Options for Paying Medical Bills Without Health Insurance During A Personal Injury Case
The usual threat that many like to give in the aftermath is that they will be paying all their medical bills and then some. And they will, just not yet. To be more specific, in a personal injury case, it’s the insurance company that doles out the payouts and ultimately pays medical bills, wages lost and other damages. While they will be the entity that’s paying up, one needs to be aware that they won’t be paying just yet. Not only do you have to “win” the case (either in trial or through settlement) the law states that for the time being that up to that point, you are required to pay your own medical bills. Which isn’t entirely a bad thing considering that the value of your case is largely relative to the amount of medical bills you end up paying. The saving grace is that most of these bills are usually paid up by your health insurance, but it goes to ask, what if you don’t have health insurance? How can you pay your medical bills while you wait for your case to finish?
Arrangements made with the medical provider: Some medical providers are willing to work with their patients and make arrangements regarding payment, especially if they’re in the midst of a case. They’ll usually have you sign a “lien,” a contract between you and the provider making the lawyer you’re working with pay the provider from the settlement money you receive at the end of your case.
Car Insurance policies: There are a variety of services within car insurance companies that can help ease the process of paying medical bills if you happen to not have any health insurance. For instance there’s “med pay,” a light coverage option. Med pay will pay for a person’s medical bills, provided that they are below the amount of $10,000. If they end up going over the policy limit, you’ll be responsible for paying them after that $10,000, but this is a light option for those who are without health insurance. There’s also no fault insurance and regardless of what the name implies, no fault insurance (a service within car insurance companies) will pay up on some or all of your medical bills and other damages as well despite who is found at fault or “how much.” Available in a dozen states, some no fault insurance policies have limits and others don’t depending on the state.
Always contact an experienced personal injury lawyer, like one from Eric Roy Law Firm, to get assistance with your case.