Why Did My Health Insurance Company Stop Paying For My Car Wreck-Related Medical Bill?

After a car wreck, it is generally a good idea to use your health insurance for medical treatment, including the hospital emergency room, general practitioner, orthopedist, and all other providers. That is because the at-fault party (or their insurance company) are not required to pay your medical bills as you incur them.  Rather, those bills should be included in any settlement you may reach in the future.  By going through your health insurance, you avoid racking up expensive medical bills and being directly responsible to providers.  

Your Health Insurance Carrier May Have A Claim For Reimbursement Out Of Your Settlement

As discussed in other articles, it is very important to remember that your health insurance company likely has a claim for repayment of any medical expenses they paid out and will put their hand out for reimbursement out of any settlement you may get in the future.  You may even receive a letter in the mail from your health insurance company asking about the wreck.  

Why Is Health Insurance Refusing To Pay My Medical Bills?

But why did your health insurance company refuse to pay or stop paying for car wreck-related medical bills?  This usually happens for one of a few reasons.  

First, if you ignored their letters asking questions about the accident, your health insurer may say that you are not cooperating with them under the terms of your insurance contract and will therefore refuse to pay for your medical expenses.  That’s why it is important to keep them in the loop during your car accident claim.

Second, sometimes a health insurer will stop paying medical bills when they believe you have other (primary) insurance to pay for those bills.  This may include medical payment (Med-Pay) coverage through your auto policy, or, if the accident is work-related, where workers compensation may be responsible for medical bills.  

If your health insurer is refusing to pay for wreck-related medical bills, it is important to get in touch with them to understand why they are refusing to pay.  If they incorrectly assume that you have Med-Pay coverage or that your claim is going through workers compensation, you will want to correct them.  

Have You Been Injured In An Accident And Your Health Insurance Is Denying To Pay Medical Bills?

If you have been injured in an accident and are having trouble with health insurance paying medical bills  contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Hammond, Lacombe, Pearl River, and Slidell.