University researchers have found that a trip to the emergency room can result in hospital charges 10 times as high as the Medicare rates authorized for the same services. According to the US Department of Justice, around 400,000 personal injury cases are brought each year, with over half as a result of being involved in a motor vehicle accident.
Many of these accidents leave victims in need of urgent medical care but, at the same time, uncertain of how the hospital costs will be settled. By understanding the importance of insurance policies and how they are implemented, as well as getting help with negotiating with the hospital, patients can spend less time worrying about hospital bills and focus more on successful recuperation.
Ensuring Fair Hospital Charges
Hospitals are required to treat people who have been in an accident, but in order to guarantee they get paid for their services, they can file a hospital lien that gives them the right to be paid first from any settlement received from the at-fault party. In Texas, hospitals have had the right to make this claim for the past 30 years, and if treatment is as a result of a car accident, they are more reluctant to submit medical bills to the health insurance company.
However, if a lien is filed promptly, it can delay insurance payments, and many patients complain that hospitals then take advantage by overcharging for treatment. A personal injury lawyer can help patients negotiate with the hospital to ensure that patients payments are only taken from their insurance policy instead.
Health Insurance To Cover Costs Of Care
Where health insurance policies are in place, hospitals should make a claim with them. In the case of traffic accident victims, any costs incurred for treatment of their injuries are covered by their insurance, including room rental, doctors fees, diagnostic tests, and charges for treatment in ICU.
Having adequate health insurance can give patients peace of mind, knowing that medical providers are required to use it because of contracts with insurance companies, and the charges are usually far less.
Paying Medical Bills Through No Fault Car Insurance
According to the CDC, over 30 million people under the age of 65 are uninsured. For anyone without health insurance who is involved in a car accident that wasn’t their fault, their medical bills should be paid through the negligent driver’s policy.
There are also at least 12 states with no-fault car insurance laws, which require drivers to include personal injury protection in their car insurance policies. This means that regardless of who was at fault in a car accident, accident victims can make a claim on their own policy for at least some of their medical bills.
Needing urgent medical care can be overwhelming, and in addition to being in pain and feeling ill, many patients are also anxious about how their treatment will be paid for. By being aware of insurance requirements and taking expert advice on negotiating fair costs, patients can concentrate on their recovery rather than worrying about mounting hospital bills.