualify for Medicaid.
1
u/TheGoodBunny Jul 20 '26
In that case their homeowner insurance covers it. Just use their honeowner insurance - that's what it's for.
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u/SheepherderHot1415 Jul 20 '26
That's not how any of this works. Otherwise everyone would just wait until they get sick and then get short term insurance.
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u/jjmaybby Jul 20 '26
Again, I truly don’t know how it works hence why I asked the sub
2
u/uffdagal Disability/Health/Life Jul 20 '26
What insurance company would make money on this? You pay a $600 premium and they pay a $3500 MRI. Think of it that way. You get insurance when you don’t need it.
1
u/jjmaybby Jul 20 '26
Thank you for this explanation tbh people act like I’m stupid for not understanding insurance, I’ve just been poor my whole life and never was able to get it 🤷🏻♀️
2
u/dehydratedsilica Jul 20 '26 edited Jul 20 '26
Short term insurance doesn't work for pre-existing conditions, a.k.a., things that happened before you got the insurance. If you need to be evaluated/treated now, you're looking at self-paying for doctor visit, imaging, etc. Call providers and ask for cash price and be prepared to pay up front. Or look up a "federally qualified health center" in your area and ask about sliding scale fees based on income or get a new/second job that will offer new hire benefits or quit or reduce your current job hours to qualify for Medicaid (assuming Medicaid is available in your state based on income level). There are not much "good" options if you didn't get insurance "before you needed it".
ETA: The above is about standard "health insurance". There may be another route if this was a "motor vehicle accident" (although "four wheeler accident" didn't immediately register because it sounded like a recreational/unlicensed vehicle).
1
u/PurpleFaithlessness Jul 20 '26
I’m sorry, I just had multiple knee surgeries a few days ago including a torn meniscus so I feel for you.
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u/TheGoodBunny Jul 20 '26
You can't get insurance AFTER the injury and expect them to cover... well.. anything. You were not covered when you got injured..
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u/Thin-Egg-1605 Jul 21 '26
You can’t get insurance and expect it to cover an event before you have and paid for the insurance. This is satire right?
-1
u/pineappleshaked Jul 20 '26
Your vehicle insurance may cover some. Read terms
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u/jjmaybby Jul 20 '26
I wasn’t driving nor was it my four wheeler, AND the insurance isn’t in my name as I lost my car in a fire and have been using my mothers
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u/pineappleshaked Jul 20 '26
"I got into a four wheeler accident " what does it mean then ?
1
u/jjmaybby Jul 20 '26
Like an atv?
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u/pineappleshaked Jul 20 '26
You gotta tell who was driving and who was at fault to answer anything
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u/jjmaybby Jul 20 '26
My finances cousins wife, and it was a single vehicle accident we slid off the road due to dirt and her taking a turn too fast
2
u/pineappleshaked Jul 20 '26
So you were passenger ? The car owner's liability insurance should cover that
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u/jjmaybby Jul 20 '26
It’s an atv they don’t have insurance on as it’s used for private residence in Florida
4
u/NotShockedFruitWeird Jul 20 '26
Check with homeowners insurance then.
Call around and find someone to do a MRI. Maybe get a list of places that take the Florida equivalent of Medicaid because they may be willing to negotiate
1
-1
u/pineappleshaked Jul 20 '26
There may be a case where at fault party's insurance may reimburse Money.
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u/[deleted] Jul 20 '26
[deleted]