2006-06-26 10:13:57 · 7 answers · asked by ambulance biller 1 in Business & Finance ➔ Insurance
I've done this for awhile (insurance).. depending on situation. if it's someone elses fault you in the hsptl..you bill their AUTO insurance 'cause they have a 'medical clause" that states how much they will pay. Then you file w/your MEDICAL but BE SURE to tell your insurance the situation so they can know. I've sent back ALOT of claims we shouldn't have paid 'cause the auto should have exhausted their medical $ 1st. Same thing if your at fault; file w/your auto insurance-check w/them to see how much your covered for medical expenses; then your medical
2006-06-26 17:04:11 · answer #1 · answered by makesuwonder7 2 · 0⤊ 0⤋
1
2016-09-24 21:42:46 · answer #2 · answered by Francisca 3 · 0⤊ 0⤋
The auto insurance is always billed first. Some people are reluctent to give their medical insurance information when they register at the hospital, however, this isn't in good practice.
Most auto insurance have a cap on medical benefits (some are state mandated) and depending on the nature of your injury and the subsequent care you may need as a result of that injury those benefits could exhuast.
Once they are exhausted, your medical health coverage will kick in leaving you with minimal, if any, coinsurances or deductibles owed.
By not giving your medical insurance information, you're leaving yourself open to higher bills from the hospital once the car insurance benefits expire.
All the above is of course, dependent on the person registering you at the hospital getting it right ... but if they don't register you properly at least you know how it is "suppose" to work
2006-06-27 06:32:03 · answer #3 · answered by leeemareee 1 · 0⤊ 0⤋
File it with your health insurance first. Contact them and tell them that there is possible third party liability involved. They may even come to you asking about this, since the medical treatment records will indicate "MVA" for Motor Vehicle Accident as the cause of the injury. They'll get the accident details from you and work it out with the other insurance companies.
It's all pretty painless (well, the insurance part anyway) on your end. Just make sure that you respond quickly to any queries about the accident or your health insurance may deny coverage. Also, make SURE that you do NOT admit any fault in the accident!
2006-06-26 13:39:34 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Health first in Texas. If the insured is at fault their auto will not pay,unless they have Med pay or Pip. You may have to subjugate against the other party and most Health care insurance providers will help with the process if it is a liability issue.
2006-06-29 09:26:03 · answer #5 · answered by bkhhmom 2 · 0⤊ 0⤋
The auto is usually primary (billed first).
2006-06-26 10:35:51 · answer #6 · answered by Anonymous 7 · 0⤊ 0⤋
If you are involved in an auto accident that requires you to go to the hosp. and you have medical ins. (that's what you give them at the time.)
When you are out and able to file with your Auto -- trust me.. that's what THEY get paid for is to "fight with" each other to determine who pays what.............
2006-06-26 10:17:56 · answer #7 · answered by Uwanna Kissimmi 6 · 0⤊ 0⤋