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The Benefits of Using Health Insurance to Pay for Accident-Related Medical Costs

Published on Nov 27, 2018 at 2:18 pm in Car Accidents.

Car accidents can happen in the blink of an eye—but so much can change in those moments. Severe injuries that can rack up costly medical bills often put auto accident survivors under duress. When it’s time to pay the bills, people may not know how to go through the process. Are they responsible for the costs? What about the person who caused the accident? And when will this matter finally be behind them? A Baltimore car accident lawyer from Belsky, Weinberg, & Horowitz, LLC can help guide you through the process and answer your questions about your claim.

Maryland citizens deserve to have representation that will fight for their rights. Belsky, Weinberg, & Horowitz, LLC is based in Baltimore and will stand up for those who have been wrongfully injured by others. The weeks after an accident may be filled with uncertainty, but we’re here to bring clarity and peace of mind.

Questions of how to afford the aftermath of the collision is often at the forefront of the injured person’s mind. Let’s look in to how using health insurance is beneficial.

Paying for Accident Costs with Health Insurance

There are a few benefits to using health insurance after a car accident. When you need to pay the hospital, your car insurance company will not pay them directly. This is also the same case with the negligent driver who was responsible for the accident. If your claim is settled, the money is paid to you.

You may be thinking that’s fine and then you can use that money to pay off what you owe. However, the claim process can take a long time to settle. In these months or even years, the unpaid bills may start to harm your credit. You also aren’t guaranteed a settlement.

This is why it’s important to send your health insurance company your medical bills as soon as possible—you take care of those expenses and you no longer have to worry about them. You also can start treatment for your recovery more quickly if you already have health insurance. Many patients are required to have health insurance by their medical providers before treatment can start. Failing to have health insurance could cause more financial losses because of how expensive treatment can be. With health insurance, you can start to pay for medical costs and get the treatment you need without severely harming your financial situation.

There’s also the benefit of your health insurance company possibly getting discounts from medical providers on the full amount of your accident-related bill from your car insurance company. So, when your case is settled and your health insurance was used at the discounted rate, you also get that discount. Not using your health insurance will mean that you’ll owe the original total amount of the bill.

There are some health insurance companies that you may have to reimburse when you get your settlement. The discounted rate discussed above can still apply to you, which means the reimbursement you owe won’t be as much as it would because you used your health insurance.

Reliable and Sound Legal Services

Dealing with different insurance companies can be difficult and overwhelming. That’s where we step in. With a car accident lawyer in Baltimore at your side, you can rest assured that we’re looking out for your best interests.

It’s typical for insurance adjusters to speak with car accident survivors soon after the accident to get a statement. They’re trying to settle the matter as soon as possible. Unfortunately, the injured person is probably in no shape to discuss insurance matters, but because they’re desperate to get the matter over with, they either agree to settle the matter quickly or say something that will later negatively affect their claim.

The injured person may not even know the full extent of their injuries or what treatment they will need to recover. Settling to quickly could mean that they won’t get coverage for an injury, because they weren’t aware they had it when they spoke with the adjuster.

These matters require people with experience, patience, and skill. Belsky, Weinberg, & Horowitz, LLC has these qualities and will do everything to help you get the compensation you deserve. We can guide you on how to speak with individuals from insurance companies and will be at your side through the claim process every step of the way. We understand that this can take time and we will fight to get you a favorable settlement. If you have any questions or wish to contact us, you can get in touch with us today.

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