How to Pay Medical Bills During an Accident Claim
The biggest question we get asked by new clients is, “How am I going to pay for my medical bills?” At the end of the day, our goal as personal injury attorneys is to make sure you are taking care of after an accident. If you had to pay for a doctor’s visit out-of-pocket or need surgery, we include these costs in your claim. But while your claim is being negotiated, there are ways you can cover your bills or get them extended until you receive a settlement.
Filing a Personal Injury Claim
If you were hit by another driver, then his insurance company is responsible for paying for your medical treatment. However, insurance companies love to haggle over claims, meaning they may not automatically pay you the full amount of your bills. Instead, the insurer may ignore your calls or emails, offer you a small settlement, or try to blame you for the crash. It may also not include the full value of your injuries, including any long-term treatment you might need. This can all make it difficult for you to get your medical bills paid as fast as possible.
If you work with a trial attorney at Steven Titus & Associates, P.C., we can calculate the full value of your accident in the long-term. A personal injury claim is meant to cover the overall cost of your injuries, but this will take time. While you are waiting for a settlement or jury verdict, there are other ways we can help you to cover your bills.
First, if you have health insurance, it is important to use it first after an accident. Health insurance includes discounts for many procedures, from emergency room visits to surgeries. In the long run, even a basic policy can reduce the cost of your medical bills. If you do get an insurance settlement, your health insurance company may demand reimbursement for the full price of your bills, but we will plan for this in your claim so that you do not have to worry about it.
Alongside your health insurance, your own auto insurance company may be able to help. If you have MedPay or personal injury protection coverage (PIP), then you can automatically receive coverage for your injuries after a crash – any crash. MedPay applies even if you were at-fault for the collision and can provide between $1,000 and $5,000 in compensation. MedPay is optional in Wyoming, but it is a great resource if you have it.
It is important to use your health insurance first and then your MedPay coverage. Health insurance offers more discounts than MedPay, and any out-of-pocket expenses can be covered through MedPay. Any of your out-of-pocket expenses can also be included in your personal injury claim.
The other option is to speak to your doctor or healthcare provider about placing a lien on your claim. A lien means that the hospital will provide treatment for your injuries first and then ask for payment once your claim is settled. This ensures that you get treatment as soon as possible. While you may be worried about paying for a lien, we can ensure that your settlement includes these costs and even negotiate the lien down to make sure you get the most out of your claim.
Campbell County Financial Assistance
Campbell County Health has several options for patients who need help paying for their medical bills. This department is open Monday to Friday, 8:00 a.m. to 5:00 p.m., and can walk you through the process of getting your bills paid. These financial assistance programs include:
- In-house payment arrangements that allow you to break your bill into multiple smaller payments with zero interest
- Zero-interest credit accounts that allow you to pay for your bills on credit
- Uninsured discounts if you do not have health insurance
- MedData, which is a service that helps patients find financial assistance to pay their bills
Speak to a Lawyer for Free About Your Options
Our team at Steven Titus & Associates, P.C., understands that money is tight and you just want to move on after a crash, which is why we offer free consultations. We also work on a contingency-fee basis, which means you do not have to pay us unless we secure your settlement.
If your injuries were caused by another driver, let our Gillette personal injury lawyers fight for you. We are dedicated to serving our neighbors here in Campbell County and will not rest until we win your claim. To get started, call Steven Titus & Associates, P.C., at (307) 257-7800.
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