I was in a single car accident and transported a local hospital via ambulance for injuries I sustained. While there, I was asked for my health insurance card and paid my co-pay for an ER visit: $200 and another co-pay for another visit to my local Urgent Care. Shouldn't all my medical bills be submitted to my car insurance and not my healthcare insurance? I live in Nevada. I don't want to close the medical claim until I am sure I have received all the care I may need- including lost wages at work. How does this work?
You thinking is spot on, unfortunately it does not work that way. The good news is that your health insurance company may be reimbursed for your treatment after settlement. Your health care provider covers your medical bills, and then after you recover from the auto policy, you health insurance company is likely to seek reimbursement for the bills it paid out through subrogation. In addition if you have suffered a serious injury, your health care coverage may be over and above the auto policy.
You are definitely thinking along the right lines. In addition to what Mr. McKeand said, you may also want to consult with an experienced auto accident injury attorney to review the facts of the case and insure that you (and your medical providers) receive the proper compensation for injuries sustained in the accident. Best of luck.
Please have a discussion with your own insurance agent as well as with an attorney. You should use your medical insurance first, and your medical payments coverage from your personal auto policy as a gap-filler for co-pays, deductibles, and whatever health insurance won't cover (such as massage therapy). If you did not have medical payments coverage on your auto policy, then your own auto insurance company isn't going to pay for anything. If you were at fault for this accident, health insurance and auto med pay is all you are going to have available. There is no coverage for your time off work (unless you have a separate disability policy) or for your pain and suffering. If you were NOT at fault, then you will be making a claim against the policy of the person who caused the accident. That policy will reimburse your medical insurance company, and cover your lost time from work as well as pain and suffering. The layers of coverage are complex, and you really must consult with someone who understands these issues to make sure you aren't closing very important doors.
Responses are for general information purposes only, and are based on the extremely limited facts given. A consultation with an attorney experienced in the area of law(s) indicated in the question is highly recommended. Information and advice given here should not be relied upon for any final action or decision, as the information is limited by its nature to the question asked and the fact(s) presented in that question. THIS RESPONSE DOES NOT CREATE AN ATTORNEY/CLIENT RELATIONSHIP, particularly considering that the names of the parties are unknown.
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