Are Insurance Companies Evil? Billion Dollar Company Wants Settlement From Paralyzed 7 Year Old Child
It might seem like an inflammatory question to some, and may seem like a rhetorical question to others, but to me, it is a question we should all ask. I write that because of the following story by KPHO Channel 5. According to the story, a billion dollar company wants money from the settlement a paralyzed child received in a car accident.
The child, Shaun Doss, was in an accident- he was 3 at the time- when his seat belt broke on impact and he suffered a head and spine injury, which left him paralyzed from the chest down. Shaun's father, Robert Doss, was working for Service Corporation International at the time and paying his health insurance premiums diligently. The insurance company covered his son's medical expenses, and Mr. Doss was able to settle the case and received a confidential settlement on behalf of his son.
Now Service Corporation International, a $3 billion company, wants Shaun Doss to pay them back for the medical coverage they provided as health insurance. According to the Doss' attorney, the money Service Corporation International is seeking would "all but wipe out" Shaun's settlement. Keep in mind this is not someone who did not have health insurance and received treatment at taxpayer expense. This is someone who had a health insurance and was paying his premiums on time.
That point led Mr. Doss to ask "What is the point of having insurance? I would never have had insurance if I knew they were going to take it back".
The worst part of this story is that just when things were getting better for the now 7 year old child and his family, they received the notice in the mail from SCI's insurance company. It said the company intended to recoup the money it paid for Shaun's hospital stay. While SCI claims it is entitled to reimbursement under ERISA law, let's all hope SCI changes its mind and Shaun can enjoy at least a part of his childhood.