Truck accidents are often the most detrimental and expensive events that can happen to an individual. After an accident, many individuals face financial hardships that are mostly due to medical bills. Here are ways to reduce medical bills after truck accidents.
Find out if You’re Eligible for Medicaid
You can contact your local Medicaid office to determine if you qualify for Medicaid following a truck accident. If you qualify, Medicaid will cover your medical bills and you may even have some of your past medical bills paid for as well. Medicaid is a government-funded, state-run program that gives health insurance to individuals who are financially struggling.
Negotiate Costs with Health Care Providers
A number of hospitals and doctors may be willing to agree to a payment plan or give you an option to enter into a “hold agreement”. With a hold agreement, your provider will not turn your account over to collections as long as you agree to pay your medical bills as soon as your claim is ironed out. When doctors have experience with treating accident victims, they understand the financial detriments they face and are willing to work with you regarding your medical bills. An experienced Bradenton auto accident attorney usually has relationships with medical professionals and can refer you to them.
Use Health Insurance
You can use health insurance to cover some of the costs, but you must notify your health insurance company that some of the bills coming in are related to a vehicle accident. Keep in mind that most health insurance companies have a subrogation clause. This means that if you are owed money in relation to reimbursement of medical costs, your health insurance company has the rights to that money to recoup their expenses. A car accident attorney in Bradenton has the experience to help you understand how to deal with your health insurance company.
One of the primary things that a Bradenton automobile accident attorney will check is if your injury is work related. If you suffered injuries on the job, you potentially have a case against the third party and you may also have a worker’s compensation claim. Worker’s compensation is the primary payer if you were injured on the job. It is the first insurance to handle medical bills associated with your injuries. If this is the case then the worker’s compensation insurance must be notified and you will need to be given a claim number. From there, all of your bills will be sent directly to them.
PIP is a coverage that is included in your auto insurance policy and is first in line to pay for medical bills that resulted from an injury. The charges are paid by the PIP coverage and then the initial payments are reimbursed later by the insurance company of the at-fault individual. It’s best to consult with a motorcycle accident attorney in Bradenton who will help you navigate through the process.
Speak with an Attorney
An auto accident lawyer in Bradenton, FL, who often handles truck accident cases may be able to find medical financing that can pay for some or even all of your medical bills until you obtain a judgment or settlement. The attorney can also keep abreast of the costs associated with your losses and injuries so they can develop a comprehensive illustration of what you deserve to be compensated.
If you were injured in a truck accident and would like to learn more about receiving the compensation you deserve, give the legal team at Erjavec Injury Law a call.