A Vent And A Question....

[mjh341]

PLEASE EXCUSE ME FOR TYPING IN ALL CAPS. I AM NOT YELLING. I HAD EYE SURGERY A COUPLE OF WEEKS AGO AND THIS IS THE ONLY WAY I CAN READ WHAT I WROTE. MY WHINE...MY SON FELL AT SCHOOL A WEEK AGO AND WE TOOK HIM TO THE ER. THE DR @ ER SAID HE HAD TORN ALL THE LIGAMENTS ON THE LEFT SIDE OF HIS LEFT KNEE AND THERE WAS A BONE CHIP IN IT. I TOOK HIM TO AN ORTHO, DR FRIDAY WHO ORDERED A STAT MRI. I GOT THE RESULTS TODAY. ALL THE LIGAMENTS ARE TORN AWAY FROM THE BONE. WHEN MY SON FELL HE KNOCKED HIS KNEECAP OUT OF PLACE, WHEN HE STRAIGHTENED HIS LEG TO GET UP IT WENT BACK. AS IT WENT BACK IT FRAGMENTED THE BONE UNDER THE KNEE CAP. HE IS GOING TO HAVE SURGERY THURSDAY. WHEN I CALLED HIS SCHPPL EODAY TO SET UP HOME SCHOOLING UNTIL HE CAN WALK WELL ENOUGH TO RETURN TO SCHOOL, THE COUNSELOR ASKED ME DID DOMEONE AT SCHOOL FILE AN ACCIDENT REPORT. I TOLD HER I JAD NO CLUE. SHE SAUD THIS MAY FALL UNDER THE SCHOOL'S INSURANCE. DOES ANYBODY KNOW WHAT SHE MEANT BY THAT? WILL OUR HEALTH INSURANCE NOT COVER THIS? I TURNED IN OUR HEALTH INS CARD WHEN HE WAS SEEN AT THE ER AND THE THE ORTHO. WILL IT NOT PAY/ WHEN REPLYING WILL YOU PLEASE BE KIND ENOUGH TO REPLY IN ALL CAPS SO I CAN READ IT?

[YankeeMary]

THE SCHOOL HAS INSURANCE AND SINCE HE WAS HURT AT SCHOOL POSSIBLY THE SCHOOLS INSURANCE WILL PAY FOR IT. ASK TO SPEAK TO THE SCHOOLS OFFICE MANAGER AND HAVE THEM TURN IT INTO THE SCHOOLS INSURANCE, IT CAN'T HURT. I HOPE YOUR SON RECOVERS WELL SORRY IT HAPPENED. ALSO, SEVERAL HOSPITALS HAVE FUNDS FOR LOWER INCOME/NO INSURANCE FAMILIES CALL AND TALK TO THEIR FIANCIAL COUNSLER AT THE HOSPITAL IF THE SCHOOL DOESN'T PAY FOR IT...WHAT PART OF GEORGIA ARE YOU IN??? I AM IN CUMMING.

[silvermist]

BASICALLY WHAT PREVIOUS POSTER SAID. BUT I THINK THERE'S LIKE A TIME THING IN WHICH THE COMPLAINT HAS TO BE FILED. I REMEMBER SOMETHING LIKE THIS HAPPENING AND THEY GAVE AN INSURANCE PAPER. BASICALLY THE SCHOOL WILL COVER IT IF IT HAPPENED ON SCHOOL GROUNDS BUT YOU CAN'T WAIT DAYS AND DAYS AND THAN CLAIM SOMETHING HAPPENEED AFTER IT DID. BUT IF YOU HAVE INSURANCE IT SHOULD BE FINE. S CHOOL INSURANCE IS JUST A BACK UP IN CASE. LIKE WORKERS INSURANCE.

[mjh341]

YANKEEMARY, I AM IN CEDARTOWNA AND YOU ARE NEVER GOING TO BELIEVE THIS, BUT I AM A FINANCIAL COUNSELOR. IT'S JUST THAT ACCIDENT CLAIMS, WHETHER THEY ARE FROM A MVA,, WORKMANS COMP, OR WHAT EVER ARE A VERY GRAY AREA. SIKVERMIST THANK YOU FOR REPKYING AND YOU ALSO YANKEEMARY. I DEEPLY APPRECIATE YOUR INPUT.

[schsa]

MOST SCHOOL INSURANCE PAYS ONLY AFTER YOUR GROUP OR PERSONAL INSURANCE PAYS. THIS IS A VERY COMMON PROVISION IN MOST PLANS. ASK YOUR INSURANCE COMPANY BUT I THINK THAT YOU WILL FIND THAT THE SCHOOL IS SECONDARY.

[Quaker_Parrots]

wHEN MY SON STAPLED HIS FINGER AT SCHOOL LAST MONTH, THE SCHOOL SECRETARY GAVE ME AN ACCIDENT REPORT TO GIVE TO THE DR, AND TOLD ME TO TELL THE DR'S OFFICE THAT WHATEVER MY INSURANCE DIDN'T PAY, TO SEND THE BILL TO MY SON'S SCHOOL, AND THEY WOULD COVER THE DIFFERENCE. I THINK THIS IS HOW IT WORKS IN MOST CASES. CALL YOUR CHILD'S SCHOOL, AND SEE WHAT THEIR POLICY IS.

[mjh341]

THANKS EVERYONE FOR REPLYING. ALL OF YOUR INPUT IS GRATLY APPRECIATED AND HELPED ALOT ALSO.