In America, the primary means of paying for our medical expenses is with our medical insurance. And while efforts to expand health insurance have increased, the CDC reports that an estimated 9.6% of Americans lack access to health insurance as of June 2021. There’s a myriad list of reasons why a person can be found without health insurance, but in the event of a car accident, it’s important to know that while the opposing party can be expected to pay for your medical bills, it’s not required that they pay them now. That said, you are required to pay your own medical bills as you accrue them until the event of compensation by the opposing party. This rule does unfortunately, leave those without health insurance at a loss for what to do in the meantime until their case finishes. Check out this list of what you can do to pay your medical bills while your personal injury case finishes:
1. Medical payment coverage: Otherwise known as “Med pay” some automobile or property insurance policies have this option attached to them. Basically speaking this type of coverage will pay the medical expenses of an individual injured in an accident up to the policy limits. All expenses above the policy will still need to be paid by you, but this will at least alleviate some of the burden of your bills for a time.
2. Medicaid: Medicaid is a federal health insurance program meant to provide health insurance to low income citizens through state agencies. Keep in mind that Medicaid isn’t a charity. Instead of sending insurance directly to consumers, it sends funds to the states individually who run the health insurance programs. If you lose your job and income as a result of the accident and your health insurance in turn, you should go to your state’s Medicaid office to see if you qualify. If so, they will pay your medical bills going forward as well as some of your past bills.
3. Pay arrangements: Some medical providers are willing to work with patients without insurance by allowing you to set up a pay arrangement in order to ensure that bills eventually get paid off. Essentially, the provider will agree to treat the patient under the promise that the bill will be paid with the compensation from the case. This is done through a personal injury lien: a binding contract between the patient and provider.
If you need help after a car accident, contact a personal injury lawyer today at the Eric Roy Law Firm.