If you’ve been injured by someone else, whether it’s a car wreck, a trucking collision, a slip and fall, a motorcycle or bicycling wreck, or even as a pedestrian, you may need medical treatment.  Certainly not everyone who gets an injury has to see a doctor, but many people do.

If you’re hurt, it’s best to use your health insurance to pay the ER or doctors while you are getting treatment. Even injuries as common as whiplash can take months to resolve, and the defendant’s insurance isn’t going to pay as you go along. Using your own health insurance keeps the bills off your credit report while you’re trying to get better.

At the Miller Law Group, we’ve seen health insurance plans screw up these claims in two different ways. First, they’ll send back the bills to the provider, claiming they were “improperly submitted or coded” and delay payment, which makes you nervous about the bills.  DON’T let this worry you into settling too soon or paying those bills out of pocket: get an attorney to contact your health insurance and get them to pay, because in North Carolina, your health plan is LEGALLY OBLIGATED to pay for your treatment (the only exception is for a workers’ compensation claim.)

Second, while many health insurance plans may have a right to be repaid from your settlement, many do NOT have such a right, but they’ll try to assert it anyway. With over 50 years of combined personal injury experience, the attorneys at the Miller Law Group know how to negotiate with plans that DO have a right to be repaid, and we know how to SHUT DOWN the ones that don’t.

Click here to contact us today, or call 919-348-4361 for a free consultation. If we think we can help we’ll take the case and you won’t pay us anything unless we get you a recovery. Let us help YOU be the one who shuts down fraud by your own health insurance. We’ll handle that part of the claim at NO EXTRA CHARGE to our work on your main personal injury claim.  When you hire the Miller Law Group, we’ve got your back.

More on Avoiding Subrogation Fraud

Car Wreck Claim Information Series

Statutes of Limitations