Personal Injury – What to Do If You Have Private Health Insurance

Personal Injury - What to Do If You Have Private Health Insurance

If you might be hurt automobile accident, need medical assistance, and still have your health insurance, that insurance may cover the cost of your treatment. Upon seeking treatment, your normal health insurance will take care of up to is mandated by your policy. Arizona case law dictates that these plans might not exactly assert a lien (a kind of security interest or legal state they then recoup the amount of money spent on you) in your case or seek subrogation to extract for medical costs paid for providers in your behalf. However, you continue to result in your entire co-pays as well as any extra costs your primary medical insurance won’t cover.

If you’re fortunate to possess auto insurance with medical payments benefits or MedPay coverage, you can anticipate your insurance company to cover part of the medical bills around the limit of your coverage. MedPay is often a no-fault insurance policy that covers your medical costs regardless of who is at fault for the accident. MedPay may be used as the primary insurance to pay for your medical expenses (unless you have medical insurance) as well as to supplement your primary health insurance.

If you don’t have medical insurance, MedPay provides one major benefit: you don’t generally should wait until you settle with all the alternative party insurance company to pay your medical expenses or to cover your co-pays. Therefore, even before you get any kind settlement from the defendant’s automobile insurance, your out-of-pocket costs should be course, regardless of whether MedPay will take care of all or a majority of your medical expenses depends on your coverage limit.

Depending on the circumstances of your respective case, you can have multiple MedPay coverages available. For example, let’s say you’ve MedPay coverage on your car insurance, but you are involved in a vehicle accident like a passenger with your friend’s car. Since your MedPay coverage follows you if you happen to be involved with an accident, your MedPay will cover your medical expenses around the limits of the policy. If your friend boasts MedPay coverage, you’d contain the benefit of her MedPay coverage since you were a passenger in their insurance carriers could be entitled to reimbursement of the MedPay benefits paid in your behalf from any available 3rd party coverage (i.e. the insurance policy that covers the car from the person who was simply in the wrong to the accident), but you are generally limited to extract for benefits paid over $10,000.

(Please note: while informative, these posts are not intended to be the formal legal counsel and are certainly not completely authoritative and should not solely rely on being a primary grounds for legal action.)