When you are injured in a car accident, it may feel as though the losses and expenses just keep piling up, and perhaps none more so than the mountain of medical bills you receive from seeking treatment for your injuries. Clients often approach us, asking about whether or not the other party should be the one responsible for paying the medical expenses, especially when they were the one at fault. The answer is they should, and in the end they will be responsible, but the process can be a long one, and your medical bills must be paid immediately in the short term. Here are a few ways you can get them covered for now until your case is completed.
Your own personal health insurance coverage should be able to help you with a substantial portion of your injuries. Depending on your policy, however, this could mean you are still subjected to costly deductibles, some out of pocket expenses, and policy limits, any expenses beyond which you will be required to cover. Also, your insurance company could be entitled to reimbursement for the expenses they pay once you receive your final settlement.
It’s strongly advised that you have your doctor or medical care provider bill all of your expenses to your own insurance in order to make sure you receive all contracted rates that are set in place. This also prevents the medical provider from filing a medical lien against your settlement, which could wind up costing you a lot more in the long run once your case completes.
Medical Payment Insurance Coverage
If you have full coverage insurance on your own vehicle, odds are your auto insurance policy also features what is known as “med pay” coverage. This is designed to cover the medical expenses and payments for drivers and passengers riding with the insured individual, up to the limits on the policy. While this is a good immediate way to get some of your expenses covered, it will rarely take care of everything, especially after a serious accident that requires continual examination and treatment.
Were you injured in a car accident while performing duties in the scope of your employment? You could be eligible for workers’ compensation! If you are injured in a car accident while on the clock and performing a duty as part of your employment, file a workers’ compensation claim with your employer. This could cover a substantial portion of your losses, even including rehabilitation, medications, and transportation to and from your medical appointments!
Medicare is a federally-funded insurance program that could possibly cover your expenses as they are incurred. However, eligibility is complex, and you should not pursue this route if you are unsure whether or not you qualify. Also, like your own health insurance, the Medicare program could be entitled to reimbursement out of your final settlement to cover their costs.
Medicaid provides subsidies for states who offer their own state-run health insurance programs. Much like Medicare, qualification for these benefits could be complex, and it’s strongly advised you speak with an attorney before pursuing this option.
When you have been injured in a car accident, you should retain the assistance of an Atlanta car accident lawyer as soon as possible. At Pratt Clay, LLC, we have recovered tens of millions of dollars on behalf of our clients, and we can put that same successful legal strategy to work protecting you and your rights. We always put your best interests first in every case we take, and we never force our clients to settle for a conclusion that is not in their favor. Our firm’s philosophy is simple: we do what’s best for you, not what’s best for us. Our attorneys take a personal approach to each case and get to know how your injury has impacted your life in order to better represent you against those who would rather protect their bottom line than give you the care you deserve.