After your car accident, the medical bills are piling up, and you’re worried. “Who is going to pay for all of this?
A common question clients have is, “how am I going to pay for my medical bills?”
If you’ve just been in a car accident, it is important you receive immediate, competent medical treatment. But this medical treatment is expensive, and depending on the severity of your injuries, the bills can pile up extremely fast.
You have several options to pay for medical treatments.
- Medical payments coverage from your own auto insurance policy. This is commonly known as “Med Pay.” This is optional coverage that can pay all of your necessary and reasonable medical expenses up to the limit of the policy. A common limit can be $5,000, but you can purchase less, or better yet more than this amount.
- Your own health insurance. If you have health insurance, you can use this to pay for your medical services.
- The medical service provider. Yes, if you have no other way to pay for medical treatment, some health care providers will allow you to receive treatment subject to a medical lien.
Note that if you use option #1 or 2, or both, that your auto insurance company and/or health insurance company will attempt to seek reimbursement for these costs, if there is another party at fault for these injuries. An experienced personal injury can negotiate these liens down by as much as 30-40% in some cases, saving you a substantial amount of money if you ultimately receive a monetary settlement from the negligent party.
Remember, until the case is settled, YOU are ultimately responsible for any medical bills you incur.