If you have been in a automobile accident in Atlanta and are hurt where you can not work, how do you obtain medical care for your injuries?
3 Ways To Obtain Medical Care Without Health Insurance
I. Medical Payments Coverage
Medical payment coverage is additional coverage you purchase with your automobile or car insurance. It provides payments for any medical care you need for your injuries after being involved in a car crash. The easiest way to obtain this information is to obtain your policy. Medical payments coverage is an additional coverage so all drivers may not carry medical payments coverage.
If you have medical payments coverage you want to find out what amount of coverage you have. We have seen the coverage range from as little as $500.00 to as much as $50,000.00. Most of the time the range is somewhere between $1,000.00 and $5,000.00. Regardless depending upon the nature of your injures this could afford you enough coverage to have your injuries looked at by a specialist and rule out serious long term damage as a result of your Atlanta car crash.
If you cannot find your policy you can contact your insurance company. It is recommended that you contact your insurance company and make a claim to protect you in case the at-fault driver’s insurance has lapsed or there is no coverage available. If that is the case you will want to use your uninsured motorist coverage which is covered in another article.
If you have difficulty obtaining this information feel free to contact our office at the number above and we will be happy to help you determine if you have this coverage through your automobile insurance policy.
II. Medical Liens
Medical liens are another way to obtain medical care from a medical doctor or specialist. A medical lien is a where a doctor or their office has you sign a lien instrument or document stating you understand no matter what the outcome of your Atlanta car or motorcycle accident claim, you owe them for medical care. In exchange they agree not to collect payment as you come in the office. In fact, they will bill your account and then once the claim has been resolved, you will need to pay them per your agreement or lien.
As you can probably understand, most doctors will NOT treat patients on a lien. Simply put most doctors can not afford to wait until the completion of your claim to receive payment. Also, there is always a chance that the doctor will not get paid at all, and that is not a very promising for a doctor. The reality is the doctor does not wish to share in the gamble that your claim may pay off down the road. Administratively, they have to have office staff keep up with the claims and constantly follow up with you or your attorney.
That said there still are some doctors who will treat on a lien, however you must get on the phone and do some leg work to make sure that they will. Often times the doctors will want to know that you are represented by an attorney. If they dot their I(s) and cross their T(s) the attorney could be obligated to pay them from the settlement and this increases the doctor’s odds of being paid for their medical services.
III. Georgia Charitable Care Network
The mission of the Georgia Charitable Care Network is to foster collaborative partnerships to deliver compassionate health care to low income Georgians. Our vision is to that all Georgians will have access to high quality health care. They have clinics all over the state. Just because they are charitable does not mean they are free. It costs them money to provide the services that they provide to Georgia indigent. So while it maybe a more cost effective alternative to no care, you should plan on paying something for the care you receive.
They provide services to people who would not be able to afford care due to no health insurance and limited income. Our hats go off to the Georgia Charitable Care Network as they serve an important function for the State of Georgia.
For more information on the locations of the clinics who participate in the network go to their website or call them at 678.553.4939.
Regardless of how you obtain care after an Atlanta car crash, you owe it to yourself and your family to seek out treatment timely. The biggest killer of a car crash claim is delay in treatment. So do not delay, get looked at rule out that you have a serious injury.
Ty Wilson is a car accident attorney in Savannah. Visit tywilsonlaw.com to order Ty’s FREE BOOK The Consumer Awareness Guide to Buying Car Insurance in Georgia.