How to Handle a Personal Injury When You Don’t Have Health Insurance

People who suffer from personal injury without insurance may be worried that they won’t be able to pay their medical bills. Thus, some of them suffer in silence or only get services they can afford even when they need more.

According to personal injury attorney Tampa, Hunter Law Group, there are still ways to go about handling a personal injury even without insurance. Below are the steps you can take to make sure that you can still pay your medical bills after your accident.

1. Try to see if there is a “No Fault” insurance.

Some states have the “No Fault Car Insurance”. This means that if you have a vehicular accident, the automobile insurer will be able to pay some of the medical bills and lost salaries from the damages. This can be done whether it is you who is at fault, or another party for the accident.

The claim for “No Fault Insurance” is also called Personal Injury Protection (PIP) type of claim. However, it is important to note that every state has a different law. In some states where “No Fault Insurance” exists, there is still a monetary limit on the medical coverage. In other states, this limit does not exist and you will be guaranteed full medical coverage. It is better to research on your state’s laws to see if you state covers “No Fault Insurance” and up to what amount.

2. Attempt to check on the medical payment coverage.

There are some vehicles and property areas that have what is called a medical payment insurance coverage, otherwise known as “med pay”. This “med pay” means that wherever the accident occurred, whether inside a car or within a property, the coverage will pay for the medical bills of the person who suffered from the accident. This claim will be taken from the negligent person or entity at hand.

According to personal injury attorney Tampa, “med pay” has a limit of $10,000 and the rest will be paid out of pocket by the person who needs medical services. This is another option if you see that your state does not have a “No Fault” automobile insurance. Find out if your employer has this coverage, or if your car has this coverage, or if the person at fault has signed up for a “med pay”.

3. Check out Medicaid.

Medicaid is a federal government health insurance policy that provides health insurance to low-income individuals. They are given through state agencies. The government does not directly provide the Medicaid insurance, they simply fund the state, and the state provides the insurance program depending on the criteria being met.

If you suffer from a personal injury that cost you your health and even your ability to work, you may be eligible for Medicaid. Medicaid, however, is not a charity. It still needs some requirements for you to pass but they place their favor on low-income individuals. Visit your state’s Medicaid webpage, to know more about this option.

4. Talk to your healthcare provider about arrangements.

Some hospitals and clinics also who treat personal injury problems are able to give payment options that are more manageable to patients. You can talk to your healthcare provider if they offer such an option so that it would be easier for you to pay expenses out of pocket.

In some cases, the patient may be in the process of filing a lawsuit for the entities at fault. There may be a binding agreement that the patient will pay a portion to his health care provider if he wins a lawsuit.

Do not lose hope if you don’t have an insurance. Explore this options and succeed financially and restore your health by applying for medical coverage.


Author Bio: This article is brought to you by Adrian Rubin, online writer and Philly photographer.


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