If you have been in a car accident and suffered significant injuries then you are likely wondering how you can get your medical costs paid. This is a tricky situation and not all cases will be the same. While you may file a personal injury lawsuit to recoup your costs, that doesn’t always help you the day your bills come due. Keep reading to learn about four options for paying your medical bills and then reach out to The Law Offices of Larry H. Parker at 800-333-0000 for a free legal consultation.
Your Own Health Insurance Policy
Med-Pay May Cover You
You May Have to Pay Expenses Out of Pocket
Your Health Care Provider May Agree to a Lien Agreement
Ideally you would have health insurance that was sufficient to cover your medical costs. If you do, then that is the first way to get your medical bills paid. Note that it does not matter who was at fault for the accident when it comes to your health insurance. However, after your personal injury lawsuit is settled, your health insurance provider may be due damages for the cost of your medical costs.
It may be that you take advantage of med-pay coverage on your auto insurance policy or the policy of the at-fault driver. This type of insurance pays all medical costs upfront though it too may be reimbursed if another party is successfully sued.
The least desirable option is for you to pay for your medical costs out of pocket. If someone else was at fault for your accident, why should you have to pay for the medical costs? Ideally you will recoup the total amount of your out of pocket medical costs. This can include just co-pays and deductibles if you have insurance, or you could be expected to pay for your entire care if you do not have health insurance.
If you are not able to pay the full bill and it gets sent to collections, we will likely recommend that you work out a payment plan to pay a small amount each month. In the meantime, we will be working diligently to get you a fair settlement.
If you do not have the money but you do have a compelling personal injury case, then your medical care provider may agree to wait until your lawsuit is settled to receive payment. At The Law Offices of Larry H. Parker we can work with you to help negotiate a lien with your medical provider.
Of course, this is all just what you must do to take care of the medical costs immediately after the accident. In the long-run, you should ensure that you get the full settlement you are entitled to. We may be able to negotiate with the at-fault party’s insurance party or we may need to take the case to trial. Either way, you can trust The Law Offices of Larry H. Parker to work diligently to get you the best possible outcome for your case. Contact us at 800-333-0000 now for a free legal consultation.