When someone sustains a serious brain injury, the most important thing is their physical and mental recovery. However, not unlike other medical issues, the cost of care for a traumatic brain injury is often a daunting aspect of the injury that must be tackled. Read on and contact a Connecticut brain injury lawyer from Casper & de Toledo to learn more about the cost of care for a traumatic brain injury and how our firm can help minimize the financial impact of such an injury on your behalf.
The Cost of Care for a Traumatic Brain Injury
The economic cost of traumatic brain injury can be both overwhelming and devastating. Costs can include the medical bills for acute care at a hospital, routine imaging studies including CT Scans and MRIs, physicians, rehabilitation, neuropsychological evaluations, and non-medical supportive care.
In the context of a personal injury claim, it is extraordinarily rare for the responsible party’s insurance company to pay any expenses for health care until such time as the case is resolved on a final and global basis. At the very least, your attorney should be able to provide guidance for dealing with the cost of medical treatment until your case is resolved. For any patient with a traumatic brain injury, a global settlement should be based upon a thorough life care plan that contemplates all anticipated injury-related expenses for the balance of a patient’s lifetime.
Traumatic Brain Injury Costs with Medical Insurance
If a patient has medical insurance, many health care costs may be covered or reimbursed, in whole or part, during the pendency of a claim. However, insurance will rarely pay for in-home supportive care, institutionalization, group homes, or even adult daycare. If eligible for state subsidization through Medicaid, a patient residing in Connecticut can apply for additional subsidy via an Acquired Brain Injury (“ABI”) Waiver through the Connecticut Department of Social Services.
This Waiver program does not apply to patients with either developmental or degenerative disorders. It is a patient-centered program that provides a range of home and community-based support services for adults who would otherwise require some degree of institutionalization. Even with such program assistance, coverage is barely adequate. More information about the Connecticut Department of Social Services’ (“DSS”) Acquired Brain Injury Waiver program can be found in the DDS Brochure.
Some Costs of Litigation Overlap with Health Care Costs
Under limited circumstances, an injured party’s traumatic brain injury attorney may be able to advance some costs that can be viewed as both payment of health care expenses and expenses of litigation. Examples include neuropsychological assessments and advanced neuroimaging costs. This can be justified because, generally, major medical insurance will not pay for the type of comprehensive neuropsychological assessment necessary to stand up in litigation. In the case of advanced quantitative neuroimaging, while the scan may be covered by insurance, the post-processing analysis likely is not.
Contact a Stamford, Connecticut Brain Injury Lawyer
If you or a loved one has had a traumatic brain injury, contact the attorneys at Casper & de Toledo today to schedule a free consultation. We are prepared to help you through each phase of the claims process to help you receive the compensation you need to make a full recovery.