Personal Injury - How to Get Your medical Bills Paid - What You Must Know

Health Insurance Policy - Personal Injury - How to Get Your medical Bills Paid - What You Must Know

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If you were injured in an accident you have curative bills. How do you get them paid?

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Health Insurance Policy

Here are some options: Personal Injury safety (Pip) or Med-Pay from auto insurance; condition insurance; Medicaide; Medicare; or, a personal injury claim against the at-fault man or company.

Your Own Auto Insurance

If yours was a car accident, hopefully the car you were in had Personal Injury safety (Pip) or Med-Pay or both. If you are injured in an accident you are an insured of the car you were in. If you were injured in other person's car and you own your own car you may be able to make a claim on your own car insurance also.

Some states have a no-fault insurance plan. No-fault is a type of automobile insurance in which each person's own insurance firm pays for injury up to a certain limit regardless of whether its insured is at fault.

Personal injury safety (Pip) is other word for no-fault. So if you live in a no-fault state you likely have Pip which will pay your curative bills after an accident. Article the crash to your agent who will open a claim so an adjuster can be assigned. From the adjuster you can get an "Application for Benefits" which you will use to start the process of claiming your Pip curative benefits.

Med-Pay is other type of auto insurance coverage that will pay for curative bills after an accident. Some policies have both Pip and Med-Pay.

Your Own condition Insurance

Contrary to popular belief, your condition insurance will pay your curative bills from an accident. You need to first use up your auto Pip or Med-Pay. Usually, your auto insurance claims adjuster will send you a letter telling you when the coverage is used up. Transmit that letter to your condition insurance and you shouldn't have any question getting them to pay.

There are two advantages to using condition insurance after an accident.

One is discounts. condition insurance clubs get discounts from hospitals and doctors. So the estimate they pay is less than the full estimate of the bill. This benefits you when it comes time to pay them back.

The other advantage is interest. No interest, that is. curative bills accrue interest till paid. If you wait to pay your curative bills until your injury case settles you may be paying a lot of money in interest. And there is the possibility of a collections lawsuit if the bill does not get paid.

If your condition insurance pays and you later get a community you will need to pay them back. Often, if you touch them before you determine they will allow a discount because you had to pay a lawyer to help you get the money.

Medicaide

If you have no hidden condition insurance there may be a program in your state that will pay your curative bills. Sometimes these programs have time limitations so file promptly. There may also be limitations on wage or assets. You won't know till you inquire.

Once again, you will need to pay back Medicaide out of your settlement. But Medicaide gets big discounts so you will be paying back far less than the estimate of the primary bill.

Medicare

Just like Medicaide, Medicare will pay bills from an accident but, again, they want to be paid back. And, like Medicaide they get discounts from condition care providers.

Personal Injury Claim

If there was negligence or other legal basis for a claim, you may be able to recover your curative bills by hiring a lawyer to pursue an injury claim. Injury claims can take time, often some years or more, so, if possible, find a way to get your bills paid with one of the other methods. That avoids interest and inherent collections lawsuits.

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