| Who Pays My Medical Bills? |
| The most often question I hear from clients at the beginning of their case is who pays my medical expenses while my case is pending. I often then hear that the client told the hospital just to bill the at-fault party directly. Unfortunately, the at-fault party will not, and even more importantly, is not required to pay your medical bills until you are ready to resolve the case once and for all. Therefore, in order to pursue your claim you need to seek and have your treatment paid for by you until your case is resolved.
That being the case, what are you supposed to do? Whatever you do, you need to get the proper treatment immediately and there are several ways you can do it:
1. If you have health insurance, have it pay for your medical costs. You will likely have to reimburse the insurance company for a portion of the benefits it provides on your behalf out of your settlement or verdict but that is much better than going without needed treatment. In this scenario, your health insurance will not pay the full cost of the treatment as it will have a contract with the provider reducing the cost of the treatment. For instance, a procedure that costs $1,000.00 will likely only cost the health insurance company $300.00. It is much better to have to reimburse the health insurance company $300 at the end of your case then pay $1,000.00 directly out of your pocket to the treatment needed. The good news is we have been very successful negotiating reimbursement of medical benefits with clients' health insurance company so little to nothing is needed out of your settlement or verdict to reimburse them.
2.If you do not have health insurance, the next best option is to find a doctor who will treat you on a lien or we can get you in touch with several companies we work with that will cover your expenses on a lien (they will pay the doctor and wait to be paid by you out of the settlement or verdict). Again, the benefit here is you get the treatment you need now without having to pay anything out of pocket but the difference from health insurance is that you will owe the full amount of the treatment out of your settlement or verdict.
3.If you were injured in an auto accident, you likely have some level of medical payment coverage. This covers you for medical expenses up to the maximum policy limit. The problem here is that most folks only have $1,000.00 of med pay coverage. The lucky few have $10,000.00 or even $25,000.00, but even if you are likely enough to have a lot of med pay coverage it often will not cover all of your medical costs, so you are left trying number 1 or 2, above, or seeking other sources to help you with your bills.
Our Atlanta personal injury lawyers will work with you from the beginning of our representation of you to get you set up with the most appropriate medical provider for your injuries and under one or more of the above options so your medical bills are covered while you worry about getting better. |
Posted By Ted Spaulding on July 22, 2010 04:29 pm | Permalink  |