After you have been involved in a motor vehicle accident, which has been caused by the fault of another, one of the questions that people have is; who is going to pay my medical bills. The answer to that question depends upon the circumstances of your situation.
If you are working at the time of the accident, you would file a claim against your employer’s Workmen’s Compensation carrier and your medical bills would be paid for by the worker's compensation insurance company. The person’s insurance company that insures the at fault driver would be responsible for paying back any lien that results from these payments.
If you have medical payments coverage available to you then you would submit your medical bills to your motor vehicle insurance carrier first and those bills would be paid up to the stated limits of liability.
If you do not have medical payments coverage available to you, you would have to get a letter from your motor vehicle insurance carrier that indicates that do not have this type of coverage and you would then provide that letter to all of your medical providers so they could bill your health insurance carrier. Your health insurance carrier would then pay your accident related medical bills and depending upon the type of policy you have you may or may not have to repay these monies to your health insurance company.
If you are Medicaid or Medicare eligible, all of your accident related medical bills would be paid for through either program and at the conclusion of your case a lien would result from the payment of these bills which would be satisfied from any recovery which you received.
If you do not have any insurance coverage available to you that would pay your accident related medical bills, then in certain cases we might be able to get you seen by a doctor or other healthcare provider under a letter of protection. A letter of protection allows the doctor or other healthcare provider to treat you with the understanding that they would not be paid until your case was resolved.
There are a number of potentially complicated issues that deal with who will pay your medical bills so it is very important that you contact us at the earliest possible moment so we can review the facts of your case with you and make an informed decision as to the best way to move forward with your medical care and treatment.