The AI Legalese Decoder: Solving Legal Confusion for Germans Dealing with US Medical and Travel Insurance Woes
- November 27, 2023
- Posted by: legaleseblogger
- Category: Related News
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AI Legalese Decoder is a tool that can help analyze legal documents and translate complex legal jargon into simple, understandable language. In the case of the 23F from Germany who visited the US and ended up with a massive medical bill, the AI Legalese Decoder can assist in decoding the terms and conditions of the travel insurance policy. By inputting the policy into the AI Legalese Decoder, it can accurately interpret the clauses related to medical expenses from drug or alcohol use, and provide a clear explanation of the coverage.
Doubling the original content, the 23-year-old woman from Germany traveled to the US and experienced a medical emergency during her visit. She had to seek treatment at the emergency room due to fainting and a possible seizure, but she is still unsure of the exact cause of her condition. Despite disclosing that she had consumed a weed gummy earlier, she believed it was unrelated to her medical issue, especially since marijuana is legal in the US. However, the ER report highlighted her “drug use,” causing her travel insurance to deny coverage for the medical expenses.
Now facing a staggering 50,000 USD bill for just a 4-hour ER visit, the young woman is overwhelmed and uncertain about her options. As a non-US citizen residing in Germany, she is seeking guidance on how to address this significant financial burden.
The AI Legalese Decoder can be instrumental in deciphering the intricate language of the travel insurance policy to clarify the specific terms pertaining to drug-related medical expenses. By utilizing the AI Legalese Decoder, the woman can gain a better understanding of her coverage and potential options for recourse. The tool’s capability to simplify legal terminology can empower her to make informed decisions and explore possible avenues for resolving the daunting medical bills.
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****** just grabbed a
You should dispute the charges and request an itimized bill, The US is known for its excessive bills that can be reduced to several hundreds. Check with r/HospitalBills or any other US Medical related sub.
Regarding the medical debt in the US, you should post this in /r/legaladvice, there’s usually a lot of good information there on how to whittle this down.
But I think there is or could be a case against your travel insurance depending on the exact wording of your insurance terms of service and if people can expect to not be covered by reasonable use of drugs. I would post this in /r/LegaladviceGerman too. And maybe go see a german lawyer who’s specialized in Konsumentenschutz.
Say there was a language barrier and u ate a wheat gummy, not a weed gummy.
If you can prove that your medical condition was unrelated to the weed gummy, your insurance should be required to cover it. The first step would be to file a dispute internally with the insurance company, and if that doesn’t work file a dispute with whoever regulates that insurance company. Your insurance company might be the one who has to prove that it was from drug use.
Drug use on your medical files is something that could follow you. I’d dispute it, maybe talk to a lawyer about a no-win no-fee lawsuit. Or at least air the possibility to the hospital.
Edit: I’m not going to delete my comment but I will say don’t listen to me, international debt collection is real. An alternative is fighting the charges by calling the hospital, getting an itemized bill & tell them **NO**.
Am American.
Don’t pay it.
I can imagine the only thing they maybe maybe maybe could do would be put it on your credit report as delinquent but LOL YOU’RE GERMAN. JUST DON’T PAY IT. 😀
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Check whether your medical insurance covers it instead, or at least partially.
Your question includes a reference to Germany, which has its own legal advice subreddit. You may wish to consider posting your question to /r/LegalAdviceGerman as well, though this may not be required.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/LegalAdviceEurope) if you have any questions or concerns.*
50k for 4 hours??
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Your travel insurer may have an appeal process. Read the policy to see how the “drug use” exclusion is defined. If it says “illegal drug use” tell them you took a legal gummy.
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>I’m stuck with almost 50,000 USD in medical bills for just a 4 hour stay in the ER,
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This is absurd but not surprising. If you had medical insurance in the USA, the insurer would tell the hospital “We’ll pay you $7,000” or something like that, and the hospital would say “Great”
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If you call the hospital and say “I’m German, I was a tourist, I have no plans to visit the USA again, I can only pay you $5,000” the hospital might say “OK”
If you are just travelling and you are going back to Germany, can’t you just forget about it? How would they go after you in another country? Unlikely they would sue or anything since it is super expensive and bureaucratic to go after someone legally across borders and overseas. I mean, this could be a plan C if your plan A and B fails (asking for a reduction, suing them, etc).
Any idea what happens if you go back to Germany and don’t pay the bills? I think you can get away with it
50,000 USD for 4 hours in the E.R! What the fuck ?
IÔÇÖm late to this thread but hospitals have programs for patients that arenÔÇÖt insured and donÔÇÖt have a way to pay their bill. Contact the hospital billing department and ask them about patient assistance for your bill. Billing for patients without insurance is a lot cheaper less than it is for for patients with insurance. They may even pay the whole bill for you if you qualify.
Wow.
Wow, and I was bitter I got a couple thousand in credit card fraud that my bank is refusing to cover. I canÔÇÖt imagine getting slapped with 50K. Without any research whatsoever, if I were in that position, I would not pay and never return to the US again. Debts are not criminal offenses, so they donÔÇÖt usually follow you. That is not to say never, they can definitely still send international collectors after you. My mom took out a huge loan in Canada before she passed away. She passed when I was 15 so I was not even aware as a kid that by not giving up inheritance, I inherited the debt too. I didnÔÇÖt inherit any wealth, just the debt. By the time I found out, it was when I moved back to Canada from Spain and 10 years later so the interests were as high as the original loan. If I had never gone back, I donÔÇÖt think I wouldÔÇÖve been chased for the loan or they wouldÔÇÖve done it ages ago.
Da
Next time, just dont use drugs