If the accident was major and you are in Texas’ claims or legal process now, you don’t have the money yet. So how should you pay your medical bills?
Your Texas attorney, if you have one, can help you to work through the medical bills so you can get treatment and still pay your mortgage and other bills.
They can point you toward some great resources in Texas that can be of assistance. Here are some you can reach out to, to find out if you qualify for financial help after your accident.
If you have health insurance, you should use it to pay your immediate medical bills as you get them. If the other driver is at fault, the bills will be paid back because the other insurance company must do so: Texas is an at-fault state.
While it may be tempting to wait for the other driver's insurance to pay your bills, that payment would not occur until a settlement or judgment is final.
Using your health insurance ensures that your bills do not go to collections, because ruined credit is the last thing you need while dealing with major injuries and a totaled car.
Additionally, by using your own health insurance you might end up paying less. You won’t have to pay each health care provider back separately after settlement or judgment.
Health insurance companies have agreements with most medical providers to pay only partial fees. When the case is concluded, your health insurance company will request reimbursement. This is known as subrogation.
States are either a no-fault state or an at-fault state. Texas is an at-fault state. This means that the person that is at fault in the auto accident must compensate the injured person for the amount that he or she is liable for.
These payments usually come from the at-fault driver’s insurance company. Accident damages that are covered under Texas law include:
However, this doesn’t mean they will automatically cover your bills as they come in. Learn more about this and other myths surrounding personal injury/accident cases.
Each at-fault state has required minimum insurance coverage that each driver must maintain. In Texas, the current minimum liability limits are:
Remember: This is the bare bones minimum. Depending upon how bad the accident is, personal and property damages could be much higher.
If your damages are worth much more than the other driver’s maximum coverage amounts, you can file suit to collect the difference.
If you have bills that your health insurance won't cover, your attorney may be able to provide access to doctors that will bill you on a contingency basis.
This means that the lawyer arranges for your medical bills to be delayed until a settlement is reached. The law firm would reimburse the doctor out of the settlement check.
If your attorney cannot make such arrangements for you, you could have to pay for your own medical care.
Despite your best efforts, you still might open your mail and hit the floor: there’s a $9,000 hospital bill that you owe from your car accident. What should you do?
First, if you had a personal injury attorney on your case, you should call him or her immediately. Something could have fallen through the legal cracks with the billing.
Next, check these tips from the Texas Department of Insurance (TDI):
Call your doctor or medical provider that sent the bill. Discuss the situation. The TDI website says that Texas law mandates that medical providers give you an itemized bill upon request. So check those charges carefully. The provider may negotiate on a payment structure.
You can compare how much you were charged to average market prices. TDI has a Health Insurance Reimbursement Rates Consumer Information Guide that can help.
TDI has a Consumer Help Line (1-800-252-3439) and can usually offer one of two things:
If you think you received an unfair bill and still need help, you should file a complaint with the appropriate state regulator:
While facing large medical bills after an accident can be intimidating, we hope that some of the resources on this page have shown you that there is help available.
You may face ongoing health needs after an accident, particularly if you become permanently disabled. There are resources for people who do not have adequate health insurance coverage in that scenario:
While you are recovering from your injuries, there is a good chance you are missing time from work. While health insurance may cover your medical fees it won't address your rent or mortgage, utilities, groceries or other basic necessities. But there are resources in Texas to assist you during these scary times.
The website NeedHelpPayingmyBills.com offers information on numerous government and private support services offered in the state, including county-specific information. Among those featured:
The journey to recovery after an accident can be a long one filled with complicated legal processes and medical appointments. Accessing the proper support services can help your family deal with these logistical hassles so that you can focus on your recovery.