Health Insurance Wants Me To Sue Third Party Will Health Insurance Cut Off Pay Medical Bills After Accident


WILL HEALTH INSURANCE PAY MEDICAL BILLS AFTER AN ACCIDENT CAUSED BY SOMEONE ELSE? CAN THEY REFUSE TO PAY IF I DON’T SUE OTHER PERSON?

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Medical Insurance After Accident Injury

You may receive a letter from your health insurance company after an accident injury. They often request information about the cause of the accident. Why is this? Because your health insurance wants to know if there was another party at fault that caused the accident.

Our MN accident lawyers get calls about these letters frequently.

The health insurance company hopes to get their money back from a third party that caused the accident. This is called ‘subrogation.’Almost every health insurance policy includes a subrogation provision. Subrogation applies if you are injured by a third party and sue or bring a claim because of your injury. If so, your health insurer is entitled to get their money back for the medical treatment they paid for.

Most health insurance companies will pay for your medical treatment even if the injury was caused by another person. This includes a car accident, dog bite, slip fall, defective product, etc. But they will encourage you to pursue compensation from the person who caused the accident. The compensation will include medical bills, which will go back to the health insurance company.

Our accident injury lawyers are sometimes asked what happens if you decide not to sue? Also, what if you pursue a claim and lose?Will your health insurance company cut you off, or still pay your medical bills? The answer is that they will most likely still pay the medical bills from your injury whether you sue the person at fault or not.

FUTURE MEDICAL TREATMENT AFTER AN ACCIDENT

Our personal injury lawyers are also frequently asked whether health insurance will continue paying for medical treatment after the case is settled? The answer to this question is usually yes, you will still be covered for future treatment. However, there are some insurance policies that are more restrictive and require you to set aside money from your settlement for future medical care. You should read your medical insurance policy and call the insurance company representatives to find out the terms of your specific policy.

The requirement to repay your health insurance out of your settlement is in your policy.The policy will state how much of your settlement you have to pay. The policy will also explain whether your health insurance will continue to pay medical bills after an accident injury. Unfortunately, these health insurance policies can be difficult to read and understand, and the law in that area is complicated as well. Therefore, if you are receiving medical treatment for an accident that was someone else’s fault, we recommend you call us for a free consultation. An experienced Minnesota accident injury lawyer will answer your questions. Our personal injury lawyers will discuss the case with you and advise you of your rights.