Who Pays My Medical Bills?
One of the biggest concerns injured accident victims have is the cost and payment of their medical bills. These are unexpected medical expenses that most injured people cannot afford to pay. Accident victims are often surprised to learn that they will be asked by health care providers to pay medical bills upfront or as they are incurred. This is an area of personal injury that requires a very skilled and experienced attorney.
More Than 18 Years of Experience at Your Side
At the St. Louis Law Office of Scott H. Green, we protect the rights of individuals throughout Missouri who have been injured in a car accident. We are able to answer all your questions about medical bills and the best options for your particular case. Our St. Louis car accident injury lawyer, Scott H. Green, has more than 18 years of experience. He is extremely knowledgeable and skilled when it comes to medical bill issues and solutions for his clients during this very difficult time.
We offer free initial consultations. Contact us today and schedule yours so we can immediately begin discussing your medical bill payment options.
Medical Bills and Payment Options
There are three main options other than self pay for paying medical bills for an auto accident victim. However, every situation is different, and we stress the importance of discussing yours with our experienced personal injury attorney.
- Health insurance: If you have health insurance, this is a viable option for you. There are some pros and cons to this. For example, the at-fault party's insurance company may argue that any contractual adjustments or write offs that are taken by the health care providers are no longer included in the injured party's damages. In addition, the health insurance carrier may try to pursue subrogation or repayment at the conclusion of the case or at settlement. In addition there is the issue of co-payments and deductibles.
- Med pay: Sometimes medical bills are paid using med pay coverage. This is an optional insurance coverage that may be under the auto insurance policy of the injured party or a policy on the car he or she was traveling in at the time of the accident.
- Liens: Many times medical bills are handled by the health care provider agreeing to hold off on collection by placing a lien on the case. Medical bills with liens are then addressed at the conclusion of the case. Missouri law sets forth specific amounts each health care provider, that asserts a lien, receives out of a settlement.
Keep in mind that if you have been injured in an auto accident, you have the right to select your own health care provider, not the insurance company. Therefore, the hospital, doctor, therapist or chiropractor does not usually directly bill the at fault insurance company. Instead the health care provider must be paid through health insurance, med pay, self pay or at the conclusion of the case/settlement.
Contact Us Today for a Free Initial Consultation
Have you suffered an injury in an auto accident? If so, you likely are wondering how your medical bills will be paid. Attorney Scott H. Green can help answer these questions and be your experienced guide through a very stressful time in your life. Contact us for your free initial consultation today.