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What happened to Josh Adams?

McPeachy said:
I am confused by this a little.

Did Josh not have Healthcare Insurance? If not, isn't that against the law, punishable by fines at tax return time? Did he have a $30,000 deductible - and is that even an option?
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I'm sure the $30k goal also had in mind added costs apart from the medical expenses. Josh signed a contract, but isn't making money yet. Based on his parents jobs, they may not have the PTO benefits and will be losing some income as they take care of him.

McPeachy said:
By the way - I donated.
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Good to hear :) :clap: and that's all that matters in the end. I wish I could've given more.
 
Health insurance is the worst. The whole health care system is totally broken and I have no idea how to fix it.
 
McPeachy said:
Did Josh not have Healthcare Insurance? If not, isn't that against the law, punishable by fines at tax return time? Did he have a $30,000 deductible - and is that even an option?
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Obama care is a mess. But here is a provision from it:

The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until the adult child reaches the age of 26. Many parents and their children who worried about losing health coverage after they graduated from college no longer have to worry
 
laxwyo said:
He would of been on his parents until he graduated. I doubt he bought Insurance on his own afterwards. There's no insurance police that fine you so he'd just have to deal with the months he wasn't covered when he filed. Raising 30k tells me he had no insurance. Don't most plans have a maximum out of pocket for the year?
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Yes, most plans have an annual out-of-pocket maximum (varies depending on your plan). And some have a lifetime out-of-pocket max (~$1 million).

Just depends if he had coverage, what it entails or if he was waiting until he got to Russia to pick it up as any policy he bought in the US wouldn't work overseas anyway.
 
laxwyo said:
He would of been on his parents until he graduated. I doubt he bought Insurance on his own afterwards. There's no insurance police that fine you so he'd just have to deal with the months he wasn't covered when he filed. Raising 30k tells me he had no insurance. Don't most plans have a maximum out of pocket for the year?


Sent from my iPhone using Tapatalk
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He would actually be on his parents insurance until the age of 26.
 
WestWYOPoke said:
laxwyo said:
He would of been on his parents until he graduated. I doubt he bought Insurance on his own afterwards. There's no insurance police that fine you so he'd just have to deal with the months he wasn't covered when he filed. Raising 30k tells me he had no insurance. Don't most plans have a maximum out of pocket for the year?
Click to expand...

Yes, most plans have an annual out-of-pocket maximum (varies depending on your plan). And some have a lifetime out-of-pocket max (~$1 million).

Just depends if he had coverage, what it entails or if he was waiting until he got to Russia to pick it up as any policy he bought in the US wouldn't work overseas anyway.
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Just to clarify, all insurance policies now carry a maximum out of pocket, and none carry a lifetime maximum anymore. There were some good things that the ACA did (although most of it was bad).
-Your friendly neighborhood insurance agent
 
WYO1016 said:
McPeachy said:
I am confused by this a little.

Did Josh not have Healthcare Insurance? If not, isn't that against the law, punishable by fines at tax return time? Did he have a $30,000 deductible - and is that even an option?

By the way - I donated.
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I had the same thoughts. I'm guessing he had a super high deductible plan with a co-pay. Basically the cheapest option you can get to stay legal.

As I put on twitter, this campaign shows all that is right with the world. He needed help, he had to take the hit to his ego and ask for it, and people have come through for him in a big way. I couldn't donate much, but I donated what I could, and it really makes me happy to see so many other people doing it as well. There is a lot to be proud and hopeful for when we can all come together for a cause!
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While I agree with you, especially about the way Americans come together in times of need, it is absolute bull shit that we can't supply affordable healthcare to everybody. I'm on Medicare, and I hear all kinds of bitching and moaning about it, but I will tell you this - most doctors take it, the premiums are affordable, my deductible and copays are affordable, my annual out of pocket is affordable, I don't have to get all my tests, x-rays, etc. preapproved or preauthorized, I've never had a procedure/surgery/hospital stay refused. It's a god damned shame that we can't give this kind of coverage to all Americans (including veterans) and end the days of people relying on charity to help pay their bills. :twocents:
 
For the record, Personal Injury Protection is part of all American Auto Insurance. So I'm guessing he had Auto Insurance dependent upon whom owned the car and had it insured. Nonetheless, bad break for our stud guard that brought it all, every game and practice to the Poke program. Glad he's recovering, and I'm sure thanking his lucky stars to survive what sounded to be a terrible accident. Godspeed, Josh.
 
Insurance doesn't always cover everything.

Based on the description on his gofundme page, an ambulance was involved. Those ain't cheap. Add in possible costs if he had to be airlifted somewhere and those bills add up quickly.
 
...at the very least, he's in for some major rehab before he see's the hardwood again at 100%. I suspect that is above and beyond what any insurance picks up.
 
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