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Should I use my health insurance after a car crash?

On Behalf of | Jun 15, 2018 | Personal Injury

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.