How Medical Insurance Pays Your Bills After a Georgia Car Accident

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Key Points:

  • This Georgia legal guide explains how health insurance may pay your medical bills after a car accident and until your injury case settles.
  • Knowing how medical insurance plans handle expenses after a car or truck accident is a key to a successful outcome in your injury case.
  • Most private health care policies or plans do cover car accident claims, regardless of fault.
  • If you do not have medical insurance – you still have options.
  • Your insurance company may request reimbursement. Learn how to keep most (or all) of your settlement money.

Topics Covered and Questions Answered:

  • How Do I Receive and Pay for Medical Care After a Car Accident?
  • Should I Provide My Insurance Information at the Hospital?
  • Where Will the Hospital Send the Medical Bills?
  • Will My Insurance Company Pay for My Medical Expenses Due to a Car Accident?
  • When Will Georgia Medical Payments Coverage (Med Pay) Under A Car Insurance Policy Cover My Medical Bills?
  • If I Win a Settlement or Judgment That Includes Medical Expenses, Do I Get to Keep the Money?
  • Does The State of Georgia have PIP?
  • What If I Have No Medical Insurance?
  • What Happens If I Receive More Medical Bills After I Accept a Settlement?

In the State of Georgia all drivers are required to carry automobile insurance that covers property damage and car repairs or medical care if he or she causes an accident.

But who pays for your medical bills after a Georgia car accident until your injury case settles? How and when does medical health insurance cover injuries caused by a car or truck crash?

How Do I Receive and Pay for Medical Care After a Car Accident?

When you are injured in an automobile, truck or motorcycle accident in Georgia and you go to (or are taken by ambulance to) the hospital, a doctor’s office or medical clinic, you follow the same rules that you would for any other injury.

This means you will give the care provider your insurance and receive medical treatment in the same manner as if no car accident is involved. In other words, “you” are responsible to pay for your own medical care and bills after a Georgia car accident.

While the at-fault driver, usually through an automobile insurance company, must ultimately reimburse your medical bills, in Georgia they do not have to pay immediately or as you incur the bills.

The general rule in Georgia is that the at-fault driver and his or her insurance company do not pay your bills on an ongoing or as-incurred basis. Instead, you must pay for, or find a way to cover, your medical costs to be reimbursed later by the other driver’s insurance company.

At this point, assuming that the crash that injured you was not your fault, you may be worried or upset. After all, why should you have to pay to get medical care for an accident that some careless or negligent driver caused? Unfortunately, what you need to know is that in Georgia, it is your responsibility to obtain medical care.

The good news, however, is that when your case settles or reaches a judgment, you are entitled to be reimbursed for both your own out-of pocket expenses, such as co-pays or deductibles, and the costs paid by your health insurance carrier.

Should I Provide My Health Insurance Information at the Hospital and to My Doctors?

Yes! If you visit a hospital and doctors after a car accident, you should provide your private health insurance information.

As attorneys who represent accident victims, we are often asked “why should I use my own insurance for an accident that was not my fault – it seems unfair?” This is a great question with two simple answers.

First – You paid for your health insurance for this exact reason. The alternative is not getting the medical care you need, and can be much worse for your health and your legal claim. Secondly – depending on the type of policy you hold, your insurance may eventually be repaid by the at-fault driver.

Not using your own health insurance to pay for care after a Georgia accident can be an expensive mistake. You or your attorney must make sure that your bills are submitted to your medical insurance carrier. This will ensure the bills are paid immediately and that your bills will not be transferred to collection agency while you are waiting for a settlement.

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Where Will the Hospital or Ambulance Send My Medical Bills?

If you give the hospital your private health insurance, they will most likely send the medical bills directly to your health insurance company. Your health insurance will then send you a copy of the statements, what the health insurance paid, and any cost you may be responsible for covering.

Additionally, first-care providers such as ambulances or hospital emergency rooms may not require immediate payment, unless you refuse to provide insurance information. Medical providers will work with you to provide the care you need and then bill your insurance company.

If you have received a bill from the hospital or ambulance, this bill should be sent to your health insurance company as soon as possible. If you have a personal injury lawyer, you may give the law office your bill and ask that the attorney submit the bill to insurance. Doing nothing can result in you owing the bill personally. Your health insurance plan will then deal with the emergency room, doctor or ambulance company.

Will My Health Insurance Company Pay for My Medical Expenses Due to a Car Accident?

Yes. Your health insurance company will most likely pay your medical bills according to the terms of your insurance policy. In Georgia, your medical insurance pays first and may be reimbursed later from your settlement or verdict. Although it may sound unfair, this can be to your benefit. Do you really want the insurance company for the at-fault driver deciding what medical care you deserve? We don’t think so either.

If you later receive a settlement or judgment against the other driver, then your health insurance provider may ask you to reimburse them for the costs they covered. This is called insurance subrogation. Whether an insurance company may enforce subrogation depends on the type of policy you have.

All good personal injury lawyers will review the type of health insurance policy you have and determine how much, if anything, a health insurance plan is entitled to receive. In most cases, the money that is reduced or avoided from a health insurance lien is money that the accident victim may keep.

When Will Georgia Medical Payments Coverage (Med Pay) Under A Car Insurance Policy Cover My Medical Bills?

If your car insurance policy includes medical payments coverage, it will usually pay your medical expenses up to a certain amount, regardless of whether you were at fault.

Medical Payments Insurance coverage is an optional benefit that you can purchase, usually it is fairly inexpensive, often costing only $10.00 to $20.00 per month. Med Pay covers you and your passengers up to a certain amount if you or they are hurt in an accident.

Many Georgia residents do not know whether they have med-pay coverage. The fact that your agent told you that you have “full coverage,” does not always mean you are fully covered or have MedPay. We recommend you check your insurance card, call your insurance agent and have your coverages reviewed by your personal injury law firm.

If you have medical payments coverage on your car insurance policy, your health insurance provider will generally be responsible for medical expenses above the limit of your med-pay coverage.

In Georgia, Med Pay coverage is generally sold in certain limits, often $2,000, $5,000 or $10,000. Although, we have seen medical payments coverage as high as $50,000 or $100,000. MedPay also usually does not have a deductible (a payment amount that must be met before health insurance pays).

If you have med-pay coverage, we recommend giving that coverage information to the hospital or the doctor, along with you health insurance plan information. Medical Payments coverage can be used for a wide-variety of expenses, including ambulance bills, emergency room costs, chiropractic and physical therapy, at-home therapy, and more.

Finally, some people are afraid to use their MedPay coverage out of fear that it may raise their auto insurance rates. This is a fallacy. Georgia prohibits car insurance companies from raising your premium or canceling your coverage if you were not at fault in the collision. O.C.G.A. 33-24-45.

Can Medicaid or Medicare Pay My Medical Expenses After a Car Accident?

Yes. If you have Medicaid or Medicare, you should notify the doctor or hospital, and you should be covered for your care and treatment. If you are not already on Medicaid, you may contact Georgia Medicaid to see if you can qualify for either Medicare or Medicaid.

One thing to know is that if you do receive a settlement or judgment in your favor, you may be required to repay Medicaid or Medicare for the medical portion of your recovery. Rarely, however, do Medicaid or Medicare pay the full retail value of the medical care and their liens may also be negotiable. If you Medicaid or Medicare pay any part of your personal injury medical bills, contact an attorney immediately for help and advice.

If I Win a Settlement or Judgement That Includes Medical Reimbursement, Do I Get to Keep the Money?

After your car accident, if you provided your health insurance at any doctor or hospital visits, then your coverage likely paid for the related medical care you received. If you do not move forward with or win a lawsuit, then you will usually not be required to pay these costs back. However, if you do receive a settlement or judgment in your favor that is meant to compensate you for medical bills, your health insurance may be entitled to reimbursement.

It is worth knowing that in the State of Georgia not all health insurance plans have an enforceable right to be reimbursed. You should have your plan reviewed by a personal injury lawyer to learn whether you must reimburse your insurance company.

Does The State of Georgia Have PIP?

The State of Georgia does not require PIP (personal injury protection) on automobile insurance policies.

PIP protection is a type of “no-fault” insurance coverage that was in place at one time in Georgia. No-fault insurance provides medical coverage regardless of which driver was at fault for an accident. PIP coverage may be available from certain insurance companies and may be worth asking your insurance agent about.

What If I Have No Medical Insurance?

In Georgia, if you do not have health insurance it is still your responsibility to find a way to pay for needed medical care following an accident. If you have no medical insurance, do not qualify for Medicare and do not have Med-Pay Coverage, you may still have options.

Some doctors or clinics may agree to treat you on a medical lien, meaning that you may sign an agreement to repay the care provider when your case settles or reaches a verdict. Other medical clinics may agree to treat you on a payment plan or using medical-legal funding.

You may also wish to contact a good well-established personal injury law firm. An experienced personal injury attorney may help explore your options to receive medical care while you recover and your injury claim is open. The fact that you do not have medical insurance may not keep you from receiving the medical treatment you need.

What Happens If I Receive More Medical Bills After I Accept a Settlement?

If you’ve been injured in a car accident, an insurance adjuster from the at-fault driver’s insurance company may meet with you to review the details of your case. While it may seem like the adjuster is there to help, remember, it is their job to get you to agree to settle for as little money as possible.

Sometimes, adjusters will offer to cover medical bills quickly, but this may be well before you know the extent of your injuries. Be aware, when you sign a settlement agreement, you usually waive your rights to additional compensation. If you have already accepted a settlement, and later incur additional medical bills related to your injury, it is unlikely you will be able to get more money from the at-fault party.  This is one of the reasons it is so important to speak to an experienced personal injury attorney before accepting any settlement offer.

When Should I Contact An Attorney?

Some good times to contact an attorney include: If you suspect your health insurance claim may be denied; If you believe you may have a personal injury claim against the at-fault driver and you wish to recover the full-value of your case, or; If you have been served with a medical, hospital, or health-insurance lien.

You may contact The Millar Law Firm at 770-400-0000 for a free consultation. We are experts in car accident injury cases and health insurance law. Sometimes the only way to receive fair treatment and justice is to hire an attorney. Our firm charges no attorneys fees unless we recover money for you.

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