How Much Does Medical Care Cost In My Personal Injury Case?

Health care providers (Hospitals, Doctors, etc.) do charge different amounts depending on the means of payment. In fact, hospitals accept one amount from your health insurance carrier but require a different amount from your auto insurance carrier.

This may seem and can be very confusing for someone handling their auto accident claim. It usually occurs in the situation where someone is taken by ambulance or seeks treatment at an emergency room following an accident. At the hospital, several important and necessary tests are done to ensure the injuries are diagnosed properly.

The hospital receives both your auto and health insurance information for billing but under Florida law, the hospital is only permitted to charge a certain amount to your auto insurance carrier. Interestingly, this amount can and often is much more than your health insurance carrier would have to pay the hospital for the same services.

Will My Personal Injury Protection Insurance Cover My Medical Bills?

As you may know, your auto insurance personal injury protection coverage normally pays only 80% of the approved amount. Therefore, you may have an outstanding bill from the hospital after your auto insurance has paid. Luckily, if you have the hospital submit this outstanding charge to your health insurance, your health insurance contract rate may be less than the hospital has already received and your outstanding charge may be waived.

This can also be a concern for someone who requires additional medical care following the hospital visit. Many doctors will not treat those involved in auto accidents due to the complexities of auto insurance billing requirements. Therefore, you may be in a position where you have to submit everything to your health insurance for payment and health insurance carriers will require repayment from your financial settlement.

Who Can Help Make Sure Your Medical Bills Get Paid?

At the Lowman Law Firm. We do not abandon our clients once the financial settlement is reached. We work hard to secure the highest possible settlement for our clients and then we work to reduce any bills incurred through the various hospitals and doctors offices. This means our clients receive more money at the conclusion of the case.

If you or someone you know has been involved in an auto accident, call us today. We provide home and hospital visits immediately and will discuss with you all aspects of your claim. The call and consultation are always free. Do not hesitate.