Many personal injury victims fail to obtain prompt and thorough medical care after being injured because they are concerned about the costs. We have found this to be true even for people with health insurance. May people worry about the burden of high deductible costs or co-pays. It is important to know that you have several options to pay for your medical care when your injury was caused by the carelessness of another. This is true whether you have health insurance or not.
Individuals with health insurance who would be financially burdened by their co-pays or deductibles, or those who do not have health insurance, can often work with medical providers who will agree to accept payment for their services once you have settled or otherwise resolved your personal injury case. Also, many people have a type of insurance coverage called “Personal Injury Protection” (PIP) or “Medical Payments Coverage” (MedPay), which are more thoroughly discussed on our insurance coverages page. In some instances, PIP or MedPay can be useful tools to help you pay for your medical treatment after an injury.
If you have been injured, and are interested in learning more about your options for obtaining medical care for your injuries, you should call a personal injury lawyer. There are important pros and cons associated with your options for receiving medical care, and you should understand them fully as soon after a personal injury event as possible.