Auto insurance is one type of coverage that may make you eligible to receive medical care after an accident with no out-of-pocket expense. If you have been injured in a car accident , you may be eligible for this type of payment to the health provider of such service. Many doctors will not take third party billing. They only want to take first party billing.
Third party, First Party billing in an auto injury accident case
First Party Billing
First party billing would be through your own auto insurance company. This would be Med pay or Pip ( personal injury protection). The medical doctor, physical therapist, chiropractor, orthopedic would contact your insurance company directly and bill them accordingly. If the medical care exceeded the amount of the benefit, the doctor would be working on a medical lien. The insurance company has no obligation to pay for medical care exceeding the benefit amount. At that point in time anything over the benefit amount may become part of a personal injury case against the third-party insurance company.
Third Party Billing
Third party billing means you are covered by the at fault party’s insurance company involved in the car accident. This type of coverage generally means you will get medical care and treatment on a medical lien from the medical provider. They will get reimbursed at the end of the settlement process. The injured victim can pay for medical care out-of-pocket and gather the medical bills to submit for reimbursement after they have healed from their injury. In most cases the doctors that provide accident injury care work on medical liens and the patients do not have to pay any out-of-pocket expense. In most cases the third party insurance company will never pay for medical care up front, they only pay when you are released from medical care. Third party billing will take the longest for the doctor to recover his or hers expenses.
If you have med-pay or Pip, the insurance company is only required to pay reasonable or necessary medical care. This means that the doctor has to follow guides for treating auto injury cases and has to charge a fair amount or the insurance company will not pay for it.
Know what kind of insurance you have
Some people have never heard of med pay until after an accident. Know what kind of insurance you have and what it covers. Don’t wait until you are injured in a car accident. Med pay will cover your medical expenses if you are injured up to the amount that you specify, the cost is very minimal. Do not rely on third party insurance to cover your medical expenses , you are responsible for your well being.