If you’re looking to file a personal injury lawsuit, you have plenty of questions. The biggest one on your mind is likely wondering who is responsible for the medical care you need to get better. If you win your case, then the defendant will probably be ordered to reimburse you and your providers for all of your medical expenses. Until your case is over, you have several options for covering the costs of your care
Will the Defendant Cover My Medical Bills?
If you win your personal injury case, you can recover the cost of your medical treatment from the defendant. This is because the legal system wants to minimize the time you spend in court. Rather than coming before a judge with each new medical bill, you should wait until your treatment plan is complete and sue for all of your expenses. While this is a good system in the long run, it doesn’t help you pay your bills while your case is pending. You have other options for covering medical costs now.
In some cases, you may reasonably expect to have ongoing medical expense. You may be experiencing depression or anxiety as the result of your injuries and need to see a psychiatrist for several years. Whiplash or spinal injuries can also require extended recovery times. Some judges will allow you to pursue a case before these long-term treatments are finished. You and your medical provider would have to estimate the total medical expenses you’ll incur. A local personal injury attorney can help you determine if your court system permits these estimated settlements.
How Can I Use a Credit Plan While My Case is Pending?
Large health care facilities know that many patients can’t pay for treatment right away. Hospitals often offer recovery plans that charge a monthly fee rather than a lump sum. If you’ve been injured in a serious accident, the billing department will work with you. They might agree to delay charges to give you time to work on your case or they could offer a no-interest credit card exclusively for health care costs.
Will My Health Insurance Cover My Bills?
The easiest way to pay for the bills from your injury is to use your own health insurance. You can still sue the person who injured you once your medical treatment is complete. You’ll be able to recover any money you had to pay for medications, patient co-pays or services your insurance didn’t cover. Many hospitals have insurance specialists to help you qualify for health care coverage from Medicaid or Medicare. This can help lower the stress from your case and cover your bills right away.
You might have heard that you should avoid using health insurance to pay for expenses stemming from a serious injury. If you’re independently wealthy, that may be a good idea. For everyone else, it’s much easier to let your insurance help you with your medical bills. Plus, if you lose your case, your insurance will have already paid for most of your costs.
How Can a Personal Injury Attorney Help Me Pay My Medical Bills?
If you work with an experienced personal injury attorney, they will have built relationships with medical providers over the course of their career. Your attorney may be able to help you qualify for medical loans with your physician or chiropractor. This can protect you from having to pay the bills from your injury now and let you focus on recovering.
Another option is filling out a medical lien against your case. This gives the health care provider a stake in your filings and ensures they’ll get paid if you win. Some medical offices may prefer this route for covering your treatment costs. As a plaintiff, this option can be a good choice because it doesn’t require a credit check.
You shouldn’t have to worry about paying for your medical bills. Work with an experience personal injury attorney to find the least stressful way to cover these expenses.