Does Health Insurance Cover Car Accident Injuries?

Getting into a car accident and dealing with the aftermath is something that we would all prefer to avoid. Fortunately, depending on state and insurance coverage, you may not have to bear the financial burden that often follows. While auto insurance typically covers vehicle damage, it may not be helpful when it comes to dealing with injuries from the crash. Does health insurance cover car accident injuries? Understanding your options is essential to saving both time and money.

Will My Health Insurance Cover My Medical Bills?

Usually, your health insurance provider will cover a portion of your medical bills.  However, there are some scenarios in which that may not be the case.

Network Restrictions

Sometimes, depending on whether your auto insurance or healthcare provider is in or out of the network, this can result in restrictions for covering accident-related injuries.

Policy Issue

Depending on your health insurance policy, there may be a stipulation that states that injuries sustained in a car accident are considered “secondary.” This means that your car insurance provider is your “primary” insurer, and your health insurance will only step in once your car insurance is exhausted.

Differing Types of Treatment

Certain types of treatment, such as alternative therapies, may not be covered by your health insurance plan, resulting in out-of-pocket costs.

Outside of these specific situations, it is generally safe to assume that your health insurance will help cover any injuries after a car accident. It is essential to discuss your case with an attorney to ensure you are covered.

Will I Have to Pay Anything?

It generally depends on the policy. However, more likely than not, you will have to pay some form of a deductible or co-pay. Fortunately, aside from the co-pay, you should not have to pay any additional out-of-pocket costs that your insurance policy did not disclose ahead of time, depending on the state in which you live.

Reach Out to an Attorney for Assistance With Health Insurance Coverage for Car Accident Injuries

If you believe that your insurance provider is not abiding by the terms of your policy or is acting unfairly, you need the help of seasoned legal counsel. One of the knowledgeable and dedicated attorneys at Smith Hulsey Law could help you navigate the complex process of insurance disputes and fiercely advocate on your behalf to secure compensation. Call our office today for help determining if your health insurance covers car accident injuries.