How Do I Pay for My Medical Treatment?

Ultimately, the at-fault party's insurance company is responsible to pay your medical bills. However, many insurance companies will not pay anything on your claim until a settlement is reached. In the meantime, if your medical bills remain unpaid, your medical providers could initiate collection action to get paid on the bills. The first option is to pay your medical bills out of pocket. This will, of course, avoid any issues with collections. You will receive compensation for your accident-related medical bills when your claim is settled.

The second, and perhaps more realistic option, is to use your health insurance coverage. You should provide to all of your treatment providers your health insurance information and have them bill your health insurance. If you have co-pays or deductibles, you should pay them as soon as possible. Some medical providers will send an account to collections even if a co-pay is not paid in a timely manner. Another resource to use is any medical payments ("medpay") coverage through your own automobile insurance policy.

Depending on your income level, you may qualify for assistance with emergency room bills through the Hospital Care Assurance Program (HCAP). HCAP forms can be obtained at the hospital and on-line. You should utilize the resources available to you to pay your medical bills as soon as possible to avoid the headache of bills going to collections and potentially lowering your credit score. As part of representing you in your injury claim, we will do everything possible to make sure that your medical bills are paid in a timely manner and that you are fully compensated for your injuries.