Who will pay for medical bills if I am getting treatment, while a case is ongoing?
Video Transcript
Of course, people are always concerned with who is going to pay for their medical treatment while they’re getting it. It’s not always an easy question to answer. The first avenue of paying for your medical bills would be your PIP coverage or your personal injury protection. That is coverage that you have through your insurance company. Hopefully, you purchased that at the time when you bought your auto insurance. However, if you don’t have PIP coverage, the next step would be to use your health insurance. Your health insurance should pay for the treatment just as any other treatment that you run through health insurance. This is regardless of whether or not it is auto accident-related.
What if I don’t have Health Insurance?
If you don’t have PIP and you don’t have health insurance, then you’re in that unfortunate, rare position where you’re going to have to pay your own medical bills as the case goes along. Or, you’re going to have to find a medical provider who is willing to wait for payment until the end of your treatment. One thing I can recommend as crucial: Never don’t get care because you’re worried about who’s going to pay for it. You should always be focused on making sure that you get the medical attention you need to recover from your injuries, without worrying about who’s going to pay for it. No amount of money can make up for your health, and your health is the most important thing.
At the end of your case, what we can do is then take all of your medical bills that were related to your accident-related injuries, and require the third-party insurance or the other guy’s insurance company, to pay all those medical bills. There’s also something that you need to know about this process called subrogation. Anyone who pays medical bills on your behalf while the case is going on, whether it’s PIP or health insurance, is going to be entitled to be reimbursed for that amount at the time of settlement out of the third-party settlement. It is important that you talk to an attorney about the subrogation. Hiring an attorney can help you reduce or sometimes eliminate the need to repay those insurance companies through subrogation.