Joseph Romano Law

My client, a minor child, received a traumatic brain injury when struck by an automobile while riding on a bicycle. The child lived with his parents. The parents' minimal $5,000 medical Personal Injury Protection (PIP) automobile coverage was exhausted. The secondary coverage was under the parents' managed care insurance coverage with Company A. Two months after the accident, the father's employer changed insurance companies, and the new insurance company (Company B) denied payment. Company A argued that Company B was responsible for payment of the on-going medical bills; Company B argued that Company A was responsible for payment of the on-going medical bills, since the accident occurred while Company A's policy was in effect. When there is a change in health care insurance companies, the Healthcare Portability Law must be carefully examined to determine what health insurance company, if any, is responsible for payment of short-term and long-term medical benefits.