Can i use my health insurance for a car wreck
So many don’t really understand about their health insurance plan and car accidents. And, the result is that they are struggling to get their medical bills paid after an accident. It is essential to know if your health insurance plan is covering a car accident injury, or if you are going to pay it yourself. In some cases, you can make use of PIP or Med Pay to ensure that your medical bills are paid. The more information you have about your health insurance plan, you will understand if your health insurance will pay for your accident injuries. This is everything you need to know to have the reassurance that your medical bills are paid:
Do health insurance plans cover car accident injuries?
It depends on the type of health insurance plan that you have. Most if not all health coverage do not cover accident injuries, while others do cover any accident injuries.
The problem is that there are many people that think that they don’t need to worry about the fact that their health coverage isn’t going to cover car accident injuries. The moment that they are in an accident they are regretting this decision. You need to know if your health insurance will cover an accident injury. You dont need to wait until you are in a car accident to find out. If your health coverage will not cover auto accident injuries there are other options.
Med Pay or Medical Payments
Medical payments are designed to pay for medical care or visits to the doctor. This coverage is for you and anyone in your car. It doesn’t matter who was at fault for the car wreck. This coverage will allow you to see a doctor and use whatever treatments are necessary. The dollar amount is set by you, the policy holder. Med pay will pay out up to the dollar amount you set if your injury requires it. Even if your health insurance will pay for car wreck injuries, you still should have Med Pay coverage. It can be used as the primary and then secondary. It is easier for a doctor to bill than health insurance, so it’s a great advantage to health insurance in the event of a car accident.
Med Pay usually comes in increments of thousands of dollars. This amount is per person, not per accident. If you have 4 people in your car, the amount will be the same for each person, you are not thrown in a pot and everyone gets to divide it.
PIP: Everything you need to know
PIP. The one thing that many people are falling back on when they were involved in a car accident. For those that don’t know what PIP stands for, it is personal injury protection insurance. When you look at what PIP really is, you will notice that this is quite similar to health insurance plans. The only difference is that you can only claim for injuries sustained in an accident.
In some states, it is a must that every driver should have a PIP insurance policy. However, there are some of the states that don’t see this as a necessity. PiP can be helpful when you were in a car accident and sustained a lot of injuries that are going to cost a lot of money. The most common difference between PIP and health insurance is that there is different documentation that you need to have to put a claim for PIP. Many Healthcare providers will not file for Pip or med pay. They consider this third party billing.
States That require Pip
- New Jersey
- New York
- North Dakota
Should you claim for PIP or claim on your health insurance?
If you have both covers, the PIP, and the normal health insurance policy, which one should you claim your injuries on? The PIP cover or the health insurance cover? It is recommended that you should try a claim for PIP and not use your health coverage. You may have a medical deductible to meet if you try and file it under health insurance. This is why the PIP is there, so you should make use of it, after a car accident. However, if you want to get the claim approved, then you should make sure that you are following all the guidelines and rules for claiming from PIP.
The difference between PIP or medpay coverage and health insurance
I can be really hard to understand what the differences between PIP/ Med pay coverage and health insurance coverage. They are covering both for medical treatment or procedures, but the PIP and Med Pay is only for car accidents. These are the differences that you should know between PIP and health coverage.
- With health insurance, they are only covering the patients that are on the policy. If you have someone in the car with you, that isn’t on your health insurance policy, there medical bills will not be paid for by the health insurance company. With PIP or med pay, everyone that was in the vehicle is going to be covered. No matter who they are and if they are on the policy or not.
- Health insurance is paying the medical bills alone. They don’t pay for the loss of income or the rehab center where you need to go to get the best car accident medical care. This is something that PIP will pay for. Pip helps you when you are out of work and having cash flow problems.
- When there is a death because of the accident, the health coverage won’t pay for the funeral. Then, you need to use your funeral policy if you have one. However, if you are claiming from the PIP, you are going to have the funds for the funeral as well. PiP will be paying for a funeral that was caused by a car accident.
What you can do when health insurance won’t pay for car accident injuries.
1.Find a Doctor on Accident Doctor
Accident doctor has thousands of doctors listed around the country that treat auto accident injuries. And even if we dont have one listed in your area, we will find you one. We do have some patients that live in remote areas, we do our best to find you a doctor that is close, and will treat your car wreck injuries.
2.Ask if the doctor will file third party car insurance
Ask your doctor or health care professionals if they will file third party. Depends on the state for which you reside, but in my opinion it is rare to find a medical doctor that will bill third party insurance. However, third party billing is very friendly in some states, such as Virginia.
3.File Personal Injury Protection
If you live in a PIP state, PIP becomes your primary insurance in the event of an car accident. Pip will cover most anything that can happen to you in an auto accident. However, pip has limits, and if you require surgery or have extensive hospital stays, pip will run out fast. Some states such as NY, it is easy to find a specialist that will accept pip. However: in other states, such as FL, it might be harder to find a doctor that will just accept pip without going through a third party such as a chiropractor.
4.File a Med Pay Claim
Medical payments are in a nutshell, health insurance in the event of a car accident. Just like PIP, it could run out if you have a serious injury. I personally carry 10k in med pay, this is more than enough to cover a soft tissue injury. But if i had a broken bone or required surgery, i would be in trouble. So i’m going to call my agent and bump my coverage up to 50k. The difference in the policy amount after 10k is smaller than you think. The more you buy the less the premium goes up.
In my personal experience where a client had an extensive injury (required back surgery). Med pay was the primary coverage, when it ran out, Health insurance took over the burden. This tends to happen in more serious injuries. Health insurance may cover serious injuries that require surgery or hospital overnight stays.
5.Speak with your attorney
Attorneys know that when they have a client that has been involved in an auto accident, medical care will be an issue. Depending on the injuries sustained, will depend on how the attorney can help you. Most, not all attorneys have relationships with doctors in there area that will treat auto accident injuries. These doctors more than likely will treat on a medical, or attorney’s lien. Sometimes attorneys are a necessary evil. I don’t hold a very high opinion of most personal injury attorneys, however i believe there are some out there who genuinely want to help others in need. If you need an attorney after a car accident and dont know who to speak with, contact us.
Tips to remember when claiming for a car accident injury
Because getting into a car accident and sustained injuries aren’t something that happens all the time, it can be hard to know what you should do to get your claim approved. No matter if you are claiming from PIP or from your health coverage. These tips are some of the things that you should remember when you are claiming for a car accident injury:
• Make sure that you know what your PIP or Med Pay coverage is covering during an accident, and if you have a PIP or Medical payments coverage.
• When your claim is denied by the health insurance company, then you should not start to panic immediately. It is common for health coverage to deny auto accident injuries.
• Ensure that you are going to talk to your medical insurance all the time. They need to know what is going on, and you need to know how far they are for approving the health claims that you have made because of a car accident.
• If you don’t have a health insurance, Med Pay is something that you should seriously consider. It can just help when you are in a car accident and have been injured.
Does your health insurance plan cover your injuries after an accident? You need to know the answer to this question in order to know if you are covered when you are in an accident. Or, you should have a PIP insurance plan to ensure that you are covered and that you don’t have any worries about money while you are recovering from an accident. With this information and guidelines, you will know the difference between PIP, Med Pay and health insurance, and you will know if you should use your PIP or your health insurance plan when you sustained injury after a car accident.