WHAT SHOULD I DO ABOUT MY MEDICAL BILLS?

Managing Medical Bills During Your Lawsuit

1. Understanding Advance Pay Obligations in Montana: Montana law is clear, and if liability for an accident is reasonably clear, an insurer is obligated to advance pay your accident-related medical bills as they are incurred.  Insurance adjusters often will not volunteer this information to you, which is why you should have a skilled advocate fighting for you and making sure your bills get paid.  

2. The Role of Underinsured Motorist Coverage (UIM), Uninsured Motorist Coverage (UM), and Medical Payments Coverage:  In addition to having liability coverage which is legally required in Montana, you may have purchased additional elective coverages from your own insurer like UIM, UM, or Medical Payments coverage.  These coverages can pay your medical expenses and wage loss if the person who injured you didn’t have enough insurance or worse yet - didn’t have insurance at all.  

4. Negotiating with Medical Providers: In some cases, it is possible to negotiate lower payment amounts or payment plans with healthcare providers and health insurers.  An experienced injury attorney in Billings MT like Craig Hensel can often assist in these negotiations or advise you on the best approach.

5. Seeking Compensation Through Your Lawsuit:  Ultimately, your lawsuit aims to recover the costs of your medical bills from the party at fault.  This includes both incurred medical expenses and any future medical care you may require because of your injuries.

Medical Bills in Lawsuit: What You Need to Know

It is important to understand that dealing with medical bills is an integral part of the recovery process in a personal injury case.  Craig Hensel is committed to ensuring that not only are all your medical expenses paid, but that you are also adequately compensated for the care you are going to need in the future.  

Why Choose Hensel Law PLLC?

• Expertise in Billings, Montana Law: With a deep understanding of local laws and insurance policies, Craig Hensel can navigate the complexities of your case to maximize your compensation.

• Personalized Legal Strategy: Every case is unique, and so is every strategy to manage medical expenses.  You will receive personalized advice tailored to your specific situation.

• Commitment to Your Recovery: Beyond just legal representation, Hensel Law PLLC is dedicated to your overall recovery, including the financial aspects of dealing with medical bills.

Final Thoughts

The stress of mounting medical bills after an accident can be overwhelming, but you don't have to face it alone.  With the right legal guidance and support, you can navigate this aspect of your case with confidence.  If you are struggling with medical bills following an accident in Billings, MT, reach out to Hensel Law PLLC for expert advice and assistance.

Remember, taking proactive steps to manage your medical bills is crucial, and securing legal representation can significantly impact the outcome of your financial recovery.  Let Craig Hensel help you through this process, ensuring you can focus on what is most important—your recovery and getting back to your life.