Why Didn’t the Hospital Use My Health Insurance?
Oftentimes after a car accident, clients with health insurance receive a bill from the hospital within days and are immediately concerned. What they are looking at is usually a large balance that health insurance hasn’t made any payments towards.
When this happens, oftentimes the hospital has not actually charged your health insurance and instead chose to perform ‘third-party billing.’ When an individual has health insurance, medical providers and/or hospitals that take that type of insurance are paying a discounted rate compared to what somebody that was uninsured would pay.
When you’re involved in a motor vehicle wreck, hospitals often know that car insurance is involved, and instead of getting paid what the health insurance companies would pay them(pennies on the dollar), hospitals would much rather charge the full value of the bill as if you weren’t insured at all. This allows them to get paid back by those car insurance companies responsible for the wreck, and makes them more money in the long run.
However, an experienced personal injury attorney at Zinda Law Group can attempt to use this tactic to your advantage, and can even provide you with a free consultation in order to understand the ins and outs of your case.