May I Have My Health Insurance Pay For My Medical Treatment?
This guest blog post is by Aaron Wallenstein, a top tier New York dwi lawyer. Automobile accident victims have many questions following an accident. The most common question is whether they should seek medical treatment following an accident. The answer to this question is always yes. Even if you don’t feel you have suffered any injuries, being checked by a medical professional is a safe option. Since so many injuries associated with car accidents are invisible and internal, you won’t see them or even feel them right away. If invisible injuries are left untreated too long, they become worse. When they become worse, it’s difficult to treat them, the pain is worse, and the additional damage they cause your body might not be something you can recover from.
The second question has to do with health insurance. If someone else causes your car accident, should you use your own health insurance when you go to the hospital or doctor? Many accident victims wonder if this is a good idea or if it has a negative effect on their potential lawsuits. The answer is yes, you should use your health insurance if you seek medical attention. There is nothing wrong with it.
Why You Should Use Your Medical Insurance
When you’re involved in an auto accident, the medical bills you incur are yours to pay until a settlement is reached. This could be weeks or even months. You’re responsible for paying these bills in the meantime, and that means you’re going to want them as low as possible. Your health insurance is designed to help you with the cost of treatment, and it’s designed to be used every time you seek medical treatment.
Additionally, many medical providers require patients use their insurance. It’s not an option for many, and that means you’re using it regardless. Your health insurance can help you pay for the cost of treatment until your insurance or the at-fault driver’s insurance comes through with reimbursement for your medical bills.
Insurance Payouts and Medical Bills
Another consideration you must make is how much the at-fault driver’s insurance pays for medical bills. In most states, the requirement insurance companies are legally obligated to is a maximum of $10,000. This mean you might only receive compensation up to $10,000 for your medical bills. If you choose not to utilize your health insurance, your bills will exceed that amount quickly. Using insurance keeps costs down and allows you to incur fewer medical bills. If you’re waiting on reimbursement right away, you want those bills to stay low.
Unfortunately, you’ll end up paying for your medical bills out of pocket at first. There’s nothing you can do about that if you need medical treatment. Laws regarding medical bills are confusing and very complicated with insurance agencies, but the fees will be much smaller if you use your insurance than they are if you don’t. Now is the time to use your insurance while you wait for the other driver’s insurance company to reimburse you for your medical bills.
Lawsuits and Medical Bills
Even with insurance, your medical bills can exceed $10,000. If your injuries are serious enough to warrant that, you might consider the benefits of filing a lawsuit against the at-fault driver and his or her insurance company. This works by allowing you to file a lawsuit within the appropriate statute of limitations so you can reach a settlement. Many insurance agents are willing to offer you a settlement in the form of a lump sum to avoid paying higher fees and bigger settlements during a court hearing. This can help you cover the cost of your medical bills associated with the accident. This is also a way to recoup lost wages for any recovery time or injuries that caused you to miss work.
Calling an attorney with ample experience in personal injury cases is the first step. You must know your rights and what to expect, and filing a lawsuit is far simpler when the person handling your case is a legal expert. Consultations are free, and you are not charged anything until we win your case. Call us now to discuss your medical bills, your accident, and what the next step is toward finding financial peace following an accident.