Medical Treatment for My Injuries after a Car Accident
In today’s economy, people are trying to save money wherever possible, and for some, struggle to keep a job that offers benefits. If you’re faced with an unexpected injury, what can you do? Medical treatment can be a significant challenge for those without insurance.
There are a number of possible options for injuries suffered after an accident. Like any other injuries, the accident victim will be able to seek treatment under private health insurance, if available.
Private health insurance is obviously not available to everyone. Even if there is private insurance, the deductibles may cause significant financial strain. Many auto insurance policies have Medical payments Coverage (MedPay). Fairly standard MedPay coverage will be for $2,000. It may be higher or lower depending on the policy.
In the event that you have MedPay coverage, you will be able to seek medical attention under the coverage with the insurer paying the medical provider directly. Oftentimes, an attorney can help direct any applicable MedPay to necessary treatment, specialists, or any provider who will not provide treatment on a lien basis.
If you have no private health insurance or MedPay coverage, there are few other options for obtaining medical care unless you are Medicare or Medicaid eligible. One possible option depending upon the type of medical care needed is a medical lien. A lien guarantees that the medical provider will get paid for treatment rendered, but delays payment until any judgment or settlement proceeds. An experienced personal injury attorney can often negotiate liens with different medical providers. However, it can be quite challenging at best to find orthopedic doctors and other specialists that will accept a letter of protection.
While many cases follow similar time tracks, every case is different and deserving of individual analysis of coverage and care options. This applies to all aspects of insurance coverage, medical care and representation model.
If you are injured in car accident, it is important to understand these issues. It is generally advisable to seek the guidance of an experienced and personal bodily injury attorney.
Please feel free to contact our law firm by phone or by email for a free case evaluation. We can be reached by phone at (760) 445-7118 or through our email contact form by clicking the link below!