Category Archives: Medicare

How Do I Pay My Medical Bills After an Accident?

Overwhelmed by medical bills from my accident – How do I pay my bills?

If you have health insurance, your insurance provider may cover the care you receive from in-network hospitals, doctors and other medical providers. In rare situations where you were taken by ambulance to a hospital that is not in your network, your health insurance may cover the ER bill if you were unable to select an in-network hospital from the scene of the accident. After your health insurance, your medical payment insurance or “med-pay” will help you to pay your medical bills. Check your automobile policy to determine how much med-pay insurance you have.Call Charlie Ward at 317-639-9501

Lawyer Charlie Ward of Ward & Ward Law Firm recommends you purchase as much med-pay insurance as your can afford. Talk with your insurance agent to obtain a quote. Med-pay insurance becomes cheaper the more your purchase. You may be surprised how inexpensive good coverage is when you seek a quote for a higher amount. Remember that medical payment insurance is to your benefit by covering medical bills and medical expenses, i.e. hospital, doctors, radiology, lab work, prescriptions, physical therapy and much more. It can ease the strain of potential economic hardship and/or the loss of your wages after you’ve experienced a wreck or collision.

If you know someone that has been injured in an accident and having trouble paying their medical bills, call attorney, Charlie Ward, today at 317-639-9501.

By Charlie Ward

Ward & Ward Law Firm
728 S Meridian St
Indianapolis, IN 46225
(317) 639-9501

Medicare Update on Indiana Hospital Lien Statute – Legislation Benefits Medicare Recipients With Personal Injuries

Changes in Hospital Lien Statute Benefit Injured Medicare RecipientsCall Charlie Ward at 317-639-9501

In January I wrote an article about the Indiana Hospital Lien Statute and how it may affect your claim for personal injuries and compensation for damages caused by a car, motorcycle or trucking accident. Since then the Statute was amended and on July 1, 2013 a number of changes went into effect.

History of Hospital Lien Statute and Medicare

The original Hospital Lien Statute became law during the 1930s—decades before Medicare was enacted in 1965. Prior to the 2013 changes in the Indiana Statute, hospitals could elect not to bill Medicare insurance for charges relating to medical treatment rendered to a Medicare recipient who had been injured in an accident through the negligence of another. Today under the new provisions of the hospital lien statute [IC 32-33-4-3(b)(3)(e)], Medicare patients are exempt from the lien.

The Indiana Trial Lawyers Association and the 2013 Indiana General Assembly has taken a stand for the citizens of Indiana and Medicare recipients!

If you have been injured or know someone who has been injured as a result of someone’s negligence, call attorney, Charlie Ward, for a free consultation at (317) 639-9501. The law firm of Ward & Ward has over 85 years of combined experience in personal injury and wrongful death claims including injuries resulting from auto, motorcycle and trucking accidents.

 

Understanding Your Accident-Related Medical Bills | Indianapolis Personal Injury Claim Attorney

An experienced personal injury lawyer will advise you about your medical billsCall Charlie Ward at 317-639-9501

When you’re injured in an auto, motorcycle or trucking accident, a run to the hospital by ambulance, follow-up medical care and therapy can wreak chaos on your finances. An injury requiring a single trip to the hospital will likely generate separate billings from a number of unique healthcare providers as follows:

  • Ambulance
  • Hospital – ER/room charges, tests, blood work, drugs and supplies; may also include x-rays / imaging
  • ER Doctor – Diagnosis and recommendations
  • Radiology – Radiologist charges for reading films / images

Since every accident with injury requires a customized medical approach, your bills may not mirror the sample charges listed above.

As the bills begin to arrive in the mail, the first statement you’ll probably receive will come from the hospital provider and will reflect the total charges to date. If you have health insurance, you may be instructed “not to pay” from the first statement. This is an indication that they have forwarded the statement of charges to your health insurance company and together they will hash out the final charges based upon the contract between the provider and your insurance company.

Shortly thereafter you will either receive an Explanation of Benefits (EOB) from your insurance company in the mail or one will be made available to you online. Your EOB will reflect the original provider charges minus a negotiated “discount” from your health insurance company. This reflects the amount reduced from your bill based upon the insurance company’s contracted rates for the unique services you received. At this time, your deductions will be reflected on your EOB as well as any split, you may have with your insurance provider, i.e. 80/20; 90/10, leaving you with the out-of-pocket charges owed to the medical provider.

It is important that you give your personal injury lawyer all EOB’s from your insurance company that reflect medical charges pertaining to the accident.

Your attorney will work to recover your out-of-pocket expenses on your behalf through the Collateral Source Statute, IC 34-44-1, allowing proof of the amount of money Plaintiff is required to repay into evidence. Your explanation of benefits will outline the amounts owed by you personally to the providers after all amounts have paid on your behalf and all discounts taken.

Experienced injury lawyers will advise you about your medical bills

The law firm of Ward & Ward has over 85 years of combined experience in breaking down the facts of a personal injury claim and working with insurance companies on behalf of their clients. If you have been injured in an automobile, trucking, motorcycle, or bicycle accident, please feel free to call me at
317-639-9501 for a free consultation.