Who will pay my medical bills?
Under M.G.L. c. 90, § 34, “The PIP Statute,” your own motor vehicle insurance will pay the first $2,000 of your medical bills in nearly all circumstances. If you have health insurance, the remainder of your bills will be paid by the health insurer. Deductibles and co-pays will still be payable by the PIP Insurance, so you should not have to pay out of pocket for these things. If you do not have health insurance, your motor vehicle insurance will pay the first $8,000 of your medical bills. In certain instances, people will have Medical Payment coverage under their motor vehicle insurance, and that coverage will pay additional medical bills once the primary coverage is exhausted. People are often concerned that making a claim under your insurance to get your medical bills paid will result in an increase in premium; this is simply not true.
The realities of being in a car accident are numerous and sometimes overwhelming. There are so many issues that immediately come up it is often times difficult for a victim to fully understand how the process works. There will be questions regarding the issue of who will fix my car? There will be questions of who is at fault? What do I do Next? Can I get compensated for my injury? But often times the most common questions that our clients ask us after an accident is who will pay my medical bills and how does the process work?
In most cases, the system is set up to have your medical bills paid initially by your automobile insurance carrier and then after the first $2,000 has been paid, the remainder will be paid by your health insurance provider.
When your case is settled any monies that your health provider pays on your behalf are accounted for in the settlement. Once your case is over, there should be no further obligation to your health care provider. This issue is sometimes complex. Feel free to give us a call so we can detail how the process would work for your particular case.