I Lack Health Insurance. Who Will Be Responsible for Paying the Medical Bills? Is it Covered by the Attorney?

If you lack health insurance, you probably have many questions and concerns about how to pay for medical treatment after an accident. If your injury resulted from another party’s negligent or wrongful actions, you can hold them financially accountable for your losses.

However, securing full and fair personal injury compensation can take time, and you may wonder who will be responsible for paying your medical bills while you wait. An Atlanta personal injury lawyer with our firm can help you explore options for covering your healthcare costs and help you fight for the damages you need to get back on your feet.

Will Your Attorney Pay Your Medical Bills?

If you do not have health insurance, you may have several options for paying for medical treatment while your case gets resolved, including making arrangements with your attorney if the firm you choose to represent you offers this service. Other ways to manage your medical expenses may include the following:

• Arrange a payment plan. Your healthcare providers may be willing to work out a plan that will allow you to pay down your medical expenses in a way that is manageable for you and your family. We can help you work with your doctors to establish a payment schedule that will help you avoid late fees, penalties, or getting turned into a medical debt collection agency. 
• Arrange for a medical lien. According to O.C.G.A. § 44-14-470, healthcare practitioners, hospitals, and medical facilities can file a lien for treatment costs. The lien gives them the right to recover reasonable medical expenses from your settlement or verdict. We can help you work out a fair lien agreement. 
• Medical payments or personal injury protection insurance (PIP). Though not required in Georgia, drivers can add MedPay or PIP to their auto insurance policies. If your injuries resulted from a motor vehicle accident, this coverage will pay for medical expenses, regardless of who was at fault for the crash. 
• Negotiate your bill. We may be able to negotiate a lower payment with your healthcare providers. We can also review your bills to ensure there are no overcharges, unjust charges, or surprise fees.

For a free legal consultation, call (404) 888-8888

Personal Injury FAQs

In Addition to Medical Costs, What Personal Injury Damages Can You Recover?

The goal of a personal injury claim or lawsuit is to get the victim back to the same (or better) financial situation they were in before they incurred accident-related losses. To that end, we will work tirelessly to recover your current and future medical expenses, so you have the money to pay your providers once you settle your case.

Medical compensation may include the following:

• Ambulance services
• Emergency department treatment
• Surgeries and medical procedures
• Hospital stays
• Doctor’s fees
• Mobility aids, medical devices, and medical equipment
• Prescription drugs
• Physical therapy
• Rehabilitation
• Long-term nursing

In addition, an attorney with our firm can also pursue the following economic and non-economic damages:

• Lost wages, earnings, and employment benefits
• Lost future earning capacity
• Personal property damages
• Household services
• Physical pain and suffering
• Emotional and mental anguish
• Loss of enjoyment
• Diminished quality of life

You Have Rights, Even if You do Not Have Health Insurance

If you need emergency medical care, doctors and hospitals cannot refuse medical services, even if you do not have health insurance. Furthermore, the No Surprises Act, which went into effect on Jan. 1, 2022, guarantees other rights to the uninsured.

According to the Centers for Medicare & Medicaid Services (CMS), the act mandates that healthcare providers give patients a good-faith estimate of their treatment costs at the time of their appointment (or three days in advance if pre-requested). If your medical bill ends up more than $400 above the estimate, you can dispute the charges. Note that estimates will not be provided for emergency services.

The No Surprises Act also helps insured patients avoid unexpected out-of-network charges for emergency and non-emergency care. We can tell you more about how this legislation may apply to your case or affect the medical bills you owe.

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If You Are Already Struggling With Bills, Can You Afford an Injury Lawyer?

When faced with concerns about how to cover your medical bills, you may question whether you can afford an attorney. Because we do not want the cost of legal representation to add to your stress or stand in the way of justice, our law firm serves personal injury clients on contingency. Our payment comes out of your successful settlement or verdict, and we only collect fees once we obtain compensation for you.

We can help you figure out your medical bills, relieve your legal burden, and fight for the maximum compensation possible. While you focus on your recovery, we will do the following:

• Investigate your accident, collect evidence, and prove liability for your injuries and losses
• Identify and calculate your damages
• Prepare and file insurance claims and legal documents
• Track and adhere to case deadlines
• Communicate with insurance companies, opposing counsel, and other involved parties
• Aggressively negotiate on your behalf
• File a lawsuit and represent you at trial if necessary

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You Have a Limited Time to Pursue Compensation

In most instances, O.C.G.A. § 9-3-33 allows two years to file a personal injury or Atlanta wrongful death lawsuit in Georgia, though there are circumstances that could shorten or lengthen the deadline. If the statute of limitations expires, you may be unable to recover compensation.

Our legal team can help you act before time runs out. We assist with cases arising from (but not limited to) the following:

• Car accidents
• Atlanta truck accidents
• Atlanta Motorcycle accidents
• Bicycle accidents
• Pedestrian accidents
• Atlanta Slip and falls
• Dog bites
• Nursing home abuse and neglect
• Medical malpractice

Contact Bader Scott Injury Lawyers for a Free Consultation

If you have mounting medical bills and other expenses from an accident you did not cause, you deserve help with your payments. Contact Bader Scott Injury Lawyers to learn more about how our attorneys can help you cover your medical costs, even if you lack health insurance.

Let us help you seek economic justice from the party who hurt you or your loved one. Schedule a risk-free, no-obligation consultation today.

Call or text (404) 888-8888 or complete a Free Case Evaluation form