CAN I USE MY HEALTH INSURANCE COVERAGE TO PAY ACCIDENT BILLS?
Posted on Monday, October 22nd, 2018 at 6:49 am
Paying medical bills is not a top priority for many accident victims. Accident victims are more concerned about their injuries and the medical treatments needed to help them heal from those injuries. Unfortunately, the costs of those medical treatments will become due, and medical providers will look to the accident victim for payment.
If you are facing mounting medical bills from an auto accident that was not your fault, we want to help. The Sacramento car accident attorneys of The Tiemann Law Firm can help you file an accident claim to recover compensation for your medical bills and other damages.
Call now for your free consultation with one of our Sacramento injury lawyers. It does not cost you anything to get the advice you need!
Don’t Accept a Settlement Offer Without Talking to A Lawyer!
The insurance company for the other driver knows you need money to pay medical bills and other expenses. The adjuster may use this knowledge to convince you to accept a quick settlement for your injury claim.
However, the amount offered to settle your claim is likely to be far less than your claim is worth. Therefore, you can lose money by accepting a claim without the advice of an attorney. Furthermore, accepting a settlement before you have reached maximum medical improvement could cost you thousands or hundreds of thousands of dollars if you sustained a permanent impairment of disability.
Even though you may feel pressure to settle your injury claim now, you should talk to our Sacramento car accident attorney before signing any forms. We help ensure you are not cheated out of the money you deserve for your claim.
But What About My Medical Bills After the Accident?
Payment of medical bills is a serious matter when handling a car accident claim. One way to deal with medical providers is to request they accept a medical lien letter from your attorney. Some medical professionals postpone payment until the settlement of the case. However, your attorney must submit a letter stating that he will pay the medical bills from the insurance proceeds before you receive any funds. BEWARE – If you do not recover funds for your claim, you are still responsible for paying the medical bills.
Another option is to turn the medical bills into your health insurance provider. Most health insurance companies pay medical bills incurred because of an auto accident just like they pay any other medical bill. However, if your health insurance company pays the medical bills from an auto accident, you must be aware of the insurance company’s lien on any proceeds of an accident settlement.
What is a Subrogation Claim?
Within the health insurance policy, the company includes a subrogation provision. If the health insurance provider pays medical bills related to an accident, the company receives reimbursement from third party claims. In other words, the health insurance company has a lien on those funds.
A subrogation claim is the health insurance company’s right to reimbursement for payments related to the accident. The health insurance provider can demand reimbursement of any bills it paid related to the auto accident from the proceeds you receive from the party responsible for causing the accident. Many people do not believe this is fair; however, it is legal.
However, if you do not recover proceeds for a car accident claim, you do not reimburse your health insurance provider. You are legally liable for any bills that the medical providers agreed to hold until the case was settled.
Contact a Sacrament Car Accident Attorney to Discuss Subrogation Claims
Our experienced Sacramento car accident attorneys negotiate subrogation claims. We want to help our clients receive as much money as possible for their accident claim.