You may wish to seek immediate financial relief after your personal injury accident and thereby file a claim with your health insurance provider straight away. However, as time passes, you may decide to hold the party at fault for your accident accountable and file a personal injury claim against them. In this case, you may wonder if you can collect from your health insurance and the at-fault party. Well, please follow along to find out whether you have to return your health insurance payout after a claim payout and how one of the proficient Panama City personal injury attorneys at Manuel & Thomspon, PA can work to ensure you get an appropriate amount of coverage regardless.

What medical care costs can my health insurance provider possibly cover?

The financial coverage you receive after your personal injury accident largely depends on the health insurance plan you have bought into. But generally speaking, your provider may cover the cost for any culmination of the following incurred medical expenses:

  • Your appointments with your primary healthcare provider.
  • Your emergency room visits and overnight hospital stays.
  • Your X-rays and other tests required for your official diagnosis.
  • Your required surgical procedures and rehabilitative services.
  • Your prescription medications and medical assistive equipment.

To successfully deduct these medical expenses, you must provide your insurer with a statement and itemized invoice detailing the names and addresses of the entities you paid, the amount and date of each payment, the exact medical care you received, the nature and purpose of your medical care, and more.

Do I have to return my health insurance payout after a personal injury claim?

It is okay for you to pursue a personal injury lawsuit against the at-fault party of your accident after filing a claim with your health insurance provider. In fact, it may be in your best interest if you also require significant financial compensation for economic and non-economic damages besides medical bills. This is whether it be your lost wages or earning capacity, your pain and suffering, or otherwise.

However, you must understand that your provider has the legal right to place a lien against any settlement or judgment you receive from the at-fault party. This action is otherwise known as subrogation. In short, your provider is not legally obligated to pay for the medical costs caused by the negligent party’s action. This condition may be referenced in your signed health insurance policy or subrogation agreement.

Before this is executed, though, you may ask your hired attorney to negotiate with your health insurance provider to reduce the amount they ask you to repay on your behalf. Here, your attorney may ask your provider to please consider the attorney fees, court fees, and other legal fees you incurred when undergoing the personal injury claims process.

To ensure you do not go through this critical yet complex process by yourself, please reach out to one of the talented Panama City personal injury attorneys. Our team at Manuel & Thompson, PA is more than happy to serve you.