When one of our clients suffer a compensable injury, whether workers’ compensation of personal injury, it can have a devastating effect on financial security. Insurance for medical bills is critical. A serious injury often means you cannot work for some period of time, and may even mean that you lose your job entirely. Many people wonder if there is any insurance for medical bills after an injury. It depends.
The last thing an injured person needs to be worried about is mounting bills. Recovering from an injury is hard work, and requires significant motivation and determination. Recovery needs to be the sole focus. But that is not reality. Whether we like it or not, money matters. Constant worrying about finances can affect a person’s ability to cope with, and ultimately recover from, their injury. You can’t have concerns about insurance for medical bills prevent you from seeking treatment you need.
Insurance for medical bills is confusing. Even if you know there is some insurance, it is critical you understand the various interplay of insurance policies. Expert coordination of insurance is critical to maximize recovery. Health insurance, car insurance, homeowner’s insurance, workers’ compensation, and others can be in play in any given situation. If you try to “do it yourself” you will likely end with far less than you would with the help of an attorney, and you may not even realize it.
There are a number of possible sources for insurance for medical bills, depending on the nature of your injury. The first source I always ask about for insurance for medical bills is health insurance. Everyone should have health insurance for medical bills, but I understand it can be costly. Many of my clients do not have health insurance, so it is critical that I find other insurance for medical bills for my clients.
There are many different types of health insurance coverages, but some of the main sources I see are as follows (not exclusive list):
- Medicaid – State run health insurance based on income and assets.
- Medicare – Federal health insurance typically available to those over the age of 65, or disabled within the definition of the Social Security Administration
- Private Montana Health Insurance – health insurance policies available for purchase within the state of Montana, and governed by Montana law. May also be a policy through an employer
- Private Federal Health Insurance – health insurance, typically through an employer, governed by ERISA federal insurance law.
Depending on the type of health insurance, it may be best for the client to submit all medical bills to the health insurer, regardless of whether there is other insurance. This is a very complicated area of law that should not be attempted without an attorney, but can also save a ton of money depending on the circumstances.
Whether or not a client has health insurance, our job at Duckworth Law is to find other insurance for your medical bills, lost wages, and other damages. Health insurance only covers medical bill at most, but people who are injured have other damages that include lost wages, pain and suffering, lost enjoyment of life, loss of consortium, and other general damages. Available insurance depends on the facts of the case.
Specific Types of Insurance for Medical Bills and Other Damages
If you are injured at work, workers’ compensation insurance may apply. If you are injured in a car accident, the following insurance may apply:
- Medical Payments Coverage
- Liability Coverage
- Property Damage Liability
- Collision and Comprehensive Coverage
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
For other cases, such as a premises liability policy or construction accident, there may be applicable homeowner’s coverage or commercial general liability (CGL) coverage. All of these sources are possible insurance for medical bills, but it typically takes an experienced lawyer to discover, and coordinate, various coverages.
It is Critical to Immediately Identify Insurance for Medical Bills after an Injury
In order to maximize your recovery, insurance coverage must be recognized immediately after the incident. If not, sometimes it is too late. I have had people come to me when it’s too late. Premature settlement, or allowing one insurer to pay when another should be paying, can have irreversible and devastating effects. Your financial security is too important to take a risk. At least make the call to a lawyer before it’s too late. Duckworth Law offers free consultations, and please contact our office if you would like to discuss you claim.