Health insurance is complicated enough let alone trying to sort out your coverage after a car accident. We’ve compiled some important notes on what you should know about health insurance and car accidents and to what extent does health insurance cover you.
It would be a smart move to have personal injury protection (PIP) and medical payments (MedPay) policies as well as your health insurance as this will mean you are always covered for any car accidents regardless of who is at fault.
This is because they don’t have a deductible amount before the insurance kicks in, whereas most health insurance does require you to pay a deductible amount according to your policy.
MedPay covers the medical bills of an injured driver from a car accident up the MedPay limit of less than $10,000 normally. Once your medical bills exceed the MedPay limits, then you will be solely responsible for paying them.
The first initial payments after a car accident with by charged against someone’s auto insurance. Most states require you to hold a valid auto insurance policy, however, you’ll need to check with your state’s laws.
Auto insurance will cover medical bills up to a certain extent, depending on who was at fault, it could be either your personal policy or that of the at-fault driver.
Many auto insurance policies do not have every high limit which will have to be considered when you think about the cost of medical care these days.
You can let both your auto insurance and health insurance companies correspond with each other and they’ll be able to sort out who pays it.
When health insurance DOES cover car accidents
Once all other forms of payment have exceeded limits, then your health insurance company will cover the cost of your medical bills. However, you’ll need to find out what is covered and what is not covered on your health insurance first.
You’ll want to get yourself checked out by a doctor as soon as possible after an accident, even if you feel fine. Health insurance employees may advise you to wait to be referred to a doctor, but if you wait too long it may be too late.
The more time that has passed since the time of your accident and in turn, the time since you received medical care, the easier it’ll be for the insurance company to deny your claim as it is hard to link it to the accident.
Health insurance usually covers medical treatment for all injuries up to a certain point. Most will cover a part of the cost whilst you will pay a deductible that is according to your health insurance plan.
You’ll need to check your health insurance and auto insurance policies to see what is included and what you’d need to find cover for from somewhere else.
If your medical bills from the accident are covered by your health insurance and you receive a settlement from the liable driver’s policy, you will need to reimburse your health insurance company for what they paid.
Sometimes, this may even cut into the compensation that you need to cover ongoing medical bills from implications from the accident. However, a good attorney can counteract this in court and claim that the payment the health insurance company is demanding will impact your future badly.
When health insurance DOES NOT cover car accidents
If you’re in a car accident and the other driver is at fault, they are responsible for all damages and injuries. So health insurance won’t cover it straight away. You’ll have to go through your own PIP and MedPay to get coverage or through the at-fault driver’s auto insurance policy.
Some health insurance companies will only provide coverage and compensation when you have exceeded your auto insurance coverage limits.
Health insurance doesn’t cover lost wages that have occurred due to a car accident and also does not pay your living expenses. PIP and medical payments cover bills associated with a funeral whereas health insurance will not.
If you do not have auto insurance but do have health insurance, your health insurance may dismiss your claim for health care coverage.
Only people on your health insurance policy can claim, so if there are other passengers in the car during an accident they will have to claim on their own policies.
However, those with MedPay or PIP (personal injury protection) can claim who are riding in the car can claim if they are in an accident and they are a passenger.
To summarise, health insurance does cover accidents to a certain extent, but it’s important to look over your policies to see what they cover in the event of an accent.
You might want to consider MedPay and PIP as well to help cover any expenses that you may not be able to cover if health insurance cannot cover all of them.
Generally speaking, if you do not have MedPay or PIP (personal injury protection) you may use your health insurance to cover any medical bills that have arisen due to injures from a car accident.
As crazy as it may sound, there is no cost for good health. You’ll need to thoroughly research what coverage different health insurance providers can give you.
You should be aware that trying to pay the lowest price will only result in low coverage and may be a decision you live to regret in the future.
If health insurance is beyond your means, you can consider personal injury protection and MedPay.
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