So, you went to the hospital or you went to a lot of other doctors to use your health insurance. That’s not a bad thing in the reason why because they have to reduce the bills from whatever the bill is to the fee structure. However, if it’s health insurance and you’re involved in a car accident or another accident, health insurance is going to want to get paid back. It’s called subrogation. The reason why because it’s a health-related issue and one’s an accident-related issue.
So, health insurance does not want to pay for your accident because it’s not accident-related. But the benefit is that that medical bill, typically the hospital’s, the bill is high, and they have to do a fee structure to that hospital fee structure, so the bill is lower. If it goes through your straight auto insurance that bill, they want the full amount at the time of settlement.
Medical liens take a little bit of time. We’re not HMO pays or PPO pays or your health insurance or whatever it is paid we have to see what they paid and we have to try to negotiate with them and pay them back, from the settlement from the at-fault party settlement that we get for.
So, it’s great to have health insurance it’s really good that it reduces the bill substantially but because of health care liens it takes longer because we need to find out what they paid, get that lien and negotiate with them and pay them back so we’re in this process on negotiating health care liens it takes stronger because of that reason, but at the same time your medical bill that would be up here is now over here and then we just got to reduce the bill from there. If you have any questions on this of course call the office at 833-4-BAD DAY (833-422-3329).
(Transcript from the video, transcribed but not reviewed)
