Which insurance applies to your traumatic brain injury depends on what caused the harm. TBI can be caused by falls, assaults, sport injuries, or auto accidents. In the first three cases, you will have to use your standard health insurance to cover your injuries. You will still have to face deductibles, copays, and co-insurance. Even then your lifetime health insurance benefits have caps. Once you hit those, you won’t see any more money.
If your TBI was caused by an auto accident, Michigan law makes sure your medical expenses will be covered for life. You can also be compensated for up to three years of lost wages and attendant care costs.