Personal injury, and your road to recovery
If you are reading this, it's likely that you were injured and have many questions. If that sounds like your situation, then you are in the right place!
Keep reading for answers to the questions in bold below:
"Am I going to recover from this?"
Every recovery is dependant on the injuries sustained, and the way they are treated. Because of this it is important to have a team of specialists who have good communication, and understand what it is that your injuries need, as well as what documentation your legal team will need if you are in a suit.
So you can rest easy knowing that all the specialists you need are all under one roof, which means solid communication, less commuting around for treatments, and a more streamlined treatment process for you!CALL NOW
"Who's at fault, and do I need a lawyer?"
While fault is not something we determine. The course of treatment you recieve and proper documentation of the treatment you recieve, helps to paint a clearer picture of what happened and helps you or your legal representative to establish a stronger case for you.
As for if you need a lawyer, that is a decision you will have to make based on your assesments of your situation. However if you do need one just ask, we work closely with a strong network of personal injury attorneys who will fight for you!
This means that your treatment plan will be tailored to assist your recovery as well as help build the best documentation of your situation, ensuring that you have greater odds of recovery and successfully defending your case.CALL NOW
"How will I afford my treatment?"
When it comes to the topic of paying for your treatment, there are four ways things get paid for:
Your Personal Health Insurance: Your personal health insurance coverage is the primary source of coverage for any medical bills arising from the treatment of car accident injuries. It’s going to work the same way that it does for any other covered medical expense that you incur in your day-to-day life.
Don’t be worried about using your insurance, this the reason why you decided to purchase health insurance coverage to begin with. However, you should be aware that if you receive a settlement or judgment, your insurer will be entitled to recoup all payments it made on your accident claims.
The Other Driver's Auto Insurance: In the case of you not having health insurance coverage, you may be able to have your medical treatments costs covered by the auto insurance policy of the at-fault driver.
Keep in mind auto insurance policies only cover medical expenses up to the amount stated on the policy, so if the other drivers policy has coverage up to $100,000, and your treatment costs add up to $150,000, you will be personally responsible for the $50,000 that exceeds the other driver’s coverage.
Uninsured/Underinsured Motorist Coverage: Arizona law requires all drivers to carry auto insurance with a minimum bodily injury liability coverage of $15,000 per person and $30,000 per accident. Sadly, a high percentage of Arizona drivers don't follow this law.
If the driver who caused your accident had no insurance or had insufficient insurance to pay for your injuries, you can look to your own uninsured/underinsured coverage to pay your medical bills.
No Insurance Coverage of Any Kind: If you don't have any insurance coverage, your medical bills will have a lien placed on them. This lien will be paid off upon reaching a settlement for your case.
In the state of Arizona, there are some nuances when it comes to Medicaid (AHCCCS) and Medical Liens in Arizona. Some hospitals try and place liens on treatments for their personal injury patients that AHCCCS had already paid out for, this is in an attempt to recover the balance between what the AHCCCS paid and the rate the hospital usually charges.
This practice is called balance billing, and when you’re dealing with Medicaid (AHCCCS), it’s an unlawful practice. The medical provider can only accept the lien or Medicaid (AHCCCS), not both.CALL NOW
"What kind of insurance is accepted?"
- United Healthcare Optum Behaviorl
- Charter EPO
- Charter HMO / HMO Plus
- Charter POS
- Choice EPO
- Choice Plus HMO
- Choice Plus POS
- Core EPO
- ER Wrap
- Navigate EPO NON PAR
- Navigate HMO / HMO Plus NON PAR
- Navigate POS NON PAR
- Nexus ACO NR EPO
- Nexus ACO NR HMO
- Nexus ACO NR POS
- Nexus ACO OA POS
- Nexus ACO R EPO
- Nexus ACO R HMO
- Nexus ACO R POS
- Nexus ACO OA EPO
- Nexus ACO OA HMO
- NY Empire PPO
- Select EPO
- Select Plus HMO
- Select Plus POS
- United Healthcare Core Choice Plus
- Evercare Select
- AZ LTC NON PAR
- AARP Medicare Advantage (HMO)
- AARP Medicare Advantage (HMO-POS)
- AARP Medicare Advantage Walgreens (PPO)
- AARP Medicare Advantage Walgreens Plan 1 (PPO)
- United Healthcare Nursing
Don't see your policy?