What To Know About Your Expenses After An Injury

18 August 2020 by Jonathan Phillips

Were you the victim of an accident that resulted in a serious injury? If so, you may be wondering what will happen with all those out-of-pocket expenses that are associated with your medical bills. Here are 4 things that you need to know about it.

Use Your Health Insurance

Some people assume incorrectly how their medical bills are paid for after an accident. Even if you need to file a personal injury claim against the other person's insurance provider, you still need to use your insurance to pay for all your medical bills. You will eventually be reimbursed for your expenses one the case is settled, and using your insurance is the best way to pay the least amount possible since it may be limited to just a copay.

Keep Track Of Your Expenses

You should be keeping track of all your expenses after an accident, so make sure you get a receipt for any copays and out-of-pocket expenses that you end up paying for. This is not just limited to expenses associated with the doctor, but things like parking, durable medical goods, and mileage on your car. All of these things add up, and you can only ask for them if you keep track.

Know That You Must Pay Back Your Health Insurance

Even though your health insurance paid for the majority of your injury expenses, know that you will have to pay them back once you reach a settlement with the responsible party. When you signed up for health insurance, one of the things you agreed to was to reimburse your health insurance provider if a third party ends up paying for your medical costs. If you end up losing your case, then your health insurance will pay according to your policy.

Avoid Having Bills Sent To Collections

You may run into a problem with big medical bills coming in and struggling to pay the bills. Since a settlement can sometimes take years to receive, know that any medical bills that you do not pay may go to collections. The hospital does not care that you have a settlement that is being negotiated, and will want their money per the agreement with them. Not paying your bills could end up negatively affecting your credit score, so be sure to stay on top of those costs.

Work with a personal injury lawyer if you need assistance navigating your injury related expenses. 

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