Law Offices of Mathys & Schneid - Naperville Personal Injury Lawyer Illinois Personal Injury Law Firm
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Should I use my health insurance after a car crash?

If you were hurt in a car crash, one of your main concerns is likely to be about payment of your medical bills. Should you involve your health insurance and tell your doctors to bill your plan?

As a general rule of thumb, you should use your own health insurance to pay your medical bills for care after a car crash. Most, if not all, major health insurers have contracts and agreements with doctors, hospitals, and other medical facilities. These contracts and agreements usually adjust, or lower, your medical bills when sent to your health insurer for payment. After the adjustment, your health insurer pays the contractually agreed-upon price to the doctor or facility. For example, suppose your emergency room visit cost $1,000 and the bill was submitted to your health insurer for payment. Your health insurance plan may have a $600 adjustment, leaving your plan to pay only $400 to the hospital as payment in full.

When your attorney is negotiating your claim, your attorney will negotiate based on the total charge of your medical bills, and not just what your health insurer paid. Using the details of the example above, that would mean looking for recovery of the entire $1,000 emergency room bill and not just the $400 that was actually paid.

Usually, when health insurance pays bills following an accident, the health insurer will look for reimbursement from any settlement or verdict in the amount paid by the plan on your behalf. Using the example above, the health insurer would look for reimbursement of $400 from your settlement. Having an experienced personal injury attorney will help greatly, since your attorney will be in charge of repayments and reimbursements associated with your settlement. Additionally, your attorney may be able to negotiate an additional discount with your health insurer, which would increase your net recovery.

Using your health insurance to pay your medical bills after an accident is the smart choice. Your bills will be paid as your case progresses, and it will help your net recovery at the end of your case. If you were hurt in a car crash, please contact the Law Offices of Mathys & Schneid for a free consultation today to discuss your options related to recovery and payment of your medical bills.

What Our Clients Say About Us

  • "Committed To My Cause"

    I was struck by a car while cycling and severely, almost fatally injured. A team of excellent medical professionals performed complicated and extensive surgical and medical procedures as part of a successful effort to restore my health....-Jeff D.

  • "Could not have made a better choice"

    We found Mark [Mathys] through the web after an auto accident in October 2011. While selecting someone you don't know to represent you can be a gamble, we could not have made a better choice....- Dave

  • "Very satisfied"

    Mark [Mathys] is very professional. He responds almost immediately, via email, to any question, comment or concern I have and if he is not able to respond right away, he will let me know. I have been very satisfied with Mark so far and I am happy to be his client.-Jennifer

  • "Easy to talk to"

    Mr. Mathys and Mr. Schneid were very professional and easy to talk to. Prior to working with them, my wife and I had no real experience with the legal system beyond a house closing, yet Mr. Mathys and Mr. Schneid explained the whole process to us very well. I knew that whenever I had a concern about our case or the legal system in general I could call their office or send an email and receive answers the same day...-Larry

  • "Provided very wise advice"

    I've dealt with attorneys on a variety of issues, almost all of them since leaving college and entering the workplace. Mr. Mathys was the first attorney I had any real experience with, and I was impressed then and remain so. He provided very wise advice and always kept me informed. In the end, he delivered a favorable result. I recommend him highly.- Tyler D.

  • "In-depth knowledge of the law"

    Mark [Schneid] is an excellent and skilled attorney and demonstrated in-depth knowledge of the law when he helped settle my dog bite lawsuit resulting from a traumatic incident. He explained what was needed of me and how I should handle the situation in a professional manner.- Karen K.

  • "They went to bat for me"

    Not long ago I was involved in a car accident where I was hit by a gravel truck at an intersection. After I called Mathys & Schneid, even though I didn't have a very large case, they made me feel like I was one of their most important cases. They went to bat for me with the trucking company's insurance and got me a settlement. I would definitely recommend them to my family and friends.-Dan H.

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