DALLAS, Texas. If you’ve been in a car accident, you might be receiving unexpected medical bills in the mail. According to USA Today, the average family has less than $4,000 in savings, while over 57% of adults have less than $1,000 in savings to their names. This means that few families have enough money in the bank to cover most medical deductibles. For underinsured and uninsured Americans, unexpected medical costs can be financially devastating. According to U.S. News & World Report, approximately 20% of people with health insurance reported having problems paying medical bills. What can you do if you are facing medical bills after a car accident?
According to USA.gov, some families may qualify for CHIP which aids with the medical bills children and families might face if they cannot afford health insurance and if health insurance is not provided through work. If you are over age 65, have a disability, or have become disabled because of your car accident, you may qualify for Medicare.
If you receive a medical bill in the mail, call your health insurance company and ask why it hasn’t been covered. Many Americans are not fully aware of how their health insurance coverage works, how their deductibles work, and may not know what is and isn’t covered. According to heathcare.gov, the out of pocket maximum for a marketplace plan is $7,900 and $15,800 for a family. This is the maximum you should have to pay out of pocket in each year.
What if you don’t have health insurance? Individuals can call the hospital’s billing departing and explain the situation, asking if the billing department is willing to match their Medicare price for you. Often hospitals charge far less to Medicare than they would charge to an out-of-pocket patient or to a patient with private insurance.
It is also wise to read over every medical bill carefully and to ask about unexpected charges or mistakes. According to U.S. News & World Report, as many as 99% of medical bills contain errors. These errors could be costly.
Another way patients can reduce their bills is by sending proof of income to the hospital billing department. If you show that by sending the bill to collections the hospital won’t be able to get more money, you may be able to work out a payment plan that is fair and reasonable. Non-profit hospitals are also required to forgive some bills for low-income individuals.
Finally, if you have been hurt in a car accident due to the negligence or neglect of another person or party, you may be entitled to seek damages and compensation for your medical bills, rehabilitation expenses, lost wages, and pain and suffering. The Law Offices of Robert Gregg are personal injury lawyers in Dallas, Texas who may be able to help you seek compensation to cover your medical bills, either through a settlement with another driver’s insurance company or through a lawsuit if another driver was responsible for your injuries and subsequent bills. Don’t suffer alone under the weight of medical expenses. Reach out to the car accident lawyers at the Law Offices of Robert Gregg today.
Law Offices of Robert Gregg
2024 Commerce Street, Suite B,
Dallas, TX 75201