Auto Accident Lawyer
Being in a car accident can bring with it some serious injuries, but in many cases, your insurance coverage will kick in to pay the cost. What if you don’t have medical insurance? What should you do? The following are a few options for paying those medical bills without medical insurance.
A Lawsuit Settlement
If another party was at fault for your accident, you may be owed compensation for your injuries. You can sue the responsible party to recover medical costs, but keep in mind it could take a while. More than likely, you’ll need to implement one or more of the next suggestions while you’re waiting for your lawsuit to conclude and your settlement to be acquired.
No Fault Car Insurance
You may not have medical insurance, but hopefully you have auto insurance if you are operating a vehicle. Some states have something called Personal Injury Protection, which is a no-fault car insurance plan. This coverage steps in to pay for some of your medical bills, regardless of who caused the accident to begin with.
Some car insurance policies carry something called med pay coverage. This allows the injured individual a certain amount of coverage up to a cut off amount if the at-fault party is insured. If your bills exceed what med pay covers, you will need to find a way to pay the rest.
If you meet the requirements and qualify for Medicaid, you may be able to get your medical bills paid that way. This is a federally-funded program that provides assistance to lower-income individuals and families. In most cases, you’ll need to provide proof that you have no other way to pay your medical bills before Medicaid becomes an option, so be prepared with that.
Speak with your medical providers about payment options. Some may offer a discount when you pay in full at the time of your appointment. Others could put you on a payment plan that doesn’t accrue interest for a specified period of time. Another provider might give a discount each time you make a cash payment. There are typically options out there, and many providers are willing to work with individuals who are having a hard time getting their bills paid if the patients are willing to take the time to ask and work it out.
Getting Help From Your Lawyer
Whether you have medical insurance or not, you could benefit from the help of a car accident lawyer, like an auto accident lawyer in Indianapolis, IN. Contact your attorney today to learn what to do.
More info at Car Accident Law Firm Indianapolis.