After a Car Wreck, How Will My Medical Bills be Paid
I’ve been injured due to the negligence of another party and I’m incurring significant medical expenses. How will my medical bills be handled?
The Role of Health InsuranceIt depends. If you have private health insurance or if you qualify for Medicare or Medicaid, you should see if your healthcare provider will submit the medical bills to your health insurance company, or to Medicare or Medicaid. If you do not have any health insurance and you do not qualify for Medicare or Medicaid, your healthcare providers may require that you sign documents assigning an interest to your benefits under your no fault automobile insurance, Personal Injury Protection (PIP) or Medical Payments coverage. Generally speaking a hospital emergency room may not refuse to treat you for emergency medical care on the grounds that you have no ability to pay for services.
. Will I be required to reimburse my health insurance?It depends on the language contained in the contract of health insurance that was issued to you. It is quite common for health insurance companies to have what is known as "subrogation" clauses. Some of these can be quite onerous. In the most general terms these clauses purport to require the injured individual to pay back the health insurance company for any expenses the health insurance company paid on account of the accident.