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Important Information About Paying Medical Bills Before Receiving a Personal Injury Settlement in North Carolina

Jan 10, 2023 Brown Moore & Associates Personal Injury

If you’ve been injured in an accident in North Carolina, you may be facing hefty medical bills as a result. These bills can be stressful and overwhelming, especially if you are unable to work and are losing income as a result of the accident.

If you are seeking a personal injury settlement to cover your medical bills and other damages, you may be wondering what to do about paying these bills in the meantime. Here’s what you need to know about paying medical bills before receiving a personal injury settlement in North Carolina.

Paying Medical Bills Before Receiving a Settlement

First, it’s important to understand that medical bills can be a significant expense after an accident, and they can add up quickly. Depending on the severity of your injuries and the treatment you receive, you may be facing thousands of dollars in medical bills. These bills can include hospitalization, surgery, physical therapy, medication, and other medical expenses.

If you have health insurance, your policy may cover some or all of these expenses. However, you may still be responsible for paying deductibles, copays, and other out-of-pocket expenses. In addition, some health insurance policies have limits on the amount of coverage they provide, which can leave you with significant bills even if your policy covers your treatment.

If you do not have health insurance, or if your policy does not cover all of your medical expenses, you may be responsible for paying the bills in full. This can be especially challenging if you are unable to work and earn an income.

So what can you do about paying medical bills before receiving a personal injury settlement in North Carolina? Here are a few options to consider:

  • Negotiate with your medical providers: It’s possible to negotiate with your medical providers to lower your bills or set up a payment plan. This may involve explaining your financial situation and negotiating a reduced rate or a payment plan that you can afford.
  • Seek help from a personal injury attorney: A personal injury attorney can help you navigate the process of seeking a settlement for your injuries and damages. They can also help you negotiate with your medical providers and work with your insurance company to get your bills covered.
  • Use a medical lien: In some cases, you may be able to use a medical lien to pay your medical bills. A medical lien is a legal agreement that allows you to receive medical treatment now and pay for it later, using your personal injury settlement as payment. Medical providers may be willing to accept a lien in lieu of payment if they believe you have a strong case for a settlement.
  • Consider financing options: If you are unable to negotiate a payment plan or use a medical lien, you may need to explore financing options to pay your medical bills. This could include borrowing money from friends or family, taking out a personal loan, or using a credit card. Be sure to carefully consider the terms and interest rates of any financing option before committing to it.

In conclusion, paying medical bills before receiving a personal injury settlement in North Carolina can be a challenging and stressful experience. However, by understanding your options and seeking the help of a personal injury attorney, you can find a solution that works for you. Remember to keep track of your bills and expenses, as these will be important in seeking a fair settlement for your injuries and damages.

At Brown Moore & Associates, PLLC, our Charlotte personal injury attorneys understand that covering medical expenses in the aftermath of an accident resulting from another party’s negligence can be a stressful experience. We help by aggressively pursuing the compensation you deserve. Contact us online or call us at 704-335-1500 for more information.