Your medical insurance may or may not cover some or all of your medical bills and medical treatment rendered in connection with your accident. Health insurance companies always make an independent determination whether to pay medical bills and cover treatment. This independent decision will not have an impact on any of your pending claims against your auto insurance company.
Health Insurance Companies May Offer Coverage
Until a claim is paid by a health insurance company, there is no way to know if it will be covered. In some cases, you will need to contact your health insurance company for a pre-approval. Every company and plan is different. In some cases, if you fail to call for the requisite pre-approval, then your health insurance company may decide not to pay your medical bills.
If you plan on using your health insurance to pay for your medical bills, take the time to find out what you must do to have your medical treatment covered by your health insurance provider. Calling ahead of time to get the requisite pre-approvals is always recommended. Your attorney is available to provide any additional information you may require.
Health Insurance Coverage Varies
Every health insurance company operates a little bit differently. If you have the option of having your health insurance cover your medical bills, then you definitely want to consider taking them up on the offer. Health insurance plans typically offer more coverage than health payments made by auto insurance companies. However, this can vary from company to company.
Medical Bills After an Accident Can be Very Costly
People who are involved in an accident often have very high medical bills. Emergency treatment alone can be very expensive. The cost of medical treatment is based on the extent of the injuries, whether a person has been admitted to the hospital and where the treatment is rendered. Certain health facilities and hospitals charge more than others, so you always want to take that into consideration if you can decide where you want to go.
Find Out What Your Health Insurance Company Will Cover
After an accident, most people need to continue to seek further medical treatment to get better. Whether or not your independent health insurance company will pay for this depends on your particular health plan. After getting into an accident, it is important to find out what health coverage is available to you and how much treatment will be covered. Take time to discuss your course of treatment and health insurance coverage with your attorney.
Ask Your Health Insurance Company About Co-Pays
In addition to contacting your health insurance company, you also want to speak to your auto insurance company to find out more about what medical payments they will or won’t pay. If you have any co-pays that must be met, then you may be able to tap into your auto insurance policy for that. Take the time to ask your attorney or your car insurance company about whether or not they will cover any existing co-pays for your medical treatment.
What may or may not be available to you in terms of health insurance coverage and medical payments is based on your health insurance plan and coverage. Always take the time to look into these things before assuming that everything will be covered. In addition, feel free to discuss health insurance options with your attorney as well.
Everyone who is in an accident will have out=of-pocket expenses that will need to be paid. Take time to find out what expenses will be covered by your automobile insurance policy and which ones will not. Certain medical treatments, prescriptions and medical devices may not be covered by health insurance or your automobile policy. You will also want to inquire about any transportation expenses you may incur to get from one medical provider to another as well.
Unpaid Expenses and Medical Bills
You should bring any expenses that your insurance company or auto insurance company will not cover to your attorney’s attention immediately. You may be able to get reimbursed for these additional expenses by adding them to your overall damages when you file your claim. Your attorney will tell you what all of your options are when it comes to getting reimbursed for any out-of-pocket or outstanding medical bills.
Your attorney is always available to answer all of your questions about medical payments and health insurance coverage. By taking the time to explore all of your options and find out what pre-approvals you must seek and what expenses, medical treatment and medical providers are covered ahead of time, you will be on your way to making certain that all of your medical bills and expenses will be covered in advance.
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