So there's a lot of people in this country with traumatic brain injuries.

Even though it's a silent epidemic, it's a very real silent epidemic.

Hey, it's Dr. Phil. Welcome to Phil in the Blanks. I'm going to spend the day

alerting you to a serious problem in our country and an equally serious solution actually.

I like to talk about problems and solutions. Every year a half a million Americans

file for bankruptcy due to medical bills. In fact, if you look at why young people,

really all people get in trouble on credit cards and things of that nature,

it's not because they're just reckless spenders. It's because some unexpected medical crisis arises.

When 500,000 Americans file for bankruptcy every year due to medical bills,

it's because we just don't understand the scope of how steep that polybills can get.

Every minute of every day, somebody in America is in an auto accident and many of those involve

spine and brain injuries. Now, when that happens, you move into a whole different category of

expense. You break an arm or a leg, not saying that's nothing, but the expenses are usually

pretty finite and manageable. But when you get into a brain or spinal cord injury, you can be

looking at a life plan. It can go on for 30 years, 40 years, and be millions and millions of dollars.

In the problem is the most affordable insurance policies, including Medicare and Medicaid,

don't cover the overwhelming expenses that accompany traumatic brain and spinal injuries.

It leaves a lot of people disruant, not only quality of life-wise, but financially.

So my guest today is a kindred spirit. He is a president of the Neurotrama Association,

and he has an answer that I want all of you to get behind so we can deal with this national

issue successfully. Now, those of you that follow me know that when I was in practice,

I put a lot of emphasis on brain and central nervous system functioning and trauma.

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