Who Pays for My Medical Bills After An Auto Accident in Colorado?
Generally, there are three ways your medical bills can be paid if you are injured in an accident in the State of Colorado.
MEDICAL PAYMENT COVERAGE
Under Colorado’s mandatory MED PAY statute, there is a minimum five thousand dollars ($5,000.00) of automatic MED PAY sold as part of every insurance policy and renewal. The only way a policy will not have at least the minimum coverage ($5,000.00) is if it is waived in writing by the policyholder.
MED PAY, through auto insurance, will pay for medical bills regardless of fault.
You may have MED PAY and not even know it. If you are unsure if you have MED PAY, we will be happy to provide an insurance policy review for you.
HEALTH INSURANCE
Your health insurance may pay for medical bills incurred while treating injuries resulting from an auto accident, however, with increasing deductibles and higher co-pays, you may find your finances stretched to the breaking point.
As with all medical treatment, when you use your health insurance, you will incur up-front costs such as a deductible or copay as your network out-of-pocket expenses. As well you may also exhaust any of your policy-limited medical benefits for the calendar year.
Lastly, most health insurance companies may not cover certain necessary services including but not limited to imaging, specialist referrals, and massage therapy.
Lien
You may receive the medical treatment that you need on a health care provider’s lien.
A lien is a document that allows you to receive the care you need with no up-front, out of pocket expenses. Typically, the lien is handled directly between the medical provider and the at-fault party’s insurance and/or through the assistance of an attorney. The medical provider is paid at the time of settlement by the at-fault insurance carrier and/or through the attorney.
Ultimately, the at-fault driver and his insurance company are responsible for the paying of all of your medical bills. However, they will not pay your bills as you get them, and health providers cannot bill them directly. Don’t be misled by an insurance adjuster or representative who promises to take care of your medical bills. You will be disappointed.
This article presents only educational material and should not be taken as a substitute for the advice of a medical professional. Before following any advice found here or in other medical instructional materials, please consult with your doctor.
Unveiling 11 Interesting Facts About Physical Therapy Probably Didn’t Know
In this article, we will delve into the fascinating world of physical therapy and uncover 11 interesting facts that you probably didn’t know. From its historical origins to the surprising benefits it offers, let’s explore the intriguing aspects of this vital healthcare profession.
What Are Auto Accident Injuries?
If you’ve been in an automobile accident, you might experience the following injuries: Concussion, headache, or other head injury, Neck, shoulder & Spinal injuries , Chronic pain, Leg and foot injuries, Arm and wrist injuries, Whiplash, Bone fractures, and/or Soft tissue damage
What To Do After An Auto Accident
It is important to see a physical therapist soon after a collision/incident.
Waiting to “see what happens” could delay your healing process.
Additionally, it is important to have medical documentation as soon as
possible after the collision/incident to establish how your injuries were
caused and to formulate a treatment plan that will maximize your
recovery.
Why Hurt Any Longer when Rocky Mountain Accident Care is here to help YOU?
Whether you were in a car accident last week or last year, RMAC can help lessen your pain. We have the know-how to help you get out of pain, restore your function, and put that episode in your life behind you.
Call us now to take the next step on your road to recovery!