No Insurance but need to pay for surgery? In today’s video, Personal Injury Attorney Ben Schwartz will give you some ideas on how to get the needed medical treatment you need if you have no insurance.
Hi, I am attorney Ben Schwartz,
Today we are going to answer a question from Kelly in Wilmington, Delaware. Kelly wrote in, and said, “I was recently bitten by a neighbor’s dog, and I need to have surgery on my face but I have no health insurance. How do I get money to pay for the surgery?”
So here is the thing Kelly, it would be great if you had health insurance. A lot of times when people come to my office, after a serious personal injury case and they do not have health insurance, we refer them to the State of Delaware to try to apply for Medicaid insurance, if their income or asset levels are low enough. So, I would say even if you do not currently have health insurance, you might qualify for Medicaid. You should apply for it. If Medicaid credentials you, and enrolls you, then they will retroactively pay for your hospital visit and the medical treatment.
Let’s say that you are in a situation where you don’t have the ability to qualify for Medicaid and you can’t afford private health insurance, what do you do to get the money to pay for the medical treatment you need from the dog bite? There are a few things, Number one, oftentimes when a dog bite happens on the dog owners’ premises, at their home, or in their apartment, they will have insurance and the insurance will cover a personal injury case against them. But it will also sometimes cover medical treatment regardless of whether you have a valid case or not regardless of whether you know anyone was at-fault, regardless of whether you fit under the statute that allows you to sue. This type of homeowners insurance or premises insurance is called Med Pay. Oftentimes homeowners will have five thousand, ten thousand sometimes more in Med Pay coverage and it pays for medical treatment regardless of who is at fault.
So, if you have been bitten by a dog, my advice is to ask your attorney to contact the insurance company for the homeowner or the business owner, whoever owns the dog, and inquire whether there is a Med Pay policy. If there is, they will tell you there is a five thousand Med Pay, ten thousand Med Pay policy, what have you. You take the claim number and give it to your doctor and let your doctor treat you and bill the Med Pay insurance and get paid for the services rendered.
Another way that you might pay for medical treatment for a dog bite-related injury is if you have an attorney and the attorney evaluates your case and says yes this is a good case. We think you are likely to get a settlement. The attorney could contact the doctor, or you know the surgery center or what have you, and offer to pay their bills out of your settlement or out of your expected settlement when you get one. This is called a letter of protection. It is a letter you sign, and your lawyer signs and you give it to the doctor and the doctor understands that he or she can treat you, do whatever is needed, and then when the case settles, they will get paid from the settlement.
These are the ways that we go about trying to make sure that people’s medical treatment is provided to them in these types of personal injury cases, dog bite cases. If you have questions for me about the law in general. If you have questions for me about personal injury cases in particular, please send me an email. I love to do these videos. I love to answer questions in the videos. My email address is email@example.com
Thanks for watching!