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Now the bad news: Last week’s intricate procedure at the publicly funded hospital, combined with more than two months of around-the-clock nursing care and painstaking rehabilitation work by a team of physical therapists, has driven the medical expenses of the financially strapped Gorres to nearly $600,000. It’s a bill that Southern Nevada taxpayers must largely pick up, because state law requires promoters to put up only $50,000 worth of medical insurance for each fighter in the ring.
The consequences of the Filipino boxer’s brain injury have prompted elected officials and the Nevada Athletic Commission to work toward crafting a solution that keeps taxpayers off the hook for the medical care of professional boxers.

But Las Vegas is home to lots of different events, and some are very risky. Could Clark County taxpayers end up footing the bill when other athletes or entertainers are hurt when performing here?

“We probably have more big events than any other city in the country,” said Dr. Dale Carrison, head of the emergency department at UMC and its chief of staff. “As everyone knows, Las Vegas is a magnet for that sort of thing. And if someone does get badly hurt, UMC’s trauma center generally takes care of them.”

NASCAR, National Finals Rodeo, Cirque du Soleil, daredevil stunts by the likes of the late Evel Knievel, the Las Vegas Rock ‘n’ Roll Marathon, National Hot Rod Association drag racing, championship boxing and mixed martial arts — these are just some of the major events held in Las Vegas.

A survey of medical insurance coverage held by individuals who engage in events or performances where there is risk of injury — the kind of events that thrill both live and TV audiences — has found that coverage can range from nothing to 100 percent.

Bill Rundle, a longtime promoter of Knievel, said last week that the motorcycle daredevil “who broke every bone in his body” generally couldn’t get medical insurance for his stunts because “they were too dangerous.”

“No one would write him a policy for something where there was a good chance he wouldn’t make it. It’s that way with most people who do those kind of things.”

Rundle also has promoted some stunts performed by Knievel’s son, Robbie, “and getting insurance was always a problem for him, too.”

Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, a trade association for 1,300 companies, said it would not be uncommon for an insurance company to refuse to cover a daredevil, or to offer medical coverage at such a high premium that it would be difficult to afford.

Attempts to reach contemporary daredevil Robbie Maddison, whose successful motorcycle jump at the Arc de Triomphe at Paris Las Vegas wowed crowds on New Year’s Eve 2009, were unsuccessful. Maddison has suffered a number of serious injuries in stunts around the world.

Both Rundle and Zirkelbach said community leaders should be aware of the possible financial consequences should a daredevil be injured during a stunt in their community.

It was a 1967 stunt at Caesars Palace, Rundle said, that helped cement Evel Knievel’s reputation as a performer who would risk his life to entertain an audience. When Knievel attempted to clear the casino’s fountains on his bike, he took a nosedive that landed him in Southern Nevada Memorial Hospital — later named UMC — for several weeks with multiple pelvic fractures.

“That was early in his career, and he didn’t have money to pay his medical bill,” said Rundle, who talked on the phone from the Mayo Clinic in Arizona where he is being treated for cancer. “I think there were a lot of medical bills he walked away from until he was making good money. Then he had enough to pay them out of his pocket.”

In 1974, the city manager in Carson City said police would arrest Knievel if he reappeared in the state because he didn’t pay a hospital bill there that he incurred in 1968. Knievel ended up in a Reno hospital for 22 days after he unsuccessfully attempted to jump 16 automobiles on his motorcycle.

A collection agency representing Southern Nevada Memorial finally caught up with Knievel in the 1970s, the decade when he netted more than $6 million for his failed Snake River Canyon jump.

The Review-Journal reported that Knievel had “rolled up” a bill of $2,249.51 for his 1967 hospital stay in Las Vegas.

“The cost of medicine has gone up over the years,” UMC’s Carrison said.

EVOLUTION OF INSURANCE

Although daredevils have a difficult time getting insurance, NASCAR drivers don’t.

Jim Hunter, spokesman for the stock car motor racing giant that has a race scheduled in Las Vegas next month, said each driver and crew member now has a medical insurance policy of slightly more than $1 million.

“Even that may not be enough if something really terrible happens,” Hunter said in a phone call Thursday from Daytona Beach, Fla.

In 60 years, Hunter said, medical coverage has grown from $2,000 to its present $1,000,050.

“As the sport grew, there was more at stake,” said the 70-year-old Hunter, who is currently undergoing treatment for lung cancer. “At first, guys were racing as a hobby. They weren’t making a living out of it.”

Hunter said the 2001 death of driver Dale Earnhardt at the Daytona Speedway energized safety efforts by NASCAR, including collision absorbing walls and new head and neck restraints for drivers.

“But no matter what we do, accidents can and will happen and our medical insurance reflects that,” he said.

Like NASCAR, medical insurance for participants in the National Finals Rodeo has dramatically increased over the years.

Jerry Ford, who has written coverage for the Professional Rodeo Cowboys Association for decades, notes that the present coverage of $250,000 is a huge jump from “where we started years ago.”

“When we first started in the ’70s, the maximum limit was $3,000,” Ford said. “It wasn’t until the late ’90s that we got limits above $20,000.”

Since that time, he said, there have been only 10 or 12 performers who “maxxed out” their medical coverage.

One rodeo performer who Ford is certain did that in Las Vegas was bull rider Tuff Hedeman in 1995. Participating in the Professional Bull Riders World Championship finals, Hedeman was bucked off by the bull Bodacious and suffered severe facial injuries.

“I was the first doctor there,” Carrison said. “It was awful. He ended up needing 11 plates in his face.”

Hedeman stayed only a few days in the hospital after his plastic surgery.

“There was never any question about his paying the bill,” Carrison said. “I’m sure I would have heard about it.”

Both Carrison and Ford said rodeo participants hold fundraising rodeos to pay off such bills.

Don Andrews, who was part of the Justin Sports Medical team at rodeos for years, said, “PRCA cowboys don’t walk away from bills. They get together and pay them off.”

Ford said he would not be surprised if bull riders suffer catastrophic brain injuries similar to a boxer’s. “Unfortunately, head injuries happen frequently.”

The most tragic bull riding incident in Las Vegas occurred in December 1994 when rider Brent Thurman was bucked off a bull. The huge animal, Red Wolf, stepped on the back of his neck.

Thurman suffered facial and cranial fractures and massive internal bleeding. He was treated at UMC. Like Gorres, the boxer at the hospital now, Thurman’s brain swelled. After spending six days in a coma, the 25-year-old Thurman died.

PAYING THE PRICE

Many boxers have seen their careers end in Las Vegas.

From 1995 to 2005, 10 fighters sustained career-ending brain injuries in Nevada, with two boxers, Leavander Johnson and Martin Sanchez Jr. both dying from subdural hematomas, the same brain injury Gorres sustained.

Because of federal privacy laws, UMC officials are unable to release the medical records of fighters, athletes or entertainers to whom they gave care. Gorres’ wife gave UMC permission to release her husband’s medical information to the Review-Journal. He was released from the hospital last week and is staying with friends in Las Vegas while undergoing rehabilitation.

Despite the lack of such information, UMC officials said Gorres’ case is an indication that UMC has not been reimbursed for care that could reach into the millions of dollars.

While thousand of people each year are mesmerized by the beauty and grace of the Cirque du Soleil shows in Las Vegas, there’s no doubt the acrobatic performers engage in risky maneuvers.

Audience members watched in horror in 2007 when two performers fell from as high as 35 feet during a “Zumanity” show at New York-New York. Both hit the stage; one performer was left in critical condition. Both were treated at UMC.

But the cost for medical care for Cirque performers, according to show spokeswoman Ceres Hill, is fully covered by the organization’s insurance plan.

The thousands of participants in the Las Vegas Rock ‘n’ Roll Marathon basically fend for themselves when it comes to health insurance, spokeswoman Lee Haney said.

Last year, Eric Reitman, a Las Vegas resident who collapsed near the end of the half marathon, died.

Less serious health problems are common, Haney said.

“Whenever you have more than 20,000 people involved in an event, you’re going to have some injury,” she said.

Marathon participants often buy a personal insurance policy through USA Track & Field, Haney said. Though repeated phone calls to the organization were not returned, its Web site said individuals can purchase a policy that has a maximum accidental bodily injury payout of $10,000.

Just how much, if any, medical coverage is carried by drag racers competing in the National Hot Rod Association events seen frequently at the Las Vegas Motor Speedway is unknown.

“That’s not something we want to divulge,” association spokesman Anthony Vestal said.

Community leaders should make sure they know how much medical insurance coverage is carried by performers in risky events, Carrison said.

Not taking action when coverage seems insufficient can be costly, he said.

“We’re seeing that right now with what happened to that poor boxer.”

These days it’s a bad idea to be without health care coverage.  Unfortunately, illnesses and injuries can occur when you least expect it.  Costs tend to add up quite fast and acquiring health coverage is not cheap by any standards.

Unpredictable injuries and accidents can clean out people’s financial savings if there is no health coverage present.  It’s vital to acquire economical health coverage since medical assistance is overpriced.

There are various firms that provide medical care coverage.  These companies have numerous packages available to match people with the right insurance policy.

It can be complicated to find the right health policy.  You will have to make sure you get the best coverage for an amount that you are comfortable paying.  It is thus a good idea to get insurance quotes online to find the best options available.

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When you use a service to get Free Medical Health Insurance, you simply need to type in details such as your age and gender into a form.  Quotes from various providers will be gathered and you will be able to review the policy figures and all prices from the different health insurance providers.  You can pick out those insurance plans that give you exactly what you need and that are within your financial reach.

Save yourself time and frustration by using free online health quote services.  If done separately, it would take several hours to get a quote from each insurance provider.  Fortunately, you can utilize free websites to acquire quotes from the providers in no time at all.

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It’s not very bright to go without having health insurance coverage.  Illness can strike at any time and you never know when you may get injured.  Health care isn’t cheap to get and expenses can add up really fast.

With no health insurance, injuries or ailments could leave you cleaned out financially.  Because medical aid is overpriced, it’s crucial for a lot of people to find affordable health insurance.

You are able to obtain medical insurance from several different firms.  These companies have numerous packages available to match people with the right insurance policy.

Finding the correct insurance policy can be complicated.  You have to make certain that you get supreme coverage for a quote that you can cover financially without any problem.  As a result, it’s a great plan to compare health insurance quotes online to figure out who will give you the most coverage for the least amount of money.

Get an instant quote right now!

When using a website to get Best Medical Health Insurance, you simply need to fill out basic information on a form.  Each provider will give you a quote for their policy and you will be able to compare the different quotes from all the providers.  Then you can sort out the insurance policies that meet your needs and that are financially sound.

A great benefit of using health quote websites is that you save quite a lot of time.  To get a quote from each insurance provider separately would take many hours to accomplish.  It’s a good thing there are free services you can use to get health quotes from insurance companies almost instantaneously.

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It’s a bad idea not to have health insurance coverage.  Unfortunately, illnesses and injuries can occur when you least expect it.  Costs tend to add up quite fast and acquiring health coverage is not cheap by any standards.

In reality, when there is no health coverage a sudden injury or ailment could clean you out in financial terms.  Health care is expensive and that’s why many people try to find inexpensive health care coverage.

You can choose from different firms that provide medical care insurance.  Several different insurance packages are available for people to choose so they get the best insurance policy for their current lifestyle.

It can take a lot of time to come across the proper insurance plan.  You must make certain that you get the finest coverage you can for a cost that you can cover financially without any major trouble.  Therefore, you’re encouraged to compare health insurance rates online to find the best deals available to you.

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When you utilize a website to acquire Buy Medical Health Insurance, all you have to do is complete a form that asks basic information such as your gender and age.  Rates from multiple providers will be collected for you so you can review the policy figures and prices from all the insurance providers.  You can then choose the insurance policies that meet your needs and that you can pay comfortably.

You save a lot of time and energy when you make use of online health quote sites.  It would take several hours to collect insurance quotes from each provider if done separately.  Happily, free services are in place to facilitate collecting health quotes from the numerous insurance companies in a matter of minutes.

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It’s not very bright to not have health care coverage these days.  Injuries are unpredictable and illnesses can strike at any time.  Expenses tend to add up rather quickly and acquiring health insurance is not cheap by any means.

In reality, if an accident or ailment comes up and you have no insurance you could be cleaned out financially.  Medical assistance can cost an arm and a leg and that’s why it’s so imperative for Americans to find affordable health insurance.

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To get Individual Major Medical Health Insurance, you will need to fill out a basic questionnaire when using a health quote site.  You will review the different quotes from all the providers by seeing their policy figures.  You can sort out the insurance policies that provide what you need and that you are comfortable paying.

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With the current costs of medical care, it is readily understood why medical health insurance is badly needed. These medical health insurances pay much of the total hospital bills, while the person insured pays only a little. Such a transaction is very beneficial. If we have incurred medical health insurance then we need not worry about any emergencies that may come at any time.

There are different types of medical health insurance available. Medicare and Medicaid are the most common. Though the two may sound similar they are actually quite different. Medicare is issued to senior citizens and the Medicaid program is offered to people with lower incomes. Both are sponsored by the government. There are also other insurances such as the Point of Service Health Insurance, the Preferred Provider Organization, and the Health Maintenance Organization, which offers similar services but differ in some points.

Though everything is practical, still we have to consider if it is practicable. Nowadays, the means of living is very tough. Inflation is getting growing. As the recent survey shows, the total health expenditures last 2007 were expected to rise to 6.9 percent, which is twice the inflation rate. This means that the total cost of health care is rising gradually.

To this point, a person may have to consider his financial status before engaging in such transactions.  A person has to be very careful and wise in making a decision about which medical health insurance will fit him best. If he has other bills to be paid off each month, consider which is more valuable, which is more important, and which is more efficient and conducive.

People say that the best things in life are free, but nowadays, nothing is given free of charge. Although, these medical health insurances helps you in various ways, still be reminded that they require money. As to what old folks may say, “no money, no honey.” Money really makes the world go round. If you do not have a stable job in which you can get enough to pay your bills every month, it would not be practicable to get any health insurance.

Practicality in life may seem easy, but practicability may not. Still it would be better to just take good care of yourself and live a life that is satisfying, free of extra bills. 

However, there is good news. Scientists have discovered a drug which cuts death from a common heart problem by almost a third. Atrial fibrillation is a disorder of the heart rhythm but ‘Multaq’ has been shown to reduce the incidents of this claiming lives by up to thirty per cent.

This medical condition affects 700,000 Britons but the recent advancement in its treatment is the first in twenty years. The fast and erratic heartbeat of patients needs stabilising to avoid angina and heart failure. It is the upper chambers of the heart that are out of rhythm and causes the heart to beat up to twice its normal speed.

Another complication of this condition is the fact that it causes tiny blood clots to form and these can lead to strokes, another topper on the medical insurance claims. At best, previous treatments involved the use of digoxin which successfully slows the heart beat but cannot regulate it and death rates remained the same. Drugs to thin the blood followed by minor electric shocks to restore normal rhythm are also used.

This drug is considered a huge breakthrough because it is having positive effects on all those that are trialling it, without side effects. More than 4,500 patients from 33 countries have trialled the effectiveness of Multaq over a year and this is when it was discovered that cardiovascular deaths were greatly reduced among the group. Quality of life is greatly improved for all those taking the drug and life time expectancy is greatly increased. It is hoped there will be a license for using this drug as early as next year.

If this is something of a warning to those who are concerned about their heart health, or for those who would like to keep the cost of their medical insurance premiums down, there is even more good news as to how we can look after ourselves. Drink red wine.

A chemical found in the skin of red grapes contains resveratrol, an anti-aging compound. This has been captured and put into pill form and has received the backing of the UK’s largest pharmaceutical company GlaxoSmithKline. In fact, GSK bought out the company that made the drug for £361 million.

The drug was tried in lengthy tests on mice and it was found that they lived longer, were almost immune to the effects of obesity and rarely get diabetes, cancer or Alzheimer’s. It was also found that if the rodents were subject to starvation diets they could even extend their life by up to thirty per cent. It is believed this is because starving the body activates a gene known as sirtuin, a survival gene.

These discoveries are hoped to bring about more treatment for diseases such as cancer and Alzheimers. The same scientists have also found that flavanoids in blueberries and other fresh fruit interact with nerve cells and stimulates the re-growth of brain cells.

So, it would seem that while scientists are doing their best to find the elixir of life, it will always pay to look after our bodies to enable them to continue working as long as possible. And if this includes eating tasty food with the occasional glass of red wine then who am I to argue?

Its All About Profits My Friend

Its actually quite simple. The terms and particulars in medical insurance contracts and agreements were all written by medical professionals and lawyers. The idea of the insurance business is to receive money, not pay it out. Its just business.

Your No Fool!

So when medical insurance carriers are crafting their contracts they are doing so with an eye toward generating profits and profits aren’t boosted by paying out on huge medical bills. OK. So you are going to read the contract carefully to make sure that they don’t bamboozle you like they do everyone else.

Amputate What?! – But I Need that to Go to the Bathroom!!

What the heck do you know about medical conditions treatments and technology?!!! It’s tough enough trying to decipher the double-speak in a car finance contract, let alone a contract that covers medical treatments!

Hey! Whats that Word Mean?

This is what is at the core of most peoples issues that the have with their medical insurance carriers when there is a dispute. The contract may have as well been written in Chinese and it wouldn’t have made any difference.

Now Your Getting Smarter

However the Internet is offering some assistance in the way of online medical insurance information websites. These websites are able to explain the particulars of medical insurance contracts in layman’s terms, which is what is really needed to fully understand them. Once you are able to better navigate a medical insurance contract your odds of getting screwed can be greatly diminished.

Breast cancer is one of the few cancers that can be linked to genes and one of the biggest illnesses responsible for women making medical insurance claims. However, in medical advances, scientists have identified the key gene responsible for the spread of this devastating disease to other parts of the body.

Apparently, the gene SATB1 controls how more than 1,000 other genes behave within tumour cells and when it is over-activated, this is when the path for cancer is smoothed into other parts of the body. Interfering with this gene through the use of specific drugs would halt the march of cancer through the body, helping over 44,000 women in the UK every year.

Further news from the world of medicine includes news that experiments are being carried out that will cause tiny pieces of skin to grow into the chameleon-like ones in embryonic stem cells. They could then be deliberately formed into heart cells and transplanted onto heart attack victims. This is hoped to prolong the life of tens of thousands of victims every year and improve the quality of their life.

These repair kits could also be used to test drugs on and would also reduce the risk of side effects on treated patients. The patient’s own cells could be used omitting the risk of rejection or a bank of cells could be set up and on standby. Unfortunately, due to lack of testing to date, it is thought that this treatment is still at least a decade away.

When it comes to organ failure claims on the books of medical insurance companies, this is also quite high. But once again, there is good news emerging for sufferers. As with a lot of illnesses and diseases, early detection is the key and doctors are being made more aware of the signs and symptoms to look out for to cope with these problems before they become out of hand.

Kidney failure is often blamed on other things and goes for a long time undetected. But now it has emerged that long term tiredness and being overweight are simple symptoms that should make a doctor sit up and take notice. Tiredness and being overweight are very general symptoms that are frequently put down to lifestyle or the ageing process but it is advisable to get a second opinion if you are not happy.

Always better to kick up a fuss with your doctor than get to a point when claiming on medical insurance is a necessity.

In a record operation, doctors have recently carried out six kidney transplants simultaneously. It took nine medical teams a total of ten hours to perform the transplants on six patients. Friends and relatives of the sick people had come forward and offered themselves as donors but when it was found they did not match their relative, but another of the group, a mass operation was set up.

The operations were done at the same time to avoid anyone backing out once their loved one had received their new organ and so far, all is well. Some of these patients have lived for years on the organ donor waiting list and, unable to work, have survived on medical insurance payouts.