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Why Repaying Health Coverage Is Still The Best Deal For Most Accident Injury Victims- Assuming You've Got To Repay It

While it makes no sense that the wrongdoer who hurt you WON'T pay your medical bills as they come in, what does make sense is using your health coverage to pay, whether it's private insurance, Medicare, or Medicaid.

In this brief video, South Carolina injury attorney Rob Usry explains why repaying your health coverage can actually help your case- and why it's a good idea to use it in the first place. 


Our injury clients often want to know if they’ll have to pay back health coverage like insurance, Medicare or Medicaid for their accident bills. The answer is probably, but it likely won’t be as bad as you think. One things for sure, it’s way better than expecting whoever hurt you to pay your bills as they come in, because they won’t. It’s also better than telling your doctors that you’ll pay them from your settlement at the end because you can get stuck will the full amount of the bill, and you could even get referred to collection agencies by your providers which could hurt your credit.

The right of your health coverage to be repaid from your settlement is called subrogation. But it doesn’t exist in every case and a sharp injury attorney can help you figure out whether you even need to worry about it. As for paying it back, here’s why it’s likely a good deal for you. You get more money in the end. Your health coverage pays your medical bills at a discount, so, that’s less than your actual medical bills.  Legally most settlements account for the full value of your medical bills, so when you have to repay your health coverage, you’ve already gotten a discount. And in our cases where subrogation is involved we’re usually able to negotiate a lower repayment to your health coverage. That means you get a discount off the discount, which means you get more money that you probably need to catch up on other bills and regain financial stability after a severe injury.

So if you’ve got any questions about whether you need to repay health insurance for your accident injuries or just have questions in general about your case, feel free to start a live chat right where you are to get your questions answered by an experienced accident injury attorney. I thank you for thinking about this with me and I hope I see you soon.

Rob Usry
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Rob is a South Carolina personal injury and criminal defense lawyer.

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