If you've been injured in a vehicle accident, the last thing you should worry about is covering your medical expenses. Thankfully, there is a way to receive no-cost medical care after auto accident injuries.
Are you unfamiliar with how to get free health coverage for auto accident medical treatment? If so, this article has the answers.
Read on to discover more about no-cost post-accident medical care.
No-Cost Medical Care After Auto Accident Injuries
After an auto accident, you don’t have to suffer through pain and expensive medical bills. There are policies and procedures in place to protect individuals who are hurt in vehicle collisions. However, it's vital to know how to get coverage, so you don't have to pay out of pocket.
Here are some of the primary ways to get no-cost post-accident medical care:
No-fault automobile insurance is available in numerous states. Essentially, it means that your personal vehicle insurance provider will pay a portion of your medical expenses and lost wages if you are hurt in a car accident—regardless of who was at fault for the collision.
A no-fault insurance claim is also referred to as a Personal Injury Protection (PIP) claim. However, every state has a different law.
In Virginia, residents can pay for additional coverage to have PIP protection added to their policy. Virginia is referred to as an add-on no-fault state. If you are injured in a car accident, it's best to find out what your rights are according to Virginia law.
Not all no-cost medical care after auto accident injuries are the same. Sometimes, you can receive benefits if you are injured in a work-related collision.
If you are hurt while on the job, you could possibly have a case against a third party. Usually, when you are injured on the job, the worker's compensation insurance is the primary payer. It's the first insurance to contribute towards your medical expenses.
In this case, the employer's insurance should receive notification and then provide you with a claim number. Once that's done, all of your healthcare bills are sent directly to them.
These types of cases of job-related auto accidents paid through workers comp aren't common. But they provide an opportunity for certain individuals to receive treatment from a no-cost accident injury doctor.
Medicaid is a federal health insurance plan that offers medical insurance to low-income individuals via state agencies. The federal government does not provide health care coverage directly to U.S. citizens. Instead, they transfer the funds to individual states, and those states facilitate the health coverage programs.
If you are injured in an auto accident and you lose your job or medical insurance as a result, you could qualify for Medicaid. To see if you are eligible, contact Virginia's Medicaid office to find out more. If you can receive coverage, Medicaid will cover your medical expenses and potentially pay some of your prior bills related to the accident.
Medical Payment Insurance Coverage
Medpay is a common insurance policy offered by some auto and property insurance providers. It covers the medical expenses of individuals who are injured in an accident that's caused by the insured. However, med pay policy limits are only up to the insured's threshold, which is typically under $10,000.
If your medical bills extend past the Med Pay policy limitations, you are responsible for funding the rest. On the other hand, in situations involving automobile accidents, there are usually additional options for the injured party to receive medical insurance coverage.
Most people have standard health insurance coverage. So, it's important to bill your medical insurance provider if you are injured in a car accident. Usually, medical insurance policies provide more discounts and better health care coverage. Ultimately, that minimizes the cost of your medical bills.
If you go to the emergency room after a car accident, it's a routine procedure for the billing staff to ask you to sign an authorization. It allows the hospital to send the bills to your auto insurance company. The document they'll request for you to sign is an Assignment of Benefits (AOB).
Although auto insurance medical coverage provides additional assistance with expenses, it's not smart to sign this authorization. You always want to provide your health insurance information to every medical professional that you see for your injuries. Don't worry, the hospital can't refuse to treat you if you don't sign the Assignment of Benefits.
If your health insurance does not cover all of your healthcare expenses, then you can combine your personal auto insurance coverage or the at-fault party's insurance to cover the rest.
Doing so is a guaranteed way to receive no-cost medical care after auto accident injuries.
Additionally, many medical facilities are willing to give treatment on a lien. That means they will provide medical services and wait on your settlement from your injury claim to collect payment.
The majority of no-cost accident care chiropractor offices, like Virginia Accident Doctors, accept this form of payment. Going this route ensures that you get the treatment you need and the chiropractor receives payment for their services.
No-Cost Accident Care Chiropractor: Let Us Help
If you've been injured in an auto accident, our Virginia Accident Doctors can help you recover. Jefferson Spine and Injury Center provides chiropractic care, pain management, massage therapy, physical therapy, and more.
We accept all accident insurance claims containing first-party medical coverage. Therefore, you can receive no-cost medical care after auto accident injuries. We will even bill the at-fault party's insurance company for you!
Click below to schedule a Free Injury Evaluation with Arlington, VA's best chiropractor today.