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How Can I Pay My Medical Bills?

How Will I Pay My Medical Bills if I Can’t Work After an Accident?

Paying out of pocket for medical expenses following an accident is scary. It is terrifying if your injuries prevent you from working for a significant amount of time.

For help navigating coverage for medical expenses, including worker’s compensation, contact the personal injury attorneys of Bell & Pollock P.C.

Who Is Responsible for Paying My Medical Bills?

The person or company responsible for your injuries should ultimately be accountable for any medical bills you incur, especially if you can no longer work. The caveat is that until the insurance company processes and awards your claim, you are responsible for paying your medical bills.

Failing to pay your medical bills can negatively impact your credit. It may seem illogical, and you may experience some sticker shock when you begin to see the bills pile up, but there are options to help you.

Filing an Insurance Claim

Your insurance company will work to investigate your claim for compensation if you are not at fault for the workplace or auto accident. The opposing party in your lawsuit will not want to settle quickly, and successfully arguing for compensation can take time. Your insurance company may pay for some of your medical expenses while you cannot work and are pending a claim; however, this is sometimes contingent upon reimbursing them with the funds awarded in your settlement.

Medicare/Medicaid and Worker’s Compensation

Worker’s compensation involves benefits to workers injured on the job paid directly by the company. Benefits from Medicaid and worker’s compensation will also require reimbursement from your settlement. How much you will need to reimburse depends on the expenses and the coverage company.

Talking Directly with Your Medical Providers

Hospitals and medical providers are not the financially greedy monsters many assume them to be. While they are in the business of healing and saving lives, they are ultimately a business. When bills are due, they will call to collect.

It is worth giving providers a call if you are having trouble paying medical bills. They may be willing to place your account on hold or reduce your monthly bill if you tell them the reason behind your injuries and that you are pending the outcome of a settlement.

Talk with an Experienced Accident Lawyer

An experienced accident lawyer can help you identify what appropriate compensation benefits look like for you by calculating lost wages, medical expenses, and pain and suffering.

Consulting with an accident lawyer is beneficial even with insurance and worker’s compensation coverage. Months of waiting and relying on insurance or worker’s compensation can leave you wondering if you will have enough in your settlement to cover your medical expenses.

Bell & Pollock P.C. is a personal injury firm with experience advocating for negligently injured workers or victims of an accident. We can help you get back on your feet while fighting for fair and just compensation claims.

Contact us at (800) 559-5920 for information on how we can help you.

Now a Word from Bradley Pollock

Auto Legal Talk

By Bradley Pollock of Bell & Pollock Injury Attorneys

Medical Payments Coverage or “Med Pay” is optional coverage through your auto insurance that will pay for your medical bills if you’re injured in an auto accident regardless of fault. If you haven’t expressly waived Med Pay in writing, it’s presumed you have $5,000 in minimum coverage. You can find the amount of your Medical Payments Coverage on the “declaration page” of your auto insurance policy and purchase a higher amount of Med Pay by talking with your insurance agent.

Med Pay extends to your passengers and family members that live with you. Your Med Pay will also provide coverage if you, or a resident relative, is struck by an automobile as a pedestrian under most policies. Med Pay covers the cost of the ambulance and emergency responders as first priority, then care you receive in an emergency room, and finally any other accident related care you receive until your coverage has been exhausted.

Do you need Med Pay if you already have health insurance? The answer is probably yes. Most health insurance policies require a co-pay or deductible leaving you to pay out of pocket. Even if the accident is the fault of someone else, their insurance will not pay for your injuries until your treatment is complete and you have agreed to settle your claim. This can leave you owing on bills in the meantime and send your account into collections if you’re unable to meet the out-of-pocket co-pays. Insurance companies know that having outstanding bills can be very stressful and use it as leverage to pressure you into settling your claim for less than what it’s worth.

The cost of care paid by your Med Pay is a damage that an at-fault driver is liable for, but unlike health insurance, Med Pay does not need to be paid back after you resolve your claim with the at-fault driver’s insurance.

Often injured people refuse transport in an ambulance because they are afraid of the cost, leaving serious problems to go undetected, worsening their injuries. Medical Payments Coverage is protection against that fear. You should not waive your Med Pay. Instead, if at all possible you should increase your coverage above the automatic $5,000 in coverage.

To Learn Even More . . .

Visit our website to listen to the show on this subject and all of our other radio shows on various legal topics.

If you have any questions about the topics discussed in today’s newsletter, or questions on other legal issues, give our office a call and one of our attorneys would be happy to talk with you.

More Information

Get more information about your rights and options following an accident by checking out one of our helpful BOOKS: THEY ARE FREE.

  • Don’t Get Hurt Twice in the Same Accident – This enlightening guide dispels some of the most common (and harmful) myths about car crashes, insurance companies, attorneys, and financial recoveries.
  • The Essential Guide to Car Insurance in Colorado – This guide helps all drivers better understand car insurance. If you’ve ever had a question about a claim, dispute or car insurance in general, this is a must-read.
  • Cowards of the Street: Hit & Run – This book uncovers the facts about hit and runs and how to financially recover from these crashes. It also shares about what you can do to protect yourself before and after a hit and run accident occurs.
  • Colorado’s Workers’ Compensation: The Ultimate Guide – This insightful book reveals everything you need to know in order to protect your rights as a worker – and to position a Colorado workers’ compensation claim for success.
  • Legal Game Plan – This educational book helps you better understand insurance company’s hidden game plan…and come up with one on your own!
  • Motorcycle Accidents (or How to Go Full Throttle Against the Insurance Companies) – This informative read will help motorcyclists come up with a plan of action to combat the insurance agencies. If you ride a motorcycle, you need this book.
  • 18 Mistakes You Could Make to Destroy Your Injury Claim – Found within is a precise guide regarding a trove of detailed mistakes one should avoid when pursuing a successful resolution to ones case. This work helps answer questions and details advice to protect oneself from common pitfalls and perils associated with a compensation claim.
  • Distracted Driving and Your Injury Claim  This comprehensive work assists all drivers in understanding the dangers of distracted driving and its relationship to your injury claim.
  • Premises Liability (Landowner Responsibility and Injury Recovery) – This definitive piece renders the details behind the history of the Premises Liability Law in Colorado and highlights examples of responsibility which further offers a practical guide for injured victims.

Call our office to request copies of our books. THEY ARE FREE. You can also request a copy of any (or all) of these books on our website. You can download a free electronic copy anytime. And be sure to tune in to our weekly radio show to learn more about a variety of legal topics.

A Colorado law firm that puts people first. Your case matters

We’re ready and eager to tackle whatever tough personal injury issue you’re dealing with in Denver and all of Colorado. Your case matters here.


(303) 795-5900


Bell & Pollock, P.C.

7555 E Hampden Ave #200
Denver, CO 80231


(800) 559-5920

Steamboat Springs:

Bell & Pollock, P.C.
505 Anglers Dr #104
Steamboat Springs, CO 80487


(970) 870-8989

-By Appointment Only

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