Health Insurance and Automobile Accidents

Health Insurance and Automobile Accidents

Clients frequently ask how their bills will be paid throughout their medical treatment following an automobile accident. As previously discussed in our blog posts, medical payments coverage will pay for medical expenses throughout your treatment following an automobile accident, whether you are at-fault or not. Another way to get your bills paid throughout the treatment process is through your own health insurance. Our goal is to utilize all other payment options before having to pay for any treatment out of your pocket.

With health insurance, there is a chance of Subrogation depending on the language in your health plan or if it is a self-funded ERISA plan. All self-funded ERISA plans must be reimbursed from the settlement proceeds. Certain health plans stipulate in the details that if you are part of a third-party liability claim (car accident for example) that the health plan has a right of reimbursement. If your health plan does require reimbursement you have to realize that your health plan likely paid significantly less than the gross bill. For example, if you have a doctor’s bill for $1,000.00, your health insurance plan likely pays $300.00 and write’s off the majority of the balance. If you are required to reimburse your plan, you are responsible for the $300.00 and not the gross bill of $1,000.00. So you have saved yourself $700.00 that you would owe otherwise. If you have insurance, use it!

If you have been injured in an automobile accident, call 706-353-7722 for a free consultation with an experienced attorney, Joseph E. Lariscy. Mr. Lariscy has been practicing in the greater Athens area for more than 30 years and he fights to get the best settlement for your case.