Medical Bills Lawyer Trenton
Injuries and illnesses can occur during the worst times in our lives and take its toll out on both you and your loved one’s pocket. Even if you have insurance, it is rare for your plan to cover the entire medical bill, which leaves a portion for you to take on yourself. Even a smaller portion is still too much for an individual who has suffered from an injury or illness, and in some cases, the medical facility is not equipped to handle long-term payment plans. Many times, the sick individual was forced to take a lot of time off of work or may have been injured after losing their job making it even more difficult to take care of these bills.
When you are in a Car Accident in the State of New Jersey, the question of who is going to pay your medical bills is always a major concern for an injured victim. The laws governing medical bills in New Jersey are based on “No-Fault” principals. This means if you own a vehicle required to be registered in New Jersey, then you must have medical payments as part of the policy. Your policy covers you regardless of who was at fault in an accident, or which car you are operating or occupying. Many victims of car accidents assume that the medical bills will be paid for by the at-fault driver. After all, they caused the damages, so it only seems fair that they should pay for them. However, this is not the case in states such as New Jersey or the Commonwealth of Pennsylvania. In New Jersey, the bills are paid for by your own insurance. The logic for this is that establishing fault and obtaining compensation from an at-fault driver is a time consuming and sometimes tenuous process, while the aftermath of an accident requires immediate attention. In New Jersey, you have the option of electing many different levels of coverage for medical bills. These range from $250,000.00 less a $1,200.00 deductible to a “Dollar a Day” policy. However, this office recommends that you never get the “Dollar a Day” policy.
At The Law Offices of Greg Prosmushkin, P.C., our Personal Injury Attorneys and staff can assist you from the start with payment of your medical bills. Many times, when you visit your first doctor or hospital, they do not have any insurance information like the claim number or other critical information. Many times, they will bill your private health insurance first. This is important to note, because while your health insurance might receive the claim, they will most likely deny you the coverage, because your auto insurance will be the primary responsible party. In New Jersey, one can adopt a policy that leaves medical payments to your Private Health Insurance (PHI). It is a mistake to obtain this coverage, because you do not have the unfettered right to seek certain treatment and with other treatments, like physical therapy. In the case of repetitive treatments, most people are subjected to a limited number of treatments. You do not need to be fighting for your coverage through Private Health Insurance. We recommend that you obtain medical coverage through your automobile insurance, so that you do have the ability to treat with whomever you want, for as long as you are required to get the therapy.
Trenton Medical Bills Lawyer
If you or a loved one has questions about “how,” “when” or “who pays for treatment,” please call The Law Offices of Greg Prosmushkin, P.C. We can help, and the consultation is completely free. If we, at Greg Prosmushkin, P.C., fail to recover money to you, there is no fee or cost to you. This is our guarantee.
This content was written on behalf of Greg Prosmushkin.