Many of my clients are often surprised to learn how medical bills are handled – and paid (or not) – in relation to an auto accident (and when it is not their fault!).
Even if you have health insurance, there is a possibility that your health insurance company may deny coverage and payment.The hospital or doctor may refuse to bill your health insurance and attempt to “bill” the other party’s car insurance directly (which usually doesn’t “work”).
Bottom line, medical bills are your responsibility – you signed on the “dotted line” when you (a) got into the ambulance (b) signed in at the hospital and/or (c) signed in at the doctor’s office!
The key question is – how do I pay them? Or how do I “make” the other person (who hit me) pay? That is where lawyers come into the picture. It’s actually not so easy to “make” the other person pay – and, worse, it can take a very long time and, in the meantime, you are still responsible to pay the bills. Otherwise, your credit can be ruined – and that can take years to “fix”.
The complexities of how to get these bills paid, when, by whom exactly and the amounts that should be paid depend upon numerous factors. You may also have what is called “medical payments coverage” or “med pay” or “MPC” in your own insurance policy. However, that can be a “race to the money” by a hospital, ambulance company or doctor. A lawyer can help “control” that race if possible to keep you in control of your medical bills as much as possible.
Next time you talk to your lawyer, ask him or her – how will you address my medical bills? Ask careful questions. I invite them from my clients. I want to educate my clients. Make sure you make the right decision at that fork in the road – or get a second opinion.
You can contact me here 24/7/365 (and I really mean that as I will answer my phone) if you have any questions about medical bills and their complexities after an accident and to learn how I may be able to help you or your loved one who may need, or simply want, a second opinion – in particular, you will find that I listen, take your phone calls and e-mails (and even text messages–BUT NOT WHILE DRIVING!!). I would be honored to help you with your matters – large or small.