When you or your loved one is injured, the last thing you want to worry about is how to pay for medical care. We understand that. We also know that insurance companies and third-parties rarely pay medical bills up front and often deny responsibility. This delay can cause serious financial difficulty for persons and families who have been in an accident.
We will work with doctors and hospitals to make sure you receive the help you need.
In some cases, we can arrange a letter of protection. A letter of protection is a document that helps persons who have suffered injuries in an accident get help with medical treatment costs. A letter of protection allows the injured party to obtain medical care they otherwise cannot afford on credit or cash, in exchange for a promise to pay for the services directly out of a settlement or judgment. It forms a contract with the healthcare or medical provider to treat you for your injuries, while the doctor agrees that his or her invoices will be paid later once you recover. They are utilized in all types of personal injury claims including car accidents, slip-and-falls, on-the job-injuries or any other injury caused by negligence.
The letter makes it clear that the outstanding dues will be deducted from the cash settlement and paid to the doctor first before the settlement money is handed over to the client. In return the letter of protection will stipulate that the doctor not bill you as long as the case is in the settlement stage and not to refer your case to debt collection agencies or take other steps to hurt your credit score during that time.
When you do receive a recovery or cash settlement, any outstanding medical dues are cleared using funds from the settlement. The lawyer clears the doctor’s outstanding debt first.
This is not just a letter asking the doctor to treat you for free while your case is in court. A lawyer must pay the doctor any outstanding dues as soon as the cash settlement is received. And, if there is no recovery, then the injured person is still responsible for the bill and the medical provider retains the right to seek payment just as before.
The most important thing you can do is to immediately retain an experienced lawyer to make sure you are receiving the necessary advice, care, and treatment that you deserve.
If you have suffered injuries in an accident and are having trouble paying your medical bills, then call us for a free consultation today. We have the experience you can lean on.