Pitfalls to Getting Your Hospital Bills Paid After an Automobile Accident

Following an automobile accident, you or a loved one are typically taken or go to an emergency room.  The hospital is willing to treat you but wants to get paid as much as it can for the bill.  Even though someone else caused your accident and should be responsible for your bills, rest assured that the other guy’s insurance company won’t pay the hospital’s bills right away.  The hospital will ask you if you have health insurance or your own automobile insurance coverage and will ask you to provide your insurance information.  The hospital wants to bill your automobile insurance first because it pays 100% of their bill up to the coverage limit.  Your health insurance, Medicare or Medicaid will only pay a percentage of the bill (20-40%) depending on the contract your health insurance carrier has with the hospital or doctor.   If or when this happens to you, only give the hospital your health insurance information, NOT your automobile insurance information.  Save your automobile medical payments coverage for deductibles or co-pays.  This makes your health care dollar go further and helps you to pay all of your medical bills from an accident.  Remember, do not give your automobile insurance information to the hospital, only give your health insurance information and insist that the hospital submit your bills to YOUR health insurance.  Later in your case the at fault party will be required to pay your medical expenses (provided you effectively prove that the other driver was at fault and your treatment was reasonable and necessary to treat injuries caused by the at fault party).   At that point your health insurer will be reimbursed what it paid on your medical expenses from the proceeds of your case.  This is through the process of subrogation which subject will be dealt with in subsequent NRS Injury Law blogs.   You should also feel free to contact us at any time with any questions.   Please contact an NRS attorney toll free at 1-(855) Got-Hurt or 1-(855) 468-4878.  - See more at: https://nrsinjurylaw.wpengine.com/blog/pitfalls-to-getting-your-hospital-bills-paid-after-an-automobile-accident/#sthash.oPodqD3R.dpuf