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If you have been injured in an accident, then you need medical treatment—and the bills can add up quickly. If it wasn’t your fault, you are probably hoping that you won’t have to pay anything out of pocket for your treatment. Figuring out who will pay for your bills can get a little tricky. Here’s what you need to know.
PIP Pays First
Utah auto insurance policies all include personal injury protection which is at minimum $3,000 available for those involved in an accident, whether that individual is at fault or not. As you know, $3,000 does not go far when it comes to medical bills and will probably be used up by an emergency room visit and ambulance ride alone.
Health Insurance Pays Second
If you have health insurance, whether it be private, Medicaid or Medicare, it will step up to pay once the PIP has been exhausted. You may have to pay for co-pays, deductible, etc. while the case is still open but you will be paid back for these through the lump sum of the settlement once the case settles. Once the case has settled and the at-fault party’s insurance pays, some of the settlement money will go to pay back the health insurance. They have what is called subrogation rights. The health insurance has a duty to pay but once the case is finished, they can seek reimbursement for medical payments made on your behalf. Since health insurance pays most bills to providers at a reduced rate and the providers accept this as payment in full, using health insurance for your treatment related to the accident is in your favor—it means more money in your pocket at the end of the case.
Liens Are Another Great Option
Liens allow you to get treatment for your injuries without having to pay anything out of pocket. If your PIP is exhausted and you do not have health insurance or have a high-deductible plan, provider liens are your next best option. A provider lien is an agreement between the provider, attorney and the client. It is a contract that says that the provider will wait to be paid until the case is over and will then be paid from the settlement money. The attorney agrees to make sure the provider is paid and will not give money to the client until the provider is paid. The provider agrees to wait for payment until the case settles and the third-party insurance pays. Not all providers agree to a lien, however, and if that is the case, you may need to set up a payment plan while the case is open.
You Don’t Have to Figure It Out on Your Own
The Advocates have staff members who specialize in medical bills and liens. Their only job is helping you get your medical bills paid. They can walk you through every step. Additionally, the Advocates try to get money in your pocket for your pain and suffering so you will get more out of your case than just getting your medical bills paid. Why don’t you give them a call today? You’ve got nothing to lose and everything to gain.
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