Medical bills stemming from injuries incurred in a car accident can be paid in a variety of ways. Insurance companies settle cases in one lump sum and only after obtaining and reviewing the related medical file. In the meantime, your medical bills might start piling up and you might start getting calls from collection agencies. Our attorneys typically recommend the following with regard to medical bills prior to settlement/verdict:
-Group Health Insurance
If you have health insurance, Medicaid, or Medicare you should bill all of your medical treatment through your health insurance policy. Your health insurance company is entitled to be reimbursed for these payments out of any settlement or verdict obtained on your behalf, but insurance companies often pay for medical treatment at a discounted rate. At the very least, if you bill through your group insurance you know your bills are taken care of and you won't have to deal with bill collectors.
-Medical Payment Provision of your Automobile Insurance
Call your insurance company to see if you have a medical payment policy. Many policies will include $5,000, $10,000 or more in medical coverage for accident-related injuries. Your insurance company is entitled to be reimbursed for these payments out of any settlement or verdict obtained on your behalf, but at least you can get a large amount of your bills paid up front. This option is particularly good if you have no other group health insurance to pay your bills.
-Health Care Liens
If the first two options are unavailable or exhausted, many providers will agree to place a lien on your personal injury file if you are represented by an attorney. If the physician agrees to place a lien on your file you will be able to receive medical treatment from that provider without having to pay for the charges as they are incurred. Instead, the provider's lien entitles them to be paid out of any settlement or verdict amount obtained on your behalf. In the event that you don't recover for your injuries, you will be responsible for paying the balance owed to the physician.