How To Get Medical Bills Paid After A Personal Injury
When our firm takes your personal injury case, we examine all possible sources to cover your medical expenses. Depending on the type of accident in which you were involved, there are several alternatives for paying medical bills.
- Motor vehicle accident victims usually have no-fault insurance coverage for the vehicle they are occupying at the time of the accident. One benefit of no-fault insurance is that it does not require referrals, co-payments or deductibles.
- If you are injured on the premises of another person or entity, there may be insurance coverage through homeowner or business policies for medical bills, if the property insurance policy has “med pay” coverage, which pays medical bills up to the “med pay” policy limits. The “med pay” policy limit varies depending on the insurance policy of the responsible party.
- Private health insurance, Medicaid and Medicare may be other options to pay for medical bills.
- Workers’ compensation insurance covers injuries that occurred in the workplace or otherwise carrying out the duties of your job. Workers’ comp does not require you to pay deductibles and pays all medical bills. In addition, New York, workers’ compensation insurers are required to reimburse you for transportation expenses (mileage, parking and tolls) for travel to and from your medical appointments. Even if you work “off the books,” you still may be eligible for workers’ comp benefits.
- There is also the possibility that the insurance of responsible parties will pay for your medical expenses.
- Finally, many healthcare providers are willing to treat victims of personal injury accidents on a lien, meaning they will forego payment at the time services are rendered. When the case is resolved, settlement proceeds from the responsible party reimburse the healthcare provider.