Health Insurance and Personal Injury Claims

Transcript:

So after you’ve been injured in a car accident should you use your health insurance to pay for your medical bills?

Surprisingly we actually get asked that question all the time. I’ve had lots of clients over the years who believe that their health insurance shouldn’t have to pay for their medical care because the accident was somebody else’s fault, so their insurance should have to pay for your care. That’s not the right approach. You have health insurance for a reason, you pay your health insurance premium every month for a reason. And the reason is to cover your medical expenses regardless of the cause that lead to those expenses. So we want all our clients to use their health insurance to pay for their medical care. That’s why you have it. Sometimes your health insurance will have a right to be reimbursed for that care. And that’s okay, we’ll deal with them at the end and we’ll take care of that for you. But we want you to use your health insurance to pay for your medical bills. Because if you don’t, what does sometimes happen is not every case works out.

If it turns out we find out a month later that there wasn’t auto insurance coverage, that the at-fault party didn’t have coverage even though we thought they did and you’ve incurred five thousand dollars worth of medical bills that haven’t been paid for, you personally are on the hook to pay those. We don’t want that to happen. So the advice we give every client is you use your health insurance to pay for your medical care. But if you’ve been hurt in an accident give us a call and we’ll talk to you about all the ins and outs of health insurance, health insurance subrogation, medical care on liens, it’s complicated and there’s a lot to it so give me a call and we’ll sit down and we’ll talk about it and tell you what we can do for you.

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