Medical BillsAnyone who has ever been involved in a car accident knows how financially devastating medical bills can be. Even those involved in a minor collision can incur thousands of dollars in medical bills, and for someone who has been seriously injured, the huge bills can be life changing.
Medical bills are the number one cause of bankruptcy in U.S. Many Americans do not have health insurance coverage, and many who are covered have impossibly high deductibles. Here are few tips to help you deal with high medical bills that may have been the result of an accident, injury or illness.
1) Before undergoing a medical procedure, make sure all of the doctors involved are in your health insurance network.
Anyone who has been the victim of a car accident knows how many medical bills can start piling up right away. There are bills for the physician who treats you in the emergency room, and there are bills for the radiologist who interprets your x-rays. If you undergo surgery, there is an anesthesiologist and other physicians assisting your doctor. If you know you are going to undergo a serious procedure, make sure all of the medical providers involved are part of your health insurance network, so you are not stuck with huge out of pocket expenses.
2) Don’t be afraid to talk with your medical provider about the best way to handle your bill.
If you don’t have health insurance, you might be eligible to receive a discount on your hospital bill. After all, health insurance companies have contractual agreements with medical providers that allow them to pay only a portion of a bill. Frequently, some type of discount is usually available to people who don’t have the luxury of health insurance. Additionally, many hospitals and other medical providers are open to arranging on a payment plan, so that you can make small monthly payments toward your bills. Many times, if you keep up with your payments, this keeps the outstanding bill from negatively affecting your credit.
3) When you can, get generic prescriptions.
Generic prescriptions are frequently less expensive than their brand-name counterparts. People who are covered by health insurance and those who are not usually both benefit by receiving generic drugs. Additionally, many pharmacies and drug companies have discount programs available to people who cannot afford their medication.
Medical bills stack up very quickly, especially for people injured in a serious auto accident. If you were hurt as the result of someone else’s negligence, you should contact a Savannah injury attorney right away to help you obtain compensation for your medical bills and pain and suffering.