[Paper1]

I was unfortunate enough to be involved in an accident while riding my bicycle in a roundabout Saturday morning. Person in car stopped and I was transported by ambulance to Villages Hospital. I've got some road rash, bruises, and a broken collar bone. My problem is I have Florida Heart and Vascular and they will not even talk to me as they do not deal with Florida's no fault auto injury insurance. Although I was riding a bicycle my car insurance has to cover my medical care up to a certain amount. So basically I'm sitting home with a broken bone with no one to care for it. I was told my Medicare or Supplemental will not pay anything until my auto insurance kicks in. I got a hold of another orthopedic and they would see if an attorney sends over paperwork. Has anyone gone through this "no fault BS". I'm just astonished my primary care provider will not see me. Thanks for letting me vent.

[kcrazorbackfan]

Ahh, medical insurance; it can be one of the most frustrating things in life that people have to deal with.

Sorry about your accident; think of it as one of life's lessons.

[jnieman]

I found this website with the name of a place in Lady Lake. It has a lot of info on the site if nothing else. I know nothing about them but did a google search and this came up.

Auto Accident Injury Doctor Lady Lake FL | Car Wreck Injury Doctors

[graciegirl]

Originally Posted by Paper1

I was unfortunate enough to be involved in an accident while riding my bicycle in a roundabout Saturday morning. Person in car stopped and I was transported by ambulance to Villages Hospital. I've got some road rash, bruises, and a broken collar bone. My problem is I have Florida Heart and Vascular and they will not even talk to me as they do not deal with Florida's no fault auto injury insurance. Although I was riding a bicycle my car insurance has to cover my medical care up to a certain amount. So basically I'm sitting home with a broken bone with no one to care for it. I was told my Medicare or Supplemental will not pay anything until my auto insurance kicks in. I got a hold of another orthopedic and they would see if an attorney sends over paperwork. Has anyone gone through this "no fault BS". I'm just astonished my primary care provider will not see me. Thanks for letting me vent.

I am so sad and angry for you. It is bad enough you are hurt. Wish we could help.

[Bay Kid]

So sad....

[PennBF]

I am sorry you were injured but have a real problem with riders in the circles. There are many ways to avoid this on a bicycle using the paths. It is hard enough for a person driving around the circles without also dealing with a bicycle that can be 3 feet into driving areas. and hidden in the landscape of the circle. There are some who ride bikes and ignore the automobile traffic. In a large category of the bike riders they ignore the traffic laws regulating their use of the roads. Again, I am truly sorry you have injuries but if you ride a bike it is critical to also have some respect for the hazards the auto drivers have and be considerate for their problems to navigate the roads in the villages. The circles being serious hurdles.

[Carla B]

Yes, I have heard of medical payments getting in the way of injury care as it relates to golf-cart insurance. It led us to cancel the medical payments portion of our golf-cart coverage. I don't know if that can be done with auto insurance or what the consequences would be.

[Boomer]

Originally Posted by Paper1

I was unfortunate enough to be involved in an accident while riding my bicycle in a roundabout Saturday morning. Person in car stopped and I was transported by ambulance to Villages Hospital. I've got some road rash, bruises, and a broken collar bone. My problem is I have Florida Heart and Vascular and they will not even talk to me as they do not deal with Florida's no fault auto injury insurance. Although I was riding a bicycle my car insurance has to cover my medical care up to a certain amount. So basically I'm sitting home with a broken bone with no one to care for it. I was told my Medicare or Supplemental will not pay anything until my auto insurance kicks in. I got a hold of another orthopedic and they would see if an attorney sends over paperwork. Has anyone gone through this "no fault BS". I'm just astonished my primary care provider will not see me. Thanks for letting me vent.

I am so sorry this is happening to you. It is an appalling situation. You need care.

I am providing here a link directly from the Medicare site that gives some details on when Medicare can be billed under the circumstance of no-fault insurance.

(A phone call to Medicare with questions might be in order.)

As we all know, navigating insurance, not just health insurance, can make you feel like you are in a quagmire. It is wise to keep detailed notes on "who, what, when" as you get your information.

What is someone supposed to do about potentially serious injuries while caught up in this web?

Anyway, here is the Medicare link. Click on the next-to-last arrow on the list under the topic "I have Medicare and:"

Which insurance pays first | Medicare.gov

[SouthOfTheBorder]

Originally Posted by PennBF

I am sorry you were injured. but have a real problem with riders in the circles. There are many ways to avoid this on a bicycle using the paths. It is hard enough for a person driving around the circles without also dealing with a bicycle that can be 3 feet into driving areas. and hidden in the landscape of the circle. There are some who ride bikes and ignore the automobile traffic. In a large category of the bike riders they ignore the traffic laws regulating their use of the roads. Again, I am truly sorry you have injuries but if you ride a bike it is critical to also have some respect for the hazards the auto drivers have and be considerate for their problems to navigate the roads in the villages. The circles being serious hurdles.

You start out so nicely.

Just trying to save you from an unnecessary and unsportsmanlike 'piling on penalty'

Don

[GatorFan]

You should have an adjustor who can guide you to services that can help you. If adjustor is not helping then your agent should get involved. If you do not get assistance from them call the department of insurance and they will help.

[Paper1]

Originally Posted by PennBF

I am sorry you were injured but have a real problem with riders in the circles. There are many ways to avoid this on a bicycle using the paths. It is hard enough for a person driving around the circles without also dealing with a bicycle that can be 3 feet into driving areas. and hidden in the landscape of the circle. There are some who ride bikes and ignore the automobile traffic. In a large category of the bike riders they ignore the traffic laws regulating their use of the roads. Again, I am truly sorry you have injuries but if you ride a bike it is critical to also have some respect for the hazards the auto drivers have and be considerate for their problems to navigate the roads in the villages. The circles being serious hurdles.

I was hoping this would’t turn into a blame the bicycle rider post. That said you need to talk to local law enforcement and write to your congressmen, maybe they will change laws for you.

[Paper1]

Originally Posted by Boomer

I am so sorry this is happening to you. It is an appalling situation. You need care.

I am providing here a link directly from the Medicare site that gives some details on when Medicare can be billed under the circumstance of no-fault insurance.

(A phone call to Medicare with questions might be in order.)

As we all know, navigating insurance, not just health insurance, can make you feel like you are in a quagmire. It is wise to keep detailed notes on "who, what, when" as you get your information.

What is someone supposed to do about potentially serious injuries while caught up in this web?

Anyway, here is the Medicare link. Click on the next-to-last arrow on the list under the topic "I have Medicare and:"

Which insurance pays first | Medicare.gov

Thank you I will look that up. I still haven’t found an orthopedic yet to treat my collar bone break, but maybe tomorrow

[Marathon Man]

Originally Posted by PennBF

I am sorry you were injured but have a real problem with riders in the circles. There are many ways to avoid this on a bicycle using the paths. It is hard enough for a person driving around the circles without also dealing with a bicycle that can be 3 feet into driving areas. and hidden in the landscape of the circle. There are some who ride bikes and ignore the automobile traffic. In a large category of the bike riders they ignore the traffic laws regulating their use of the roads. Again, I am truly sorry you have injuries but if you ride a bike it is critical to also have some respect for the hazards the auto drivers have and be considerate for their problems to navigate the roads in the villages. The circles being serious hurdles.

Wow. Talk about kicking someone when they are down.

[graciegirl]

Originally Posted by Paper1

Thank you I will look that up. I still haven’t found an orthopedic yet to treat my collar bone break, but maybe tomorrow

Please keep your arm immobile. It may not be able to be "set" but you don't want it poking your insides.

So sorry you are going through this. Your health insurance won't cover it because it is an accident?

[Paper1]

Thank you for support Gracie. I’m still trying to get an appointment with orthopedic but no luck in day 5. If it wasn’t so unbelievably it would be humorous. I am most disappointed with FHVC whom my primary care doctor works for. They kicked me to curb like an empty beer can when I told them an automobile was involved. They don’t deal with Florida no fault and I kind of understand that but turning down a hurt, existing patient I struggle with.