What’s the 411 on medical insurance for car accident victims?
The majority of our patients have no clue whether or not health plans include treatment in the aftermath of an auto accident. Most victims are unaware of the privileges their healthcare program and insurance providers offer. The lack of information can prove costly when dealing with an impending lawsuit or has been forced to stay at home due to injuries.
Our guide teaches you the basics of receiving medical compensation and how to safeguard your rights during personal injury claims.
Here are some essentials you must know:
Step 1: Get Medical Treatment After an Accident
Everything from fender-benders, car collisions to near-fatal-auto-accidents require immediate medical attention. It’s best to consult a specialist right after your accident. That way, the healthcare provider can assess your vitals and diagnose symptoms without delay.
There are times when physical injuries are not evident right away. Yet, the hospital can use advanced equipment. These tools can detect internal injuries that are concealed by the traumatic shock or adrenaline rush. Early intervention can prevent long-term suffering and the development of chronic pain that you might have overlooked.
Pro-Tip: You can also use these records at a later date to file an insurance claim or personal injury claim.
Step 2: Learn What Your Medical Insurance Plan Covers
One must revisit auto and health insurance policies after an accident. Highlight areas of concern and have a basic knowledge of what type of injuries your medical insurance plan covers. The first question is whether or not your health insurance plan covers medical bills. There will be cases where auto accident injuries are categorized as secondary coverage.
That means you shall not receive insurance money as compensation if you don’t meet the official requirements. If your accident falls under their terms and conditions, you will receive a sizeable compensation fee. Yet, the chance of receiving insurance money is slim if you don’t have probable cause to file your insurance claim.
Your best bet is to consult a specialist to back your claims with medical evidence.
Even with significant health coverage, you might have to pay for medication and outpatient treatment after an accident. Filing a personal injury claim can help you get better compensation. All you have to do is share evidence that outlines how and when you sustained the injuries. Your goal is to show the court how hurt you were and how the accident ruined your health and wellbeing.
Once they accept your request, you can receive better treatment and financial support.
When Will You Have to Pay Your Medical Bills?
The answer lies in what medical insurance for car accident victims cover and what they don’t. Depending on your situation, you might have to pay:
- Co-payments according to health insurance policies
- Medical bills not covered by your policy
There are two ways to handle these financial responsibilities. You can either pay them out of your monthly expenses or file for a lawsuit. Restoration Health Center accepts attorney liens and claims to receive a designated part of the auto accident settlement.
Our flexible price policies and cooperative solutions ensure that you receive complete medical treatment after an accident.
In a Nutshell
On the whole, medical insurance for car accident victims can be beneficial for many individuals. The key is to sign-up for a health plan that lists auto accident injuries as primary medical expenses. That way, you can get focused treatment after an accident without breaking the bank.
Do you want to know more?
Contact Restoration Health Center to learn more about medical treatment after the accident and accommodate insurance policies.