What is a medical lien?
A medical lien is a guarantee to a medical provider, doctor, treatment center to recover medical cost associated with the treatment of an auto accident injury. The amount that can be recovered is determined by the amount of the treatment or medical care received. A medical lien’s might mean that the doctor, hospital, or medical care facility will not get paid until a recovery in a personal injury case is made. In other words a doctor treats you will no out of pocket expense. The doctor gets paid when your case has been settled.
There are several reasons why many doctors , other than an emergency room, wont see you with a medical lien. A doctor gets paid when services are rendered. When a medical lien is in place, the doctor might not get paid for quite some time. You may find yourself in a situation when the doctor wants you to pay out of pocket, or when the Doctor finds out its an accident injury, wont treat you at all. Accidentdoctor.org helps many patients that have this very situation. In some cases attorneys want to reduce medical expenses, and some doctors don’t like the hassle of dealing with an attorney. Not all doctors will work on a medical lien, its even harder to find specialist to work on a medial lien
Medical liens are implemented when a doctor does not get paid for his services rendered to an auto accident injury victim. In some states they don’t file medical liens, they just hold the accident victim responsible for the bill. They are not concerned about your personal injury case, they just want to get paid.
How much can a doctor recover on a medical lien?
One might think that a doctor can recover 100% of his charges after filing a medical lien. In most cases this just does not happen. A doctor who files a medical lien might get 100% of his bill paid if the service he provided is considered necessary and reasonable treatment. In some states they decide by; how much a health insurance company will reimburse the doctor if he or she performed the same medical care. Laws very from state to state regarding medical liens.
Most personal injury attorneys will work with doctors to make sure they get paid for reasonable and necessary medical care. In rare cases , some attorneys wont pay the medical provider out of the settlement proceeds. They will give the client their portion of the settlement and tell them to pay the outstanding medical bills. The attorneys who choose to do clients and doctors this way generally don’t have much repeat business. If you hire an attorney for your personal injury case, one question you should ask is how the medical expenses in your case will be paid.
How you can protect yourself
Some states have pip or personal injury protection. Pip will cover your medical expenses in the event you are in an accident. You can find what the pip states are here. If you live in a state that does not have pip, you can purchase med pay. Med pay will cover your medical expenses and doctor care if you are injured in a car accident. You can decide how much med pay you need to purchase for you and your family. Med pay, like pip, will cover you and anyone in your care, no matter who was at-fault. Do not leave it up to the at fault insurance company to be responsible for your medical bills, even though they are liable. Make sure you have enough insurance coverage for you and your family.
If you need help finding a doctor because you have been turned away from a doctor who wont see you because you have been injured in an auto accident or wont see you on a medical lien, please contact us immediately. If we do not have a doctor listed in our database, we will find you one.