Medical Liens and Health Insurance Subrogation
If you have been seriously injured in a car accident, chances are you are going to accumulate a lot of medical bills. Depending on the type of healthcare coverage that you have, many medical providers have a legal right to be reimbursed from your settlement.
Here are the most common types of medical interests that may seek reimbursement from your claim:
- Medicare or Medicaid
- Private health insurance
- Liens filed by hospitals or medical doctors
If you have Medicare or Medicaid, federal law mandates reimbursement for any medical treatment that is related to your accident injuries. If you have Medicare or Medicaid and you are pursuing an accident injury claim, it is very important for you to seek help from an attorney before it comes time to settle your claim. It can take a long time to deal with these entities, especially Medicare.
You should not just trust the insurance company to communicate with Medicare or Medicaid, as the insurance adjuster will not cut you a settlement check until the healthcare lien is paid back. Sometimes erroneous charges are mistakenly included in the payback amount, and without an attorney to make sure everything is accurate, you can lose money that you’re rightfully entitled to.
Private health insurance companies can have a subrogation or reimbursement interest in your claim as well. Depending on the type of insurance plan you have, you may or may not be required to pay back your health insurance company for treatment paid for your accident injuries. You shouldn’t trust the insurance company to deal directly with these types of reimbursement requests either, as they will not even bother to see if the request is valid or not.
A hospital or a medical doctor can file a lien against your settlement as well. This happens all the time in the emergency room when someone comes in for treatment after a car accident. The hospital administration uses special coding to identify injuries from a car accident, then files a lien to ensure that you cannot receive settlement for your claim until the hospital bill is paid off. Even the doctors you see after the emergency room can file a lien. Many doctors have you sign a lot of paperwork, and you may sign off on a medical lien without even realizing it.
If you have an experienced attorney representing you for your injury claim, he or she will do whatever it takes to get you the best settlement possible. This includes negotiating with lien-holders to get them to reduce their lien amount, as well as investigating the validity of liens and subrogation claims.
Ty Wilson is a Savannah car wreck attorney who always provides FREE information about Georgia personal injury claims. He has a ton of information available on his website www.tywilsonlaw.com and FREE books available for download or by mail. Before you hire an attorney, speak to the insurance adjuster or sign any forms relating to your Savannah car accident, check out the information Ty has available. You’ll be glad you did.
Be informed. Be aware. Be prepared.