I enjoy medical insurance, why do I own to recompense spinal column medical expenses out of my auto quirk settlement?
A drunk driver rear-ended me in 2006, I have medical insurance that I wage for through my job. When my attorney told me the driver didn't have insurance I know I was in trouble. My auto insurance rewarded part of my medical, I paid my co-pays and continued to move about to the doctor/surgeons. When the attorney came to me and told me that I should settle because there be no more money I felt that I should so that I would not have to reward the firm anymore than was needed. But to my suprise he told me that I was going to hold to pay the doctors for the amount that my insurance company had compensated out. I thought what am I paying insurance premiums for? Is there anyone that can give me an answer to this? I don't come up with it's fair as I still have to stir for medical care for this accident and my insurance pays it in a minute.
Answers:
Say you did not hold medical coverage on your auto policy and you had no health insurance so you have to pay for all of your medical treatment yourself.
When you settle you injury claim, the money you would receive would reimburse you for your medical bills you salaried for out of pocket. Then any money left over would be yours.
It is the same principle; Since they compensated for your medical bills, they are allowed to be reimbursed what they paid so that you could get treatment.
accurate luck
So, you got salaried by your health insurance, and now you want to obtain paid for the same bills, from a saloon insurance policy.
That's called "double dipping" and is illegal. Your robustness insurance is entitled to reimbursement - otherwise, you come out AHEAD of the game! You cannot collect from two different insurance companies for the SAME thing. I'm sure you misunderstood - the settlement isn't going to money the doctor a second time, it's paying back the insurance that's already paid for your medical bills.
I'm not entirely clear, but this is what I think you're saying: Your medical insurance salaried for medical expenses related to this auto accident. Now you've received a settlement and you are being asked to reward back the medical insurance for what they've paid. Correct?
The source for this is because your medical plan is not responsible for charges that should be covered under another insurance plan. Medical expenses related to an auto fluke should be covered by your auto insurance. Your auto carrier is responsible for payment of those charges - your medical plan is not. Your medical plan go ahead and paid those charges, as a courtesy to you. But now that you've gotten a settlement from the insurance company, the medical plan have the right to ask for its money back.
It's called third gala subrogation.
It would be the same if you got injured at work. Ultimately worker's compensation most credible would be responsible for paying those bills, but oftentimes your medical plan will go ahead and pay them. They do that because while you're waiting on a settlement from the work comp mover (or in your case, your auto carrier), you could potentially be turned over to a collection agency for defaulting of medical bills. But your medical carrier goes ahead and pays them, near the understanding that when the case is settled, they'll catch their money back. It's actually deeply simple. Source(s): 16 years in medical insurance/employee benefits/claims processing
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Answers:
Say you did not hold medical coverage on your auto policy and you had no health insurance so you have to pay for all of your medical treatment yourself.
When you settle you injury claim, the money you would receive would reimburse you for your medical bills you salaried for out of pocket. Then any money left over would be yours.
It is the same principle; Since they compensated for your medical bills, they are allowed to be reimbursed what they paid so that you could get treatment.
accurate luck
So, you got salaried by your health insurance, and now you want to obtain paid for the same bills, from a saloon insurance policy.
That's called "double dipping" and is illegal. Your robustness insurance is entitled to reimbursement - otherwise, you come out AHEAD of the game! You cannot collect from two different insurance companies for the SAME thing. I'm sure you misunderstood - the settlement isn't going to money the doctor a second time, it's paying back the insurance that's already paid for your medical bills.
I'm not entirely clear, but this is what I think you're saying: Your medical insurance salaried for medical expenses related to this auto accident. Now you've received a settlement and you are being asked to reward back the medical insurance for what they've paid. Correct?
The source for this is because your medical plan is not responsible for charges that should be covered under another insurance plan. Medical expenses related to an auto fluke should be covered by your auto insurance. Your auto carrier is responsible for payment of those charges - your medical plan is not. Your medical plan go ahead and paid those charges, as a courtesy to you. But now that you've gotten a settlement from the insurance company, the medical plan have the right to ask for its money back.
It's called third gala subrogation.
It would be the same if you got injured at work. Ultimately worker's compensation most credible would be responsible for paying those bills, but oftentimes your medical plan will go ahead and pay them. They do that because while you're waiting on a settlement from the work comp mover (or in your case, your auto carrier), you could potentially be turned over to a collection agency for defaulting of medical bills. But your medical carrier goes ahead and pays them, near the understanding that when the case is settled, they'll catch their money back. It's actually deeply simple. Source(s): 16 years in medical insurance/employee benefits/claims processing
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