Being involved in an accident that requires immediate medical care can be a distressing experience. It becomes even more challenging when you receive a hefty medical bill before receiving compensation from your personal injury settlement. Fortunately, there are several solutions that can help you manage and pay off your medical bills while awaiting your settlement.
Your health insurance may cover a portion or all your medical bills, depending on the details of the accident; however, when you are not at fault for the accident, your health insurance will most likely use insurance subrogation to seek reimbursement for your injuries. Contact your insurance company to understand your coverage and ensure that your medical providers bill your insurance accordingly.
If you qualify for Medicare or Medicaid, these government programs may also assist in covering some of the expenses related to your medical care. Additionally, when you suffer an injury that prevents you from working or engaging in daily activities, you may qualify for disability benefits. These benefits are available through government programs, such as the Supplemental Security Income, which can help you pay for your medical care while awaiting your settlement.
In addition, you may be able to create an affordable payment plan with your providers. Some hospitals provide a reduced rate or delay billing until your settlement is reached. Explain your situation and ask if they can provide you with any assistance. You can also request a letter of protection from a personal injury lawyer. This letter is an agreement between you and the medical care provider, allowing them to either pause or temporarily defer your medical bills, with the understanding that they will be reimbursed when the settlement is received.
Dealing with medical bills while awaiting a personal injury settlement can be overwhelming; however, you can manage and pay off your medical bills with the proper knowledge and assistance. When you are still unsure how to manage your medical bills during a personal settlement case, consult with one of our Personal Injury Attorneys today at Norden Leacox Accident & Injury Law. We can provide further guidance and steps to best approach your situation while protecting your rights and financial well-being.