Your purchased health insurance plan may cover the bulk of your incurred medical expenses after your personal injury accident. But the severity of your incurred injuries may expose the true limitations and caps imposed on your coverage plan. With this, you may find yourself left with a debilitating amount of out-of-pocket expenses. If this is your current financial predicament, please read on to discover how to make your medical care more affordable and how a seasoned Parsippany, New Jersey personal injury lawyer at Macri Law Firm can help you get the treatment you need for your injury.
Why is it important to get medical care immediately after my personal injury accident?
To get an appropriate amount of medical coverage, you must first seek immediate medical care following your personal injury accident. This is for the sake of your upcoming health insurance claim or settlement. That is, your health insurance provider wants you to establish a clear link between your accident event and your incurred injuries. Otherwise, they may argue that they are unrelated, that you did not take your injuries seriously, or that you prevented the effectiveness of your treatment and recovery process. In short, they are a business looking to meet their bottom line, and they may attempt anything to lowball or flat-out deny your compensation.
How can I make medical care for my injury more affordable?
Even though you understand the criticalness of seeking immediate medical care, understandably, the one thing holding you back may be fear that your health insurance provider may not cover it or enough of it for you to survive financially in its aftermath. Still, we urge you to prioritize your physical health and consider these alternative medical care options that may make it more affordable for you:
- Your personal injury protection (PIP) coverage: This is for if you are involved in an auto accident. Here, you may receive a minimum of $15,000. Or $25,000 for you and $50,000 for your accident if you opted for increased coverage.
- The New Jersey Hospital Care Payment Assistance Program: This is for if you are uninsured or underinsured and meet other income and asset criteria. Here, you may receive free or reduced-cost care for inpatient and outpatient services at acute care hospitals.
- Veterans Affairs (VA) healthcare: This is for if you served in the active military, naval, or air service and did not receive a dishonorable discharge. Here, you may receive coverage for inpatient hospital services, urgent/emergency care, prescriptions, etc.
- Medicaid: This is for if you are an eligible low-income individual or part of an eligible low-income family. Here, you may receive state and federal financial assistance.
- Medicare: This is for if you are an eligible individual who is 65 years of age or older. This is primarily federally funded healthcare assistance.
To ensure you do not go through this critical yet complex process by yourself, please reach out to a competent Parsippany, New Jersey personal injury lawyer. Our team at Macri Law Firm is more than happy to serve you.
