How to Save on Medical Expenses After a Crash
Make Sure Your Health Care Provider Covers the Costs
If you have health insurance and were injured in a catastrophic car crash, you should ensure that your health insurance is covering the cost of your medical bills. You should consult with a qualified New Mexico catastrophic injury attorney to help with your legal claim. A lawyer who reminds you of the importance of medical coverage is looking out for your wellbeing.
A catastrophic injury attorney should advise you of common mistakes to avoid and provide you with options for proceeding. Your injury attorney can also assist you in finding a doctor or specialist who can help you with recovery from the injuries you sustained in your accident.
Offer Health Insurance Information
New Mexico personal injury law mandates that the injured party claims the face value of resulting medical costs following a collision, but your health insurance will likely have a “provider discount.” This means that the amount a doctor is authorized to bill your insurance is much less than the face value of the treatment.
You can help make sure that your health insurance is adequately processing and paying bills by providing health insurance information to your medical provider. After completion of treatment, your attorney will negotiate a lien with your medical providers regarding what has been covered by the health insurance company for medical treatment. After settling your case or receiving a satisfactory verdict, the negotiated lien will be provided the first monies received.
Referred Treatment Carries Credibility
People can easily create debt on their case by being referred to and attending appointments by a medical provider that does not accept their insurance. If your health insurance is not covering the cost of medical expenses, then you are incurring debt that will need to be recovered, despite the validity of your claims or the outcome of your case.
If the health care provider covers your expenses, you will then have a lien on your case if you receive money from the at-fault party’s car insurance provider, or even your own car insurance policy, if you have uninsured motorist coverage. This is not the case if you take on medical bills that are not covered by your health insurance provider. Insurers will be expecting payment in full, despite the success of your personal injury case.
New Mexico Rollover Crashes
Rollover accidents have a substantial fatality rate compared to other kinds of collisions. Annually, rollovers account for 35% of all roadway deaths in the United States. Across the country, 90 people lose their lives in car crashes each day.
Rollovers often involve drivers who are traveling at an unsafe speed. Speeding magnifies the intensity of injuries associated with a vehicle collision. The resulting injuries often require extensive medical treatment, which can be incredibly expensive.
At Will Ferguson & Associates, we employ experienced New Mexico rollover crash attorneys who can fight for your legal rights. We have helped countless victims recover million-dollar settlements after sustaining injuries in serious car accidents. Give us a call today at (505) 243-5566 to see how we can help you.