Medical bill reimbursement and health insurance subrogation

As motorcycle accident lawyers, the attorneys at Kass & Moses regularly engage in negotiations to recover on behalf of our clients who were injured in motorcycle accidents. While much of our time is spent negotiating and/or dealing with insurance companies like Allstate or State Farm, we also spend a great deal of time negotiating with medical providers.

When a rider is injured in a motorcycle accident, he or she is frequently treated by several different medical providers. These may include: the ambulance/EMS that carried the victim to the hospital, the hospital/emergency room, emergency room physicians and radiologists, primary care physicians, orthopedists, surgeons and/or physical therapists. The question then becomes, how do these providers get paid?

There are several methods by which a medical provider will be paid for their expenses, these include: medpay insurance, health insurance and/or payment by the injured party.

• Medpay is a type of insurance that may cover the first, $1,000.00, $5,000.00 or sometimes $10,000.00 of medical expenses
• Health Insurance: is the typical payor of health insurance costs
• The medical provider/doctor/EMS may front the expense of the treatment which must in turn be paid by the injured party

No matter who pays for the medical treatment up front, medpay or the insurance company or the medical provider expects to be reimbursed for their expenses out of the settlement proceeds.

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This often surprises our clients.  They are confused and sometimes angry that the insurance company they’ve paid premiums to for years expects to be reimbursed for their expenses. It’s actually a matter of contract law. When you sign up for health insurance, you usually contractually agree to reimburse them for money they pay on your behalf to medical providers who treat you when you are injured by someone else.

One of the big advantages of hiring a motorcycle accident lawyer is that we will negotiate with your medpay provider, health insurance company or with the doctors directly to reduce your medical bills. We are regularly successful in reducing our clients’ medical bills. In some cases, depending on the insurance policy at issue, we have reduced our clients’ medical bills which were over one hundred thousand dollars down to pennies on the dollar.

If you or a loved one has been involved in a motorcycle accident and have medical bills or a claim for subrogation by your insurance company, contact the motorcycle accident lawyers at Kass & Moses today.