While a lawsuit is in progress, medical bills can be paid through health insurance, payment plans, lien agreements, and MedPay coverage. However, knowing you have options doesn’t always make your financial stress go away.
You might have a hard time prioritizing your physical, mental, and emotional recovery when the thought of how you’ll pay your debt is looming in the back of your mind. Thankfully, this is where a law firm with experience handling personal injury cases comes into play.
With a Charlotte personal injury lawyer by your side, you can focus on healing while your attorney tackles the legal side of things. Let’s take a closer look at your options when it comes to paying medical bills while you’re waiting for your lawsuit to settle.
What Happens to Your Medical Bills After You Get Into an Accident?
In the aftermath of an incident that leaves you injured, the costs of medical care can start piling up quickly. From emergency care to follow-up visits, you might have to undergo surgical procedures or receive ongoing treatments, such as physical therapy.
For victims of accidents, your bills are likely piling up, and your total balance will keep increasing as you continue to receive professional care. This can feel overwhelming in general, especially if the accident wasn’t your fault and you don’t know how you’ll repay your new debt.
However, there’s a way through this situation, and you are not alone. To better answer the question, “How are medical bills paid while my case is pending?” let’s explore the parties who might be responsible for paying for the professional care you’re receiving.
For a free legal consultation, call (877) 333-1000
Who Is Responsible for Medical Bills While a Lawsuit Is Pending?
When a personal injury lawsuit is in progress, the responsibility for covering medical bills typically falls on the injured party. Even if you are not at fault, healthcare providers expect payment for their services, and you are likely their main point of contact.
While compensation from a settlement or court award is designed to reimburse you for these costs, it can take a long time to resolve a lawsuit—sometimes even months or years. During this period, it’s important to explore strategies that can help you manage your bills.
In some cases, options like health insurance, medical payment coverage, or personal savings can help you bridge the gap between now and when the lawsuit is finalized. In some instances, healthcare providers might even agree to defer your payments until a settlement is reached.
Options Available to Victims Who Need Help Covering Medical Bills While a Lawsuit Is Pending
Before hiring an attorney, you might be wondering, “Can a lawyer help lower your medical bills?” In many cases, your legal counsel will look closely at your options and help you understand which plan of action leads to a more affordable outcome for you.
Let’s take a closer look at the strategies we mentioned earlier and how they can help you manage your bills while your lawsuit is pending.
Health Insurance
Your health insurance is often the first line of defense when you need to cover your medical bills. Whether you have private insurance or you’re covered by Medicaid or Medicare, your provider might be willing to pay for your treatment upfront.
However, keep in mind that health insurers typically expect you to reimburse them with money from your settlement. This is carried out via a process called subrogation, and your attorney can provide you with more information as to how this works, if applicable.
Medical Payment (MedPay) Coverage
If you have MedPay medical payments coverage as part of your auto insurance policy, your coverage might be able to help you pay for your medical expenses, no matter who was at fault. MedPay is especially helpful because it kicks in quickly, so you can access care without having to wait for a settlement.
Payment Plans or Medical Liens
Many healthcare providers are willing to set up payment plans or accept medical liens from victims of accidents. A lien is an agreement that you make with your provider to delay payment until your case is resolved.
Once you receive your settlement, the lien ensures the provider is paid directly from your compensation.
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What Role do Insurance Companies Play in the Process of Paying Medical Bills?
Insurance companies are often critical players in the process of covering medical expenses after an accident. However, they do not often act with your interests in mind, so it’s important to speak with a lawyer who can advocate for you in the face of pressure from insurers.
Facing Challenges Caused by Adjusters
Insurance adjusters frequently contact victims soon after an accident to encourage them to accept low settlement offers. They might even discourage you from hiring a lawyer under the guise of keeping matters simple and not involving the law.
At the end of the day, the primary goal of insurance companies is to save as much money as possible. In turn, victims like you end up in positions where you might be unfairly compensated. Don’t let the insurance company take you for a ride—contact our law firm for legal support.
Negotiating With Insurance Companies
We can handle negotiations with insurance companies on your behalf. Not only do we understand the tactics that insurers use when speaking with personal injury victims, but we also know how to push for a settlement that accurately reflects the extent of your damages.
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Speak With a Charlotte Personal Injury Attorney to Pursue Compensation
The amount of money that piles up in the form of medical bills during a personal injury lawsuit can be terrifying, but you don’t have to face your financial stress alone.
At DeMayo Law Offices, we’re here to represent victims like you throughout the legal process.
From investigating claims to negotiating settlements, we prioritize making sure insurance providers don’t take advantage of you in your time of need. Our team recognizes that personal injury victims are in a vulnerable position, and we are passionate about protecting your rights.
Not only do we genuinely care about you and the outcome of your case, but we also believe a right without a remedy is just a suggestion™. That’s why we do all we can to seek justice on your behalf.
Call us as soon as possible for more insight into how we can help you.
Call or text (877) 333-1000 or complete a Free Case Evaluation form
