Mount Prospect Attorney – Co-pays after an auto accident
If you were injured in the village of Mount Prospect or anywhere in the state of Illinois, you may wonder whether you can recover for your co-pays after an auto accident. You can. But not how you might think. For a free consultation on this or any other topic, call Mount Prospect attorney Barry Zlotowicz for a free consultation at 847-305-4105.
Co-pays after an auto accident
If you were injured in an auto accident or any other type of personal injury accident, you probably sought medical care shortly thereafter. Perhaps you went to the emergency room or a local urgent care. After your medical care is completed, you will begin to receive medical bills for the treatment.
The auto insurance company for the driver who hit you will NOT pay your medical bills until your case is resolved. However, your health insurance may pay for the bills. You may have to pay your health insurance back out of the proceeds of your settlement.
If you do use your health insurance to pay your medical bills, you will likely have co-pays, co-insurance and/or a deductible that must be paid before your health insurance kicks in. That does not change after an auto accident.
If you receive a bill for a co-pay you must pay it. Otherwise, the bill could go to collections. If you are attempting to obtain follow-up care, for example, with your primary care physician, or more significantly, if you are attending physical therapy, you will have to pay your co-pay on every visit.
That can be costly. I’ve had more than one client who did not pursue additional medical care because she/he could not afford the co-pays.
The same applies for your deductible. Let’s say hypothetically that you have a deductible of $2,500. If you go to the emergency room and your bill is $5,000, you will get a bill for $2,500. If you don’t pay that bill, it may very well go to collections.
People often ask if they will recover for the co-pays after an auto accident. Yes, you will, but not how you think. After you are done treating, your Mount Prospect attorney will demand that the defendant driver’s auto insurance company reimburse your for ALL of your medical bills – not just your deductible.
Your co-pay is just a fixed part/portion of an entire medical bill. As such, you will not receive reimbursement specifically for the co-pay. Rather, you will seek reimbursement for your entire bill.
Auto accident settlement example
This is frustrating to some people because the settlement offer the auto insurance company makes you is intended to compensate you for your pain and suffering as well as pay for your medical bills.
For example, if you have medical bills of $3,000 and the insurance company offers you $10,000 to settle your case, the $3k in medical bills are included in the $10,000 offer. Often accident victims think that the $10,000 all goes to them. It does not. By the way, if you have attorneys’ fees, those come out of the settlement amount as well.
So, Yes, you will recover for your co-pays
Regardless how you get compensated, you will receive reimbursement for your medical bill co-pays and your deductible. It may just not be when you want it or you need it.
There are other options to pay your medical bills. Those can be found in my blog article on this topic. But in some they include obtaining medical service on lien or using your medpay insurance in your auto insurance policy.
If you have any additional questions about obtaining reimbursement for your co-pays after an auto accident, feel free to reach out to Mount Prospect attorney Barry Zlotowicz at 847-305-4105.
This blog is for entertainment and informational purposes only. It is not intended as legal advice and the accuracy thereof is not warranted or guaranteed. This information is prone to errors and omissions. Use this information at your own risk. Reading this blog does not create an attorney-client relationship. All content in this blog is owned by the creator. This blog may include copyrighted information. Use of this information constitutes a “fair use” of this material.