If you have been injured by someone else’s negligence, you may be feeling overwhelmed by questions about who will pay for all of your medical treatment.
That’s entirely normal because it is complicated and expensive. The last thing you want is to be injured and be in debt for unpaid medical bills.
Part of what we do for our personal injury clients is figure out how the medical bills will be paid. We want our clients to focus on their treatment and on getting better, not stressing about how to pay for it – or worse, not getting the treatment they need.
Many of our clients are surprised to learn that we do not ask the negligent person’s insurance company to pay for the medical bills at the time of treatment. Instead, we look to the insurance company for payment at the end of the case as part of an overall settlement for all damages, including the medical expense, lost wages, pain and suffering, and any permanent disability.
In the meantime, we will evaluate other insurance coverage for the medical bills. This could be a private health insurer (such as Blue Cross Blue Shield of Vermont), Vermont Medicaid, or medical payments coverage under your own auto policy.
If the medical bills are paid by another entity, or remain unpaid, we’ll make sure to get all claims for reimbursement or payment resolved at the time of settlement.
If you have private health insurance and have suffered a personal injury, especially if you have been in a motor vehicle crash, you may receive a letter like the following from your health insurer. The following letter is what is typically sent out by Blue Cross Blue Shield of Vermont to its insureds after they’ve been injured in a crash.