Insurance (in general) is designed to protect you and "put you back in relatively the same place you were BEFORE an event happened) for UNSEEN incidents.
Since the arm is already broken, the event has already taken place.....so, you CANNOT purchase insurance that would cover the broken arm.
Put another way....would you want to insure your house if the kitchen was on fire? Of course not. What if a tornado was coming and on the ground....would you want to insure the mobilehome?
You can buy insurance now to protect his OTHER arm, but, I'm afraid this one is on you.
Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Short answer? no.
But because we need 50 words to answer questions, this should be used to discuss what happens if this does occur and it does all over the country every day.
A hospital will treat a broken arm, but it will also "bill" for a broken arm so it becomes a matter if the person can afford to pay the cost of the service. While we read about hospitals "writing off" care every day, understand that if you have the ability to pay, you will, or you will be subject to any other item you fail to pay on. This means collections and garnishment of wages is a real possibility.
If you are in this situation, talk to the hospital billing department and see what they will work with you on. Many will set up billing plans and work with you, but you never know. Insurance takes care of the unknown, that is the whole idea behind it. While rolling the dice and going without may seem profitable, it just takes one situation to wipe out any savings and possibly take everything.
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Insurance (in general) is designed to protect you and "put you back in relatively the same place you were BEFORE an event happened) for UNSEEN incidents.
Since the arm is already broken, the event has already taken place.....so, you CANNOT purchase insurance that would cover the broken arm.
Put another way....would you want to insure your house if the kitchen was on fire? Of course not. What if a tornado was coming and on the ground....would you want to insure the mobilehome?
You can buy insurance now to protect his OTHER arm, but, I'm afraid this one is on you.
But because we need 50 words to answer questions, this should be used to discuss what happens if this does occur and it does all over the country every day.
A hospital will treat a broken arm, but it will also "bill" for a broken arm so it becomes a matter if the person can afford to pay the cost of the service. While we read about hospitals "writing off" care every day, understand that if you have the ability to pay, you will, or you will be subject to any other item you fail to pay on. This means collections and garnishment of wages is a real possibility.
If you are in this situation, talk to the hospital billing department and see what they will work with you on. Many will set up billing plans and work with you, but you never know. Insurance takes care of the unknown, that is the whole idea behind it. While rolling the dice and going without may seem profitable, it just takes one situation to wipe out any savings and possibly take everything.