Once a physician has seen the injury caused by an accident, he/she should stand ready to help with recovery of the victim’s former good health. Of course, any doctor sends a bill to the patient that has received his/her services. How can victims pay such bills, if their expected compensation has not yet appeared in their mailbox?
Available coverage
Health insurance: The availability of health insurance would certainly prove beneficial to anyone that was receiving bills from doctors. A listing of those in that category could include someone that has enjoyed access to PIP, since there are limits to the extent of that particular coverage.
Personal Injury Lawyer in Scarborough understand how to handle subrogation of a client’s compensation or court-ordered judgment, in order to ensure reimbursement of a supplier of money for health care services. Yet consumers should know that some states prohibit inclusion of a subrogation clause in a health insurance policy.
Even someone living in a state with no-fault insurance might have reason to purchase health care insurance. Some people focus solely on payment of their medical costs, and do not concern themselves with the unfair nature of an injury’s possible effect on their chance for advancement in a given career.
Med-pay coverage: Someone that has purchased med-pay coverage might suffer an injury that created a bill of more than $10,000, during the period when the injured victim received the necessary treatment. Consequently, the money from med-pay could be used to cover the additional costs.
Exceptions to rule that the treated victim must pay the provider, whenever medical care has been received
No fault state: In a state with this system, the cost of any injuries to an insured driver would be covered by his/her own insurance policy. Physicians in such a state must understand how the system works.
Because insurance companies must cover doctor bills, the size of the doctor’s payment could get changed by means of negotiations between the physician and the insurance company.
Victim has med-pay insurance: As indicated above, med-pay covers the medical bills that are sent to the person that has purchased the med-pay option. Still, the amount of money paid out to cover medical expenses cannot exceed $10,000.
Worker’s compensation: Employers buy workers compensation insurance, in order to cover those situations where the employer/purchaser might be held liable for an injury to an employee.
The seller of such policies tends to grant compensation for short-term disability, without asking too many questions. On the other hand, that same seller of policies could require a disabled employee to meet more stringent requirements, if he or she were to seek financial coverage of all types of medical care during the length of a long-term disability.
