How to Pay Medical Bills after an Accident, With or Without Health Insurance
You have options to get treatment and pay medical bills after an accident, even if you do not have health insurance. We have relationships with doctors throughout Duluth Georgia and the Atlanta area who will see you without health insurance. This is called treating on a lien. A lien is when a doctor treats you on an I.O.U. in exchange for you promising to pay them back when you settle your case.
If you have health insurance, then you will not need this service. But we can still assist you in coordinating doctors’ appointments and referrals to specialists. We will also get all your medical records and bills from each doctor or facility that treated you so we can account for them in your claim or lawsuit. You have enough to worry about. Let Brauns Law, PC take care of it for you.
How to Pay for Doctors after a Car Accident
Below is a short list of the options you have to pay for your medical bills after your wreck.
- Lien – Many doctors will either directly or through a financing company treat you on an I.O.U. against your future settlement funds.
- Health Insurance – Health insurance can pay for treatment, but your insurance company may want to be reimbursed on the back end of your claim. Learn more about using health insurance to pay for personal injury treatments.
- Medical Payments Coverage (MedPay) – This is under your own auto insurance policy. We can analyze your policy to see if this is an option. Learn more about using MedPay to pay for your personal injuries.
- Worker’s Compensation – You can have a personal injury claim arising out of the same work-related accident for which you are also filing a worker’s compensation claim.
- Your own money – If you have the funds, you can even rely on your own money to pay for your treatments and then collect reimbursement in your settlement.
Do Not Delay Getting Medical Treatment after Your Accident
The biggest component of your personal injury claim is your medical treatment. It is extremely important you seek out prompt medical attention if you are hurt. Your physical well-being depends on it, as does your case’s value.
Your pain and suffering, and the total value of your claim for that matter, hinges on the total amount of your medical bills and the type and quality of medical treatment you receive. The insurance company will use any delay or gap in treatment between the date of the accident and the time you see a doctor to argue you were not hurt. The insurer may claim that if you really were hurt you would not have waited to see a doctor.
Part of our job is to get you treatment fast and then make sure you quickly get referrals to specialists when appropriate. Call or contact us so that we can get started and help you get your life back: 404-348-0889.
What to Do When Getting Medical Treatment for Accident-Related Injuries
When you are getting medical treatment, it is important that you:
- Tell the doctors about ALL your injuries. You want to do everything possible to get all your injuries listed in the doctor’s notes/records. If the injury is not in the records, it did not happen and the adjuster will not consider it. Or, if you forget and later remember to tell your doctor about an injury, the adjuster will say this is a gap in treatment or that you are trying to build a bigger claim (i.e. you are lying to add on more injuries to bolster your claim). The best thing to do is get all your injuries down in your record on the first visit or when you first begin to feel them.
- Ask about long-term effects of your injuries. If you have serious injuries (broken bones, joint injuries, herniated discs) you need to ask your doctor about the long term affects, such as arthritis or limited mobility as you age. You need to know what you are up against in the future.
You should not tell the doctor to write down everything. You just need to mention everything possible so that the doctor hears it and will hopefully note it in your chart. You never want to tell a doctor how to do his/her job or look like you are trying to control your treatment for purposes of claim building. Just tell the doctor everything and hope it makes its way into your records.
Medical records are the single biggest piece of evidence adjusters use to evaluate your pain and suffering. That is because they are an objective third party’s notes. While it is absolutely imperative that you be truthful with your medical providers and provide them with any facts or information they ask for (so you get the appropriate care), you should remain cognizant that they could write down anything you say in your records (and use it against you later).
Get Professional Help While Seeking Medical Care after an Accident
We can help you work through your options to pay medical bills after your accident. There are pros and cons to each approach. Once we know the facts of your case and the options you have available, we can work together to make an informed decision on how to best pay for your medical treatment.