A personal injury lawsuit can take time to settle, especially if the insurance company is offering too little or your medical costs haven’t been finalized. If you’re wondering how to pay your medical bills, you may have some options.
Use Your Health Insurance
Your personal health insurance policy could pay for your medical bills while you’re dealing with a personal injury case. Remember to track all of your expenses and to keep all invoices from the healthcare providers to show what was paid. Your insurance company may want to be paid back out of the settlement for their costs. This is normal, especially if you are on Medicare or Medicaid. Using your health insurance keeps your medical bills from going to collections.
Will Your Own Auto Insurance Policy Pay?
In no-fault states, such as Florida, drivers carry their own insurance policy for medical bills. Instead of asking the other driver to pay your medical bills, you file a claim through your auto insurance policy. Although you may be limited up to a certain amount, this can certainly take a load of your mind while you’re waiting for the personal injury claim to go through. If the other driver was uninsured or under-insured, if you have uninsured motorist coverage, this policy would cover your bills.
Work with the Hospital and Healthcare Providers
You may need to talk to the hospital’s billing department yourself. You could take a couple of routes. First, ask the billing dept. about setting up a payment plan while you’re waiting for the claim to settle. This step could keep your account from collections and off your credit report. Ask for any discounts to your account to keep the bill lower. Also, talk to the providers about any other options you have to keep your bill from going to collections.
Talk to Your Lawyer
Unfortunately, your healthcare providers are going to turn to you to pay your bills. They may not wait until your claim is processed. If you don’t have health insurance, you may need to pay your bills out of your pocket until the claim is settled. Discussing all possible options with a lawyer may help you find another solution. If your medical bills are piling up from your accident, you might have options you don’t know. Make an appointment to discuss your claim with an attorney, like a personal injury attorney from David & Philpot, P.L, to take the correct steps to protect your rights.