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Spann Wilder Law, LLC

Contact Us For A FREE Consultation
843.266.7792 (office)  • 800.866.3830 (toll free) • 843.266-7797 (fax)
2131 Dorchester Road (29405) • North Charleston, SC 29405
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  • Auto Accidents
    • Do I have a Case?
    • Do I Need An Attorney?
    • When To Handle A Claim Without An Attorney
    • Accident Tips: Before & After
    • Protecting Your Claim
    • How Insurance Works
    • Property Damage
  • Workers’ Comp
    • History Of SC Workers’ Comp
    • Which Employers Are Required To Have Workers’ Comp?
    • Injury Entitlements
    • What To Do If You Are Injured
    • Arising Out Of And In The Course Of Employment
    • Pre-Existing Problems
    • How Long Before A Case Settles?
    • Workers’ Comp FAQ?
  • Social Security
    • What Does It Mean To Be Disabled?
    • SSI v. SSDI
    • The Process For Social Security
    • Social Security Advice
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    • Pedestrian v. Auto
    • Motorcycle Claims
    • Trucking Accidents
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    • Attorney Tiffany Spann-Wilder
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    • Verdicts and Settlements
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Health Insurance

If you are fortunate enough to have health insurance at the time you were injured in an accident, you should let your health insurance pay on their accident related expenses. Often we will hear, “Why should my insurance have to pay when the accident wasn’t my fault?” The answer is simple: Because the law allows you to do so and it will reduce the amount you are responsible to pay medical providers out of pocket before the case is settled. Once treatment is rendered, providers are not at all interested in waiting until your settlement for payment. You received the treatment so you are responsible for the bill and if payment is not received timely, they will turn your account to collection agencies.
If you’ve read our sections on liability and medpay, you know that you can recover from both of these insurance sources for injuries sustained as a result of someone else’s negligence. But you can also collect from your own health insurance company in addition to the liability and mepday benefits. Many hospitals will tell you that you cannot use your health insurance accident related care, this is not true. They just prefer to charge you at a full price rate versus the reduced rate they have agreed upon with your health insurance company. It is best to just present your health insurance card to the administrator processing your intake and not get into any lengthy conversation about which coverage you should use. If you have insurance, use it. Again, this person works for the hospital and is looking out for their bottom line. We work for you and have your interest at heart, they don’t!

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DISCLAIMER

The information you obtain on our website is not, nor is it intended to be, legal advice. It is always best to consult an attorney directly for advice regarding the specifics of the individuality of your claim. We welcome your calls, letters and electronic mail. Please do not send any confidential information to us until such time as an attorney-client relationship has been established as the information may be discoverable by the other party to your claim if we do not proceed with your representation. This website should not be considered as a description or characterization of the quality of the firm's representation and in no way should be interpreted as a guarantee of a specific result for your case. Every case is different and must be evaluated on its own merit.

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