How Does Medical Reimbursement Work in Personal Injury Claims?

One of the biggest stressors after an injury is the mounting medical bills. If your injury was due to someone’s negligence or reckless behavior, you may be entitled to compensation for your current medical bills and any future medical care resulting from your injury. Even if your care was paid for by insurance, you may still have a claim for associated expenses like:


– Lost wages

– Recovering living expenses

– Pain and suffering

– Emotional trauma

– Mental or emotional problems stemming from your injury


As soon as you’ve been injured, your first call should be to a licensed personal injury attorney in Iowa. Any lawyer can offer advice, but personal injury attorneys are specialists in areas of law regarding Wortker’s Compensation, traffic accidents and wrongful death cases. After, you wouldn’t see an orthopedist for a heart problem.


Before you talk to a lawyer, here are answers to some common concerns


Insurance Issues


If you have medical insurance, it may cover initial treatment, However, if you end up in a hospital that’s out of your network or your medical expenses exceed your coverage, you’re going to need legal help to keep bill collectors away. Even if your injury was covered, you may still be able to sue for the cost. However, the money will probably go right to your insurance company.


If an insurance company contacts you after an accident, contact a personal injury lawyer immediately and refer all future inquiries to their office. The insurance company works for the person or organization that’s responsible for your injury. It’s in their interest to offer you as little as possible. Any comments or contact with them could also be used against you if you decide to take your case to court.


What if One or Both Parties Don’t Have Insurance?


Ultimately, you are responsible for taking care of your medical bills regardless of insurance coverage. However, if you’re uninsured, you can get financial compensation for any out of pocket expenses and current medical care. Ongoing care or payment if you become disabled would have to be determine by negotiation between your lawyer and the guilty party’s or in court.


Work-related injuries are covered by your employers worker’s compensation insurance, which is required by law unless you are liable for your own injury. Traffic accidents in no-fault insurance states may allow the other driver’s auto insurance to pay all or part of your medical bills. In states that don’t have no-fault laws, your bills are only covered if there is a “med pay” clause in their plan. The same goes for slip and fall accidents and inquires on someone else’s property.


Should I File Lawsuit?


If you have severe injuries, the accident resulted in a death or disability or there was fault assigned, you should consult with a lawyer. The amount of the suit should cover your bills, reimbursements for medical expenses, and legal fees the cost of future care and rehabilitation, and lost wages. Any government insurance programs like Medicaid or Medicare are entitled to reimbursement for payouts, so that portion of any settlement you receive will go to them.


Before you talk to a lawyer, get all of your medical and other bills together. You should also bring any medical reports stating the extent of your injuries and prognosis. Different types of injuries have a different set of standards for the length an damount of compensation.