When you or a loved one is hurt in a collision, the first priority is clear: get the best medical treatment you can. But right behind that comes the question nearly every client asks —How do I pay for it?
Medical bills can pile up quickly, especially if your injuries keep you from working. The good news is, there are several ways to cover treatment while your case moves forward. At Hasty Pope, we walk every client through these options and build a plan tailored to their needs.
Here are the three most common paths we discuss:
1. Health Insurance
If you have health insurance, this is usually the first place we look. We work with you to identify the best providers in your network and coordinate your care so you get the treatment you need.
Why it matters: Health insurance often helps reduce the upfront burden of medical bills. Even though your health insurance provider may seek reimbursement later through a process called subrogation, using your coverage allows you to focus on recovery right away.
2. Medical Payments Coverage (MedPay)
MedPay is an optional benefit that may be included in your auto insurance policy. Not everyone has it, but if you do, it can be extremely valuable. MedPay helps cover medical bills regardless of who was at fault in the crash.
Why it matters: MedPay can provide immediate relief by paying medical bills as they come in. It can be used alongside health insurance and helps bridge the gap while your case is pending.
3. Medical Funding
If you don’t have health insurance or MedPay, there’s another option: medical funding. These are third-party companies that step in to cover your treatment up front. Once your case resolves, they’re reimbursed from your settlement or verdict.
Why it matters: Medical funding can make the difference between getting the treatment you need now or waiting in pain. The trade-off is that repayment rates can be higher than traditional insurance, which is why it’s important to weigh the pros and cons carefully.
Why a Lawyer Matters
Each option comes with unique benefits and challenges. What works for one client may not work for another. That’s why the most important step is having a lawyer who will sit down with you, explain your choices, and create a plan that puts your health first.
At Hasty Pope, we don’t just handle cases, we take care of people. And making sure you get the care you need is always OUR priority.