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Q
Why should I use my health insurance to pay for my medical expenses if the accident was not my fault?

A

If you are injured in a car, truck or motorcycle accident due to the negligence of someone else, you would naturally expect the other person’s liability insurance to pay your medical bills.  The other person caused the wreck, so it only makes sense that their insurance company be responsible for compensating you for your injuries and other damages. 

 

The problem is that the other person’s insurance company is not going to pay any medical bills while you are treating.  The insurance company will only pay after your medical treatment is complete (and oftentimes they will refuse to pay for certain treatment which they feel was unnecessary).

Use Your Health Insurance or Face the Consequences

When you are hurt in an accident, you need to seek treatment as soon as possible.  If you have health insurance it is wise to use your health insurance to pay your medical bills as they are incurred.  If you are seriously injured in an accident, it is possible to incur thousands of dollars in medical expenses even with just the first emergency room visit. 

 

You already have a lot to deal with after an automobile accident— including receiving medical treatment, missing work and getting your damaged vehicle repaired.  It can make things a whole lot easier if you don’t have to worry about paying your medical bills while you are trying to recover from your injuries.  By using your health insurance, you can also help to prevent any medical bills from being sent to a collection agency and possibly causing you credit problems. 

In the long run, you will probably end up paying less for your medical treatment than if you were to pay back all your medical providers directly after your claim is settled.  Your health insurance company has a contractual agreement with your medical providers whereby the insurance company pays only a portion of the fee charged and the remainder of the fee is discounted. 

 

When your claim is finally settled, your health insurance company will probably ask for reimbursement (it’s called subrogation), then be paid for the back for the amounts that were actually paid to the medical provider.  This means that if you use your own health insurance,  that more of the settlement money at the end of the case will go directly to you rather than to all of your medical providers (due to them receiving the discounted amount from the health insurance company).

 

Other Articles You Might Be Interested In:

Why You Should Use Your Own Health Insurance After a Car Accident

Medical Liens and Subrogation

What To Do If Your Don't Have Health Insurance

Deadline For Filing Personal Injury Claims

Being Treated Unfairly by My Insurance Company

Mark A. Anderson
Board Certified Personal Injury Lawyer in Fort Worth, Texas