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How do I pay for my medical bills after a car wreck

30 Jul 2020

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.


Med Pay

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.

 

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Brandon and his team at Osterbind Law are truly peerless. This is exactly how a modern personal injury firm should operate. The firm is holistic in its approach and thoughtful. It's no wonder why they get such great results for their clients. And no surprise, their clients love them. I've had the pleasure of working with Brandon on a professional level and he levels up, big time. Kudos.
Nathaniel Amendola
3 months ago

Very compassionate and knowledgeable people who helped us with our situation. They worked quickly and I can’t tell you how grateful I’m they were so caring. I would recommend this firm to anyone that anyone
Lori Rudder
a year ago

The entire team at Osterbind Law are incredible. They communicated with us with every step and process that was happening . They provided the knowledge, support, and empathy to us on the case. And when the curve ball was thrown, they dug in deeper. I have nothing but the highest respect for Brandon and Hannah and the entire team. They made us feel more like a family, than a client.
Wendy Shull
a year ago

The staff is caring and very knowledgeable. They help you as quickly as possible, and worked very hard for us. I'm so pleased with the way they assisted us.
Meghan Rudder
a year ago

Brandon and his team did a great job helping me through my case. I'm so glad I chose him and stuck with him through the transition to his own firm. The staff is very knowledgeable and friendly. They feel like family after all this! Thank you for everything!!Amber J
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2 year ago
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