Why Can’t I Use My Health Insurance To Pay Medical Bills After A Car Accident?

Personal Injury Attorney, Ben Schwartz, answers a viewer question: “Why can’t I use my health insurance to pay medical bills after a car accident.”

Why Can’t I Use My Health Insurance To Pay Medical Bills After A Car Accident?

Hi, I’m Attorney Ben Schwartz,

Today we are going to answer a frequently asked question that comes after a car accident with personal injuries. The question is, “I went to the doctor, I tried to use my health insurance to pay for my medical treatment resulting from the car accident and my doctor’s office says they cannot bill my health insurance. Is that right?” The answer is, sometimes yes and sometimes no.

Generally speaking, your health insurance is required to pay for your medical care, even if it is from a car accident. Most health insurances are either going to be what is called a payer of last resort, or they are going to have something in their health insurance policy that says that if it is from a car accident, they do not have to pay until you first exhaust other insurance coverage that would be required to pay. I will give you an example of that. Let’s say you are driving a car that is registered and insured in the state of Delaware. The state of Delaware, for example, mandates that you carry a minimum of $15,000 in what is called personal injury protection on your auto insurance. That personal injury protection coverage is required to pay for your medical care and treatment after a car accident. So, your health insurance may be required to pay for your medical bills after a car accident, but only after the personal injury protection on your auto insurance pays and exhausts.

There are times when health insurance is not required to pay, but generally speaking, it is required to pay. You need to figure out what you have to do to trigger the health insurer’s obligation to pay. Do you have to prove you have that your personal injury protection exhausted, or do you have to prove something else? It is going to be (written) in the health insurance policy what you have to do in order to trigger the health insurance coverage.

If you have a situation where a doctor’s office is refusing to see you and refusing to bill your health insurance, because the treatment is required due to injuries from a car accident, that is a situation where you really need to talk to a personal injury attorney that knows the ins-and-outs of helping people get the medical treatment they need after automobile accidents. This attorney is someone that you need to find in your jurisdiction.

If you are watching this in Delaware, Maryland, Pennsylvania or New Jersey, the lawyers in my office handle car accident cases in those Mid-Atlantic States. If you are in North Dakota, we would not be able to help you, but we could get you connected with a personal injury attorney that knows the ins-and-outs in that area.

Please send me an email below if you have questions like this that I can answer in a video format on our video blog. I hope that by watching this video, you found it to be informative and interesting. Hopefully it will help somebody out there. If for no other reason, than to help educate the general public so that you know your legal rights and you know a little bit more about how things work then you did before you watched the video. Thanks for watching, I am Attorney Ben Schwartz.

Why Can’t I Use My Health Insurance To Pay Medical Bills After A Car Accident?

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