Using health insurance after an accident is available to help cover costs of medical care ranging from routine doctor visits to unexpected illness or injury. Most insurance policies will cover expenses regardless of how your injury or illness occurred. However, using health insurance after an accident can be tricky, but it protects you and your family from financial hardships that may result from health care expenses.
It is suggested to use your health insurance after an accident to receive prompt care and get the best medical experience after an injury. The following information will guide you with health coverage and remedies available after using health insurance after an accident.
Your co-payment is a set amount that you pay for each medical service, such as a doctor’s visit, diagnostic test, or prescription. After medical services have been provided, you should expect a bill from your health insurance detailing your responsibility for the deductible.
A deductible is the set amount you must pay, before your health insurance pays for your any of your treatment. Any costs beyond the deductible should be covered by your health insurance.
If the accident was not your fault, your medical expenses should be covered by the at-fault party’s liability policy. If you receive a personal injury compensation for injuries relating to negligence of another party, your health insurance is entitled to make a subrogation claim against your compensation. Your health insurance seeks reimbursement of any medical treatment rendered as a result from a third party negligence.
The right of reimbursement belongs to your insurer as you cannot “double dip” for the same damages. If your insurer paid for the medical bills after your accident, you cannot receive compensation from the defendant for the same medical bills. However, the value of your personal injury case does stem from the amount of medical bills and treatment you have received.
How to Use Health Insurance After An Accident
Its is recommended to hire a lawyer who is knowledgeable in the reimbursement and particular aspects of a personal injury case. This will assure you that there are no outstanding medical bills and/or that you are reimbursed for your deductible and co-payments you have made out of pocket.
Hire An Experienced Lawyer
Using health insurance after an accident, may cause a financial burden for you and your family. Contact the lawyers at Sweet Law Group to ensure that you are reimbursed of any co-pays and deductibles that you have paid out of pocket. With over 40 years of experience, our office has seen thousands of cases and we know what it takes to get you the justice and compensation you deserve. Call our office today for a free consultation at (800) 674-7854.