Health Insurance and Oklahoma City Motorcycle Accidents
Dealing with providers from your health insurance after a motorcycle accident in Oklahoma City is likely the last thing you wish to do. Healing, not paperwork, should be your priority. With the help of an experienced attorney, you could rest assured that a legal professional could work hard to obtain the compensation you need. Speak to an attorney today.
The Importance of Health Insurance Following a Motorcycle Wreck
Having health insurance ready to respond to the aftermath of a motorcycle accident could be helpful to get the medical treatment needed.
The main benefit of having health insurance is if a person is involved in a motorcycle accident, they are able to go to their own doctor. A lot of doctors do not treat individuals who do not have insurance, but if they have a family care physician or a hospital they go to regularly, then victims could use their insurance and their health insurance could later be reimbursed.
Sometimes, it is hard to find a medical provider if an individual does not have health insurance. If a person does not have health insurance and is injured in a motorcycle accident, they would fill out what is called a lien and they would then be treated. The medical provider files the lien in Oklahoma County. If there is any settlement or verdict in the end, the medical provider would collect from the settlement verdict. That is called treatment on a “lien basis”.
Limitations to Health Insurance and Paid Sick Leave in Oklahoma City
A person’s health insurance coverage or paid sick leave from work could limit recovery for their motorcycle accident because health insurance companies have in their policy a right of subrogation. This is the right to be reimbursed for any third-party claim. In a motorcycle accident, if the car insurance company settles with the individual, the individual’s insurance company would have a right to be reimbursed.
Health insurance companies may require that people reimburse them for paid medical expenses if the person receives a settlement, depending on the policy language that the employer has or that they signed with the health insurance company but, generally, they have a right to be reimbursed. It is a subrogation agreement and the individual’s policy varies sometimes. Some Blue Cross Blue Shield policies do have that in there, while some BCBS policies do not. It just depends on the policy that they sign with the company. However, the vast majority of health insurance companies in Oklahoma have a subrogation requirement in their policy.
While most policies ask for their share of the settlement, some reduce what they might ask for based on attorney’s fees.
First Steps Following a Motorcycle Accident in Oklahoma City
The first things a person should do regarding their health insurance following a motorcycle accident are to seek medical treatment and do what the doctors advise. After that, an individual can find out what their health insurance is paying. They could get their explanation of benefits (EOB) to find out what they have actually paid on it, but the priority is to get the medical treatment that is needed.
In regards to the health insurance company, an individual could contact a lawyer either before or after. They do not have to sign a contract with an attorney, but it does not hurt to contact a lawyer first to find out what one’s rights are.
Work with an Experienced Motorcycle Wreck Attorney
Some of the benefits of working with a personal injury lawyer when dealing with health insurance companies after a motorcycle accident are that the lawyer could obtain the subrogation amount reduced. If the settlement math does not work, a lawyer could file with the court and have a judge decide how to divvy up the settlement proceeds if the health insurance company’s claiming more than what the settlement’s worth or what the liability insurance policy limits are.
After an Oklahoma City motorcycle accident, health insurance providers could prove difficult to deal with when you are in the middle of recover. Instead of losing precious time that could be spent on healing, let an attorney vie for the compensation you need. Call today.