Advocacy
Who Pays the Bills for Brain Injury When There is an Accident?
Last Updated:
The following is an op-ed or "Letters" statement from The Brain Injury Association of Pennsylvania:
Pennsylvania passed a law to allow motorcyclists to drive without wearing
a helmet. But who pays the medical bills when a motorcyclist suffers a
catastrophic brain injury, and how does this law affect our overall medical
policy?
The fact is that when private insurance runs out, and that happens quickly
in catastrophic brain injury hospitalization and rehabilitation, Medicaid
picks up this bill. Why is Pennsylvania trying to avoid cutting skyrocketing
Medicaid benefits? Part of the reason Medicaid benefits are skyrocketing is
that millions of state Medicaid dollars will be used to pay the medical costs
of motorcyclists who have suffered catastrophic brain injury when involved in
motorcycle accidents while riding without a helmet. Our legislators must stop
the injuries, the pain, and cost to the public and require motorcycle helmets
for all riders.
Florida legalized riding a motorcycle without a helmet over 3 years ago.
There is a lesson to be learned from Florida's experience. According to the
Miami Sun-Sentinel, a federal study has found motorcycle fatalities in Florida
increased more than 81 percent, and the number of deaths for riders younger
than 21 nearly tripled in the three years after state lawmakers repealed a law
requiring riders to wear a helmet.
The National Highway Traffic Safety Administration study also found
injuries have become more expensive to treat. The average hospital cost to
treat a head injury was $45,602, more than four times the $10,000 insurance
non-helmeted riders are required to carry. Preusser Research Group, a
Connecticut research firm specializing in transportation and highway safety,
conducted the study for the federal agency.
In the three years after the repeal, 61 percent of the 933 fatally injured
motorcyclists were not wearing a helmet. Of the 101 riders younger than 21 who
were killed in those three years, 45 percent were not wearing a helmet. "The
numbers are pretty compelling that Florida has paid a high price," said Rae
Tyson, a Florida spokesman quoted in the Sun-Sentinel. "There is enough here
for any state contemplating a helmet repeal to realize there are serious
consequences." Florida and U.S. taxpayers are sharing a bill of more than $10
billion over three years so that some citizens in Florida can choose to ride
without a motorcycle helmet.
We have some questions for our state legislature. Is there any legitimate
reason why Pennsylvania does not require motorcycle helmet use? How much is
this helmet law costing Pennsylvania? If helmet use were required by law and
enforced, how many lives would be saved, and how many Medicaid dollars could
be saved for the benefit of others? Is there any reason why Pennsylvania
Medicaid dollars are being spent to subsidize reckless behavior?
The Brain Injury Association of Pennsylvania, which is headquartered in
Harrisburg, is a 501(c)(3) membership organization and is largely staffed
through volunteers. There are 245,000 Pennsylvanians living with brain injury,
according to statistics from the Centers for Disease Control. Every year in
Pennsylvania, there are an estimated 2,033 fatalities due to traumatic brain
injury.
PRNewswire, Aug. 22