Does Health Insurance Cover Car Accidents in Ohio?

The administrative aftermath of a car accident can be confusing and overwhelming for anyone on top of the physical and emotional pain that accompanies auto accident injuries.

One common question people often ask in our personal injury consultations is whether they should use their own health insurance to pay for their medical care.

Most often, the answer to this is “yes.”

Getting prompt medical care is critical, and using your health insurance can help you do so.

Whose Insurance Covers Car Accident Injuries?

Although the at-fault driver and their car insurance provider (the liability insurer) will ultimately be responsible for the medical bills (and other losses) caused by a crash, the liability insurer will not pay those bills as they are incurred. Rather, liability payments are made in a one-time, final lump settlement. Yet, you do not want to settle your case too soon, without assurance that you will not need additional medical care. Therefore, using alternative means, like your health insurance, to cover those expenses in the short term will be necessary.

Although your health insurance may pay the medical providers initially, they will typically try to be reimbursed from your settlement with the at-fault driver’s insurance company.

Our law firm first verifies whether or not the health plan is contractually entitled to be reimbursed and if so, can often negotiate reductions, maximizing what you, the client, get in your pocket. This is an example of how having an experienced personal injury lawyer benefits you in multiple ways.

What is Medical Payment Coverage?

Medical payment coverage, frequently called Med-Pay, is an often-purchased add-on to an auto insurance policy. It covers medical bills for car accident injuries up to a certain amount ($5,000 to $10,000 per person is common).

This coverage can be used to pay deductibles and copayments and is not limited to the driver or policyholder — it applies to all occupants of the driver’s vehicle.

Can You Use Med-Pay to Cover Medical Bills After a Car Accident?

If you have Med-Pay under your auto insurance plan, this can absolutely be used to pay for your medical bills, including copays and out-of-pocket medical expenses.

Can You Use Med-Pay Insurance Coverage AND the At-Fault Driver’s Insurance to Pay for Car Accident Bills?

Under state law, you cannot double-dip. If you receive benefits from your own insurer and then eventually from the at-fault party’s insurance, your own insurer will need to be reimbursed in most circumstances.

Help Your Car Accident Lawyer Help You

One of the big things you can do to help your case is document all car accident-related medical expenses — and notify your attorney if you receive communications related to your accident.

You should document how your physical pain interferes with your daily life, the prescription medications you take, and the doctor and physical therapist visits you go to. All receipts and bills should be recorded.

An easy way to document your case is to take pictures of all records, receipts, communications, and bills, and provide them to your lawyer. If you usually have your phone nearby, you can snap a picture and email files quickly to your lawyer.

Should You Wait for the At-Fault Driver’s Insurance to Pay Your Medical Bills?

Unfortunately, medical billing offices will not usually wait for payments owed by the patient just because someone else caused the accident. Because it takes time to resolve auto accident claims, there may be an interim period, which can be a chapter of financial hardship.

No matter what the health insurance coverage or financial situation is, our clients can protect their own interests by communicating with providers’ billing departments, setting up payment arrangements when necessary, keeping any accounts of collections, and documenting everything.

Ignoring a bill will never make it go away. If you are having difficulty covering medical expenses or if you receive a notice from a third party asking if your treatment is associated with a car accident, it is important to notify your lawyer as soon as possible.

Health Insurance Won’t Cover Your Medical Expenses. Should You Skip or Delay Treatment?

For your own well-being, you should get the health care you need when you need it. Although your health care records are always private, part of making an insurance claim involves providing records of your care.

This means that the claims adjuster from the auto insurance company will see gaps in your medical treatment if you skip medical appointments or delay scheduling medical appointments while you are still injured.

The auto claims adjusters and insurance lawyers use these gaps to argue that you were no longer injured because you were not seeking medical treatment during these gaps between medical appointments. Therefore, you should never skip out on medical care because you don’t have insurance or if you don’t have money for a copay.

If your medical care shows gaps in treatment, the insurance company may use it against you and may suggest that your injuries were not serious, or even that your initial claims were fabricated or exaggerated.

Get a Free Consultation with an Ohio Personal Injury Attorney

As personal injury attorneys with more than 30 years of experience representing Ohioans, we’ve seen nearly every scenario and situation imaginable. Our lawyers and staff are always focused on finding solutions and doing everything we can to preserve the value of our clients’ cases and ultimately get them the fair compensation they deserve.

In some cases, we can obtain a “letter of protection” from our clients with certain providers. Approaches to unique financial situations are always tailored to our clients’ needs and situations.

If you’ve been involved in a car accident and would like to know more about your legal rights, give us a call. Your consultation is always free, and we are only paid if we recover money for you.