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If you have had an accident and need medical care you might be worried about how to get the care you need while the insurance companies wrangle over the details. But you can still get the care you need without paying out-of-pocket. You can use medical lien to pay for your ongoing treatment. There is a network of doctors in many different specialties who provide care with medical lien. Your personal injury attorney will be able to recommend doctors that can give you the treatment that you need while your case is ongoing. After your case is settled the fee for the medical care is taken from the proceeds of the settlement. When you use a medical lien to get care you don’t have to worry about paying for any out-of-pocket costs.
Even if you have insurance it’s a good idea to see a doctor that accepts medical liens that is recommended by your attorney. If the accident wasn’t your fault the person who caused the accident should pay your medical bills or their insurance should pay for it. If your insurance company pays for the cost of treatment it will count towards your coverage cap and it might even drive up your premiums. But it can take time for the insurance companies to reach an agreement about who should pay. Having a medical lien takes the worry out of your medical care so that you can focus on getting better and proceeding with your case.
You can approach a doctor that accepts liens on your own, or you can see a doctor recommended by your attorney. When you are searching for a personal injury lawyer you should ask about their experiences dealing with medical coverage and if they can recommend a doctor that will accept a medical lien. Attorneys that specialize in personal injury often have great relationships with networks of doctors ranging from general practice to specialty care so that you can find a provider easily. Your lawyer can be a great resource during this hectic and confusing time. Just make sure that you choose a lawyer that is experienced in dealing with personal injury cases.
After signing a medical lien you will be responsible for any medical costs that aren’t covered by the settlement. Once your lawyer has worked out a settlement with the other person’s lawyer or has gone to court to get a judgment for you the lawyer will disperse whatever money is owed to the medical providers who took care of you. Usually the medical costs are included in the settlement and do not come out of any money that is awarded to you for damages. But, if the settlement is small or your lawyer loses the case you will be responsible for paying any costs that haven’t been paid. Using doctors on lien allows you to get any care that you need without getting any kind of authorization from insurance companies.
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Source by Robin Khan
