Should I use my health insurance for my medical treatment after a car accident?

By Ben Sessions on January 3rd, 2022 in

Question: Should I use my health insurance for my medical treatment after a car accident?

Answer: Without doubt, you should use your health insurance to help pay for your medical treatment after a car accident. Many people are hesitant to use their health insurance to pay for medical treatment after a car accident because they feel that the person that caused their injuries should not receive the benefit of the their health insurance coverage to reduce the cost of medical services. Please know that the only real person that suffers when you do not use your health insurance coverage to pay for medical bills after an accident is you.

When you use your health insurance to pay the costs of medical care after a car accident, you reduce the amount of medical expenses that must be paid from your settlement. That means more money flows to you instead of to medical care providers. You may be obligated to reimburse the health insurer for the amounts they paid, but that amount will almost certainly be less that the amount that you would have been responsible to pay the medical care provider without the use of your health insurance. Your health insurance provider will almost certainly have a contractual agreement for the services that you have been provided and that contractual write-down amount will almost certainly be less than the amount that you are being billed. Take advantage of their agreement with the care providers and for the services that you have already paid for with your health insurance provider.

The real obstacle that most people run into with regard to use of their health insurance after an accident is whether the EMS ambulance service, emergency room, doctor, or other care provider will process payment against your health insurance when a third party is potentially responsible for your injuries.

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Navigating through a personal injury case can be difficult and full of traps. Maximizing your recovery after an accident requires more than establishing who is at fault and getting you treatment. If attention is not paid to important issues like health insurance payouts, it can cost you a lot of money. Your personal injury attorney at The Sessions Law Firm will help you through this process.