Health insurance ensures you receive the care you need, including after an auto accident. However, you may have thousands of dollars in medical bills from imaging, hospital stays, therapy, etc. It’s not as straightforward as your medical insurance in Fords, NJ simply covering the bills.

Reimbursement

Health insurance companies usually aren’t keen on covering all the medical bills for an accident and may not be legally required to. Auto insurance is supposed to kick in to cover medical bills. The person who’s at fault may also be responsible for them. Many health insurance companies may initially cover the bills so you can receive care, but they’ll likely seek reimbursement from car insurance companies or a settlement you receive.

Insurance May Kick In Last

Some Fords, NJ health insurance companies refuse to pay medical bills in the beginning. Instead, they wait for auto insurance companies to pay their part or for a settlement. The insurance company or settlement pays for most of the medical bills, and then the insurance company pays the remainder. This often depends on the insurance company.

Companies Differ

Many health insurance companies, like Five Star Insurance Agency, have a policy addressing medical bills after a car accident. Some may pay medical bills to ensure you receive care, but you may owe them the money back if you get a significant settlement. Others may pay part of the medical bills because they want to pay the least amount possible, and the auto insurance company should provide payments.

Many health insurance companies will work with you to ensure you receive necessary care after an accident, even if you’re suing someone for legal and medical fees. The experienced agents at Five Star Insurance Agency will walk you through the claims process to ensure you understand every detail. Contact us today to discuss your concerns.