The United States is fortunate enough to have and use expensive medical technology to treat injuries and illnesses effectively. In turn, though, this lends to a higher cost of healthcare for the patients who receive these advanced treatments. Along with high administrative overhead costs and high prescription drug costs for little government regulation, the cost of healthcare may be unsustainable and astronomical even for those who carry health insurance plans. This is why the last thing you may want is to incur an injury from an accident and go through all this headache and hardship. That said, please continue reading to learn what to do if you cannot afford medical treatment and how an experienced Leonardtown personal injury lawyer at The Dorsey Law Firm can help you get your required coverage.
What are the affordable medical care options after my personal injury accident?
First of all, we encourage you to seek some sort of medical attention immediately following your personal injury accident. This is regardless of how serious you assume your injury is, along with how much you think this care will cost you. Nonetheless, we understand that these are major concerns for you.
So, one option we recommend is to have a trusted adult bring you to an urgent care facility rather than face potentially hefty ambulance transportation and emergency room visit bills. Or, maybe a community clinic in your area offers low-cost or sliding-scale fees for their treatments. Better yet, a free clinic supported by a nonprofit or charitable organization.
Importantly, though, the individual chaperoning you to any of these facilities should use their best judgment and confirm that you are not experiencing a life-threatening injury. Because if you are, an emergency response team is rather critical to keep you alive. Hopefully, you carry supplemental hospital indemnity insurance that makes this more affordable.
What if I cannot afford medical treatment for my incurred injury?
Unfortunately, even as a health insurance carrier, you may struggle to keep up with the medical bills piling up in the aftermath of your personal injury accident. Well, if you specifically experienced an auto accident, we would like to remind you about your personal injury protection plan (PIP). If you have chosen to purchase this optional coverage, your auto insurance provider is required to offer a minimum of $2,500 for your medical expenses and lost wages.
If yours was not an auto accident, or if you do not have PIP, then you may explore your eligibility options for Medicaid or Medicare. For one, Medicaid is a state and federally funded program for eligible low-income individuals and families. Secondly, Medicare is for eligible individuals 65 years of age or older. This is not to mention the potential for Veterans Affairs healthcare if you or an eligible family member served our country.
To ensure you do not go through this critical yet complex process by yourself, please reach out to a skilled Leonardtown personal injury lawyer. Our team at The Dorsey Law Firm is more than happy to serve you.
