Jones & Swanson

Your Health Insurance Rights

As Marietta injury and accident attorneys, we deal with defendants, opposing counsel, judges, and jurors often. Many people fail to realize, however, that our staff works with insurance and medical providers on a daily basis as well.

November 1 is open enrollment for health insurance. As this date draws nearer, we’d like to address a few issues that we commonly face in relation to medical insurance rights.

1. Who pays my medical bills after an accident?

Many Georgians hold the false belief that if they are involved in an accident, the party at-fault for the incident is required to pay their medical bills. Regardless of fault, if you are injured in an accident, you hold the responsibility of paying your own medical bills as they are incurred. Fortunately, an experienced Georgia personal injury attorney can help to win damages for you from that at-fault party, which can help with those expenses. So it is important to have appropriate health insurance for you and your loved ones.

2. What if I can’t afford to pay for my medical treatment following an accident?

In the event that you do not have health insurance, there are a variety of ways to pay for your medical treatment. Medpay, payment plans, and liens are just a few ways that patients are sometimes able to pay their medical bills. A hospital lien is something that providers may agree to so that treatment can be provided with the understanding that the patient’s bills will be paid using proceeds from a lawsuit’s settlement or verdict. These liens are sent to that patient’s attorney and serves as a contract requiring the lawyer use funds from the case resolution to pay the provider before disbursing to the client.

3. Why did the hospital file a lien instead of billing my health insurance?

This is an issue that many of our clients have faced in the past, but many times are able to solve. Providers that are contracted with your health insurance are required to bill your health insurance. Hospitals tend to prefer being paid out of settlements or verdicts because more money is involved than if they were to bill directly to a health insurance company. Health insurance companies and hospitals typically have a contractually adjusted amount that is paid, as opposed to the full bill amount. Fortunately, the experienced legal professionals at Jones & Swanson will help to ensure that hospital liens are billed to your insurance so that you’re able to keep what is rightfully yours.

4. How should I handle a hospital lien?

Owing money to medical providers is a sticky situation to be in. The best way manage your hospital lien is to work with a Marietta personal injury attorney who has experience handling these types of cases.

At Jones & Swanson, our injury claims are represented on a contingency fee basis. This means that clients owe nothing to us up front or throughout the entire claims process. Our compensation is paid as a portion of the overall recovery amount of the individual’s legal claim. If we don’t win your case, we don’t receive compensation. So you can rest assured that we will work diligently to obtain the best possible outcome for each client. For a free consultation, call (770) 427-5498 today.

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