How do I pay for my medical bills after a car wreck
If you have been injured in a car accident and you have medical bills that are starting to pile up, a lot of people ask, “How do I pay for my medical bills?” At this point, we always tell people to submit your medical bills to your health insurance.
Medical Expense Payments Coverage
If you do not have insurance, then you should look to your car insurance to see if you have what is called medical expense payments coverage. Medical expense payments coverage will pay for some of your medical bills depending on the type of coverage you have.
A lot of times we will see car policies will have $2,000 in medical coverage or $5,000 or $10,000 in medical coverage. The amazing thing about these medical payment coverage lines is that you can stack them for every car that you have on that policy. For example, if you have four cars on a car insurance policy and you have a $2,000 limit on your med pay, then you can have $8,000 in coverage for your medical bills.
You can still make a claim for your med pay even if you have health insurance. Your med pay will pay for whatever your health insurance pays and whatever you are required to pay for out of pocket. Med pay is not required to pay for whatever adjustments your health insurance gets with your healthcare provider. You have the amount that your health insurance is actually going to pay, what they allow, what they adjust down and then the patient’s responsibility. Med pay will not pay for the adjustment, but it will pay for everything else.
We always advise our clients to make a med pay claim on their car insurance. If you do not have med pay on your car insurance, go get it now. The price for medical expense payments coverage is minimal compared to the price of everything else in your car insurance. I recommend it to everyone. Get a $10,000 or $20,000 limit, depending on what you can afford with your premium. And for every car that you have, you can stack one on top of the other.