If you have been injured in a car accident, receiving medical treatment is a priority. However, one of the biggest concerns for car accident victims is paying medical bills.
Making sure the medical bills are paid can be a long and complex process and it can distract you from focusing on your health and recovery. The good news is that there are several options available.
Medical Payments Coverage
Most car insurance policies provide Medical Payments Coverage. This coverage is the primary source for paying medical bills following a car accident. The coverage amount typically ranges from $1,000 to $10,000.
If you have MedPay in your car insurance policy, it can cover a portion of your medical bills and other expenses such as ambulance charges, dental care, chiropractic care or other expenses specified in your health insurance plan.
If you do not have medical payments coverage, your health insurance can cover your medical bills. However, before the health insurance pays for your expenses, they require a letter from your car insurance carrier stating that you do not have medical payment coverage or that the coverage has been exhausted. Most health insurance companies expect subrogation, which means that when you receive a personal injury settlement, you need to refund the money that was used to pay for your hospital bills. Subrogation can be a complex process, it is best if it is handled by a personal injury lawyer.
Medicare or Medicaid
Medicare or Medicaid are federal programs that provide medical coverage for certain individuals, such as people with disabilities, people who are 65 years or older, people with End-Stage Renal Disease, low-income families, etc. If you are on either of these federal programs, your medical treatment bills maybe covered. Similar to private health insurance, Medicare or Medicaid will eventually acclaim a reimbursement when you receive a personal injury settlement.
Worker’s compensation insurance will cover your medical bills if you were injured in a work-related car accident. In a work-related car accident, you are not required to pay any money for your medical bills or deductibles. In most states, a worker’s compensation insurer will reimburse you for transportation expenses of your medical appointments. It includes mileage, tolls, and parking.
If you do not have any insurance coverage, your attorneys can ask the hospital to treat you on a medical lien. You will be required to sign a lien letter, stating that your outstanding medical bills will be paid out of your settlement. However, if you have health insurance, there is virtually no reason for obtaining a medical lien. Receiving treatment on a medical lien increases the amount you need to pay to resolve your medical bills and decrease your settlement amount.
The At-Fault Driver’s Insurance
As a general rule, the defendant is not obligated to pay the medical bills until the case is resolved. However, the responsibility for paying the medical bills ultimately rests with the at-fault driver or more specifically, their insurance company. This usually happens only after you have completed your treatment and have totaled all your medical bills and other expenses.
Contact The Reinken Law Firm
At The Reinken Law Firm, one of the services we provide as a car accident attorney is to make sure our client’s medical bills are billed to the appropriate source. Put your case in the hands of an experienced car accident lawyer. We offer personalized attention and a free consultation to discuss your car accident case. You owe no fees unless we recover through verdict or settlement. The lawyers at The Reinken Law Firm are confident about taking your case to court and recovering compensation. To know more, you can call us at 203-418-7037/203-489-2825.