How to Get Medical Treatment After an Accident Without Health Insurance

Many accident victims in the San Fernando Valley worry about how to pay for medical treatment when they do not have health insurance. The good news is that you have options, and lack of insurance should never prevent you from getting the care you need.

Medical Liens (Letters of Protection)

Many doctors and medical providers will treat accident victims on a lien basis. This means the provider agrees to defer payment until your personal injury case settles. The medical bill is paid out of your settlement proceeds. Your attorney can help you find providers who accept liens.

MedPay Coverage

If you were in a car accident, check your own auto insurance policy for Medical Payments (MedPay) coverage. MedPay pays for your medical bills regardless of who was at fault, typically up to $5,000 or more. Many California drivers have MedPay without realizing it.

Emergency Room Care

Under federal law (EMTALA), hospitals cannot refuse to treat you in an emergency regardless of your ability to pay or insurance status. If you have been seriously injured, go to the emergency room immediately. Financial concerns can be addressed later.

Medi-Cal

If you are a low-income California resident, you may qualify for Medi-Cal, which can cover your medical treatment. If Medi-Cal pays for treatment related to your accident, they may seek reimbursement from your settlement.

Why Delaying Treatment Hurts Your Case

Insurance companies look for gaps in medical treatment. If you wait weeks or months to see a doctor, the insurance adjuster will argue that your injuries were not serious or were caused by something other than the accident. Seek treatment within 72 hours of your injury if at all possible.

We Can Help

Attorney Ron Fomalont works with a network of medical providers throughout the San Fernando Valley who treat accident victims on a lien basis. We can connect you with doctors, chiropractors, and specialists who will treat you now and accept payment from your settlement.

Call (310) 459-9400 for a free consultation. No fee unless we win your case.