After a car accident, some medical providers may refuse to accept your health insurance. Hospitals are businesses too. They need money to pay for their doctors, nurses, and support staff. They need money to pay for their buildings and equipment. Many hospitals may refuse to accept your health insurance.
Health insurance companies negotiate discounts with hospitals and medical providers. These discounts may not exist if the hospitals do not accept your health insurance. In that case, you will have to pay the cash price.
The cash price is always higher than the negotiated health insurance rate. If the hospitals refuse to accept your health insurance, they may demand full payment once you settle your case. That way, the hospitals get more money.
Many health insurance companies demand that they be billed first. To find out, you’re your health insurance company and ask. It is almost always better to use your health insurance to reduce the total amount of your medical bills. Additionally, refusing to accept your health insurance may violate the law.
If you have any questions about your car accident, please request my free resources or contact me for a free consultation.
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