After an accident, victims may find themselves facing a number of different expenses. One of the greatest expenses that victims struggle with is medical bills. A recent study found that 41 percent of working Americans have medical bill problems.
Unfortunately, accident victims will not receive any compensation from their insurance until after their claim has concluded. In the meantime, victims have a responsibility to pay all medical bills out of pocket.
At Escamilla Law Group we understand how overwhelming and daunting this may be. We feel that victims should be able to focus on their recovery and not have to worry about how they are going to pay off bills. Our skilled legal team offers experienced advice and guidance about what to do after a crash. We offer suggestions on different options that victims may take to help lessen the financial burden they may feel.
Victims who have been injured in an accident and have health coverage through their work can submit medical bills to their insurance provider. This also goes for victims who are covered under a private plan.
It is common for health insurance plans have a deductible that needs to be met before the insurance company covers anything, so it is important to check with your insurance provider about what plan you may be on.
Medicaid and Medicare are both government entities that provide health insurance benefits for people with low-income or disabilities. If you have been injured in an accident and have Medicaid or Medicare coverage, these entities may cover medical bills that stemmed from the accident.
Medical payment coverage, or med-pay, is part of a car insurance policy. It can help pay you or your passenger’s medical expenses if you have been injured in an accident, regardless of who was at fault. This coverage will provide payment of medical bills up to your policy limit.
In some cases, medical providers will agree to cover post-accident expenses in exchange for an agreement that they will be paid out of any proceeds that come from a later personal injury settlement. If you choose to use this method you will be able to avoid upfront fees which can be helpful, especially if you have other expenses to pay.
Personal Injury Protection (PIP), is coverage on your auto insurance policy and is required by law that every driver has it. This insurance is the first coverage for medical bills and can help to pay smaller charges, like pain medications that were prescribed by the emergency room medical staff.
As listed above, there are a number of different options that victims have to help pay medical bills after an accident. Some of them can help to cover all medical bills, while others offer benefits such as no upfront fees. Regardless of these options, speaking to a car accident attorney of Arizona can help you answer any difficult questions you may have.
Our talented legal team at Escamilla Law Group can offer helpful advice to injured accident victims. Our mission is to provide our clients with the best legal representation on injury-related matters, and this can start with a free consultation today. Contact our firm offices at (623) 321-0566 to speak to a representative about your options.
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