Does Health Insurance Pay Accident Injury Medical Bills


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Injury Attorney Pamela Rochlin

Peopleinjured in an accident have questions about their medical bills.

The initial question is who pays? The answer depends on how the accident happened. In a car accident, YOUR No-Fault insurance usually pays the first $20,000 in medical bills. If you are injured on someone’s property, their insurance may have Medical Payment coverage to pay a portion of your medical bills.

If you have health insurance, they will also pay your injury medical bills. People often worry their health insurance will not pay the bills if the injury was caused by someone else. However, that is not correct.Your health insurance must still pay your medical bills. Even if you get your health insurance through medical assistance, they still have to pay.

However, your health insurance from has the right to ‘subrogation.’ This means that if you get a settlement, your health insurance will get a portion of your settlement to reimburse the bills they paid. This is often confusing for people. Why should your health insurance get part of your settlement? Basically, it is because that is part of your insurance contract. Our lawyers make sure this is done correctly so your medical bills are paid and you get the most possible compensation.


Our injury attorneys have more than 25 years’ experience representing hundreds of people throughout Minnesota. We have worked on injury cases of all kinds. Everything from broken bones requiring surgery, to burn injuries, concussions, amputations, and more. Understanding medical bills after an injury can be difficult. However, we regularly deal with all the major health care providers, as well as the medical insurance companies.

You are welcome to call our office for a free consultation. An injury lawyer will answer your questions and explain your rights. We have offices to meet you throughout the Twin Cities. A lawyer will also come to your home anywhere in Minnesota. We never charge anything unless you receive compensation for your injuries.