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How Do I Pay Medical Bills After Sustaining An Injury

When you are injured and seeking liability compensation, your medical needs don’t stop to wait for the settlement of your claim. It is imperative that you seek medical attention for your injuries in order to properly document them. However, the unfortunate consequence is a pile up medical bills that require payment. When trying to determine how to pay these expenses, there are several options for consideration.

Medical Insurance

If you are fortunate enough to have medical insurance, your insurance company can pay your medical bills while you wait for settlement of your claim. This is generally the fastest way to achieve payment. If you receive Medicaid or Medicare insurance, payment through one or both of them may also prove a viable option.

It is important to note that any payments made by an insurance company are reimbursable after settlement of the personal injury claim. This includes payments by Medicaid or Medicare. For this reason, it’s vitally important that you keep track of all payments made on your behalf.

Out of Pocket

If you are not fortunate enough to have medical insurance, you may have no choice but to pay your medical bills out of pocket. This can prove extremely expensive, especially for intense or ongoing injuries. Speak with the your medical providers about the possibility of a monthly payment plan or reduced service fees. Inform them about your pending claim and explore what other options you may have for deferred payment once your claim is settled.

A Hold Agreement

If you find yourself unable to pay your medical expenses, ask the medical providers for a hold agreement. Under this arrangement, the provider agrees to refrain from notifying the credit agencies about your unpaid bills until your claim is settled. This provides a bit of comfort by protecting your financial well being, at least momentarily.

Personal Injury Loans

Personal injury loans are becoming increasingly popular for injured parties to pay their medical costs, along with everyday expenses. These options are also referred to as lawsuit advances or pre-settlement funding. While the application process is relatively simple, approval requires cooperation from your attorney and many see this is a breach of attorney-client privilege. Exorbitant interest rates also add to potential problems with these loans.

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