Getting your medical bills paid after a car accident can be very stressful. Many people assume the at-fault insurance company will pay for your medical bills after you have been injured in a car accident. This is not the case. The at-fault party will pay for your medical bills, but it won’t be paid as you go, it will be when you are finished your treatment. If you have no money or no means to pay and need medical care you are stuck in a stressful situation.
Some ways you can get your medical bills paid after a car accident:
- Medical Payments or Med Pay
- Pip or personal injury protection, called no-fault insurance
- Workman’s Comp ( if you were injured on the job while driving a vehicle)
- Health Insurance
- Medical Lien ( won’t pay for your medical bills, but you can get the medical care you need immediately)
Medical Payments will pay for your medical bills after you have been injured in a car accident. Generally the doctor submits all of the paperwork and the insurance company send him the money for your care or treatment. Some doctors will not bill Med Pay directly. They want you to pay out of pocket and then the insurance company will reimburse you as you go. These doctors consider this to be third party billing, which they won’t do. If you see an accident doctor he will file all the necessary paperwork for medical payments so you don’t have to worry or stress over how the medical bills are going to get paid.
Personal injury Protection or PIP
Personal injury protection will pay for your medical bills after a car accident up to two years in some cases. Again as noted above, if you see a regular doctor , he may not want to bill the personal injury protection, he may want payment up front. Personal injury protection can be filed by the treating injury doctor for your personal injury claim. All doctors listed on accident doctor will file all the necessary paperwork for med pay and pip so you don’t have to.
Workman’s compensation will pay for your medical bills if you have been injured on the job and your are in a car or truck accident. However, it may take on the role as the secondary insurance provider with he at-fault party for the accident taking the primary. If workman’s compensation pays for your medical bills , it is possible they might want to be reimbursed by the car accident insurance company. These laws differ from state to state, so this may be inaccurate for your particular state. If you have were a passenger in a car, and were riding with a co-worker who was at-fault for the accident. In some states the workman’s compensation becomes the primary and there is no secondary.
Using your health insurance to pay for your treatment is a good option, but one they may cost you out of pocket expense. You may have to pay your co-pays and meet your deductibles for your care. Some doctors won’t even take you as a patient if they find out you have been involved a motor vehicle accident, even if you want to file it under your health insurance. In most cases it is dependent on the health insurance provider and the doctor, or the state for which you live in.
A medical lien won’t pay for your medical bills after a car accident. Furthermore, it will allow you to get the treatment you need. A lien is a guarantee of payment for services rendered when your personal injury case settles. A lien guarantees the doctor who treats you for your car accident injury will receive payment. However, he just has to wait for it. Just as your attorney waits for payment, the doctor would to.
If you have been injured in a car accident, getting your medical bills paid immediately might seem important. The most important thing is making sure you are OK after you have suffered an injury in a car or truck accident. All the doctors listed on accident doctor will work on a medical lien. And, file for Personal injury protection and med pay.