Modern medical treatment is expensive. The medical bills in an injury case are usually far beyond the victim's ability to pay.
At Jacobs & Dow, LLC, we have a wealth of experience helping clients obtain the compensation they need to pay medical bills in personal injury claims.
Our Injury Lawyers Will Help Get the Bills Paid
If you have regular medical insurance at the time of an injury or afterward, that coverage will pay for medical treatment caused by an accident or malpractice. This is true whether the coverage is private health insurance, the Husky plan, Medicare, or an ERISA self-insured plan. Medical insurance will pay for accident-related medical expenses just as it would for medical treatment related to any other illness or condition.
If you have been injured, it is important to submit a bill of health to your insurer, much like you would submit a bill for treatment of an illness. In some cases, the insurance company will ask for proof that there is no MedPay or no-fault insurance. In other cases, the insurance company will claim it is entitled to be reimbursed. If additional coverage is obtained from Medicare or Medicaid, it could result in a lien, as well. Our attorneys have the experience to help you through these complex issues to make sure you obtain the coverage you need in the most efficient manner possible.
The insurance company for the person who causes an accident will not directly pay the victim's medical bills. As a rule, insurance companies pay nothing initially, as payment would be an admission of fault. At the end of the case, however, the liability insurance company takes into account the amount of the victim's medical bills, paid or unpaid, and factors it into the settlement. For obvious reasons, a more seriously injured person usually has larger medical bills.
We Can Help Arrange Medical Treatment if You Have No Insurance
If you have no medical insurance to pay for injury-related treatment, doctors or hospitals may refuse to provide treatment. The injury lawyers at Jacobs & Dow will find physicians in the community who will treat you and wait for payment of the bills until the end of the case.
If you have no insurance and your bills remain unpaid at the end of the case, part of the settlement may be used to pay the outstanding bills. An experienced injury lawyer will negotiate down the unpaid bills and try to get the best deal possible.
As for bills paid by insurance, in most cases your medical insurance company has no lien or right to be repaid from your settlement. In other words, you don't have to pay back the medical insurance company for the accident-related bills it paid. There are a few exceptions to this general rule. Medicare, for example, does have a lien on any settlement for injury-related bills it paid.
Contact Jacobs & Dow, LLC
Call 203-772-3100 or send us an email to schedule a consultation with an experienced attorney from our firm.