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A Virginia Emergency Room Visit: How The Hospital Makes You Pay

January 20, 2013 by The Parrish Law Firm

An emergency room visit after a car accident injury is a chaotic experience, and while your only worry is receiving quick and proper treatment for yourself and your family, the hospital staff’s goal is to get you to sign those medical papers they are shoving under your nose.

We’re here to warn you about the position those signed papers could put you in, and what we would do about it.

Hospital Seeks Payment From Your Automobile Policy, and Not Your Health Care Plan

No one reads the fine print, and even if you did, you wouldn’t understand it because it’s not meant for you to understand! The papers that you signed could lead to the following scenario:

  • Instead of the hospital seeking payment from your healthcare plan, they’ll seek it from your automobile policy.
  • The auto-insurance company sends a check for $4,300 (the non-discounted bill for the emergency room visit) to the hospital.
  • Any money that the hospital did receive from the health insurer is refunded.
  • You’re left with $4,300 less on your automobile medical pay coverage, while still receiving continued treatment and medical bills for the injuries you suffered in the accident.
  • You’ve also lost the benefit of your health insurance that you’ve been paying into for years.

Searching For Wrong Doing

Obviously, the position this puts you in isn’t a good one. Parrish Law Firm, PLLC will examine a few things in the hopes of finding wrongdoing, and if we do, we could sue on your behalf. This is what we’ll look for:

  • We’ll look at the terms of the network provider agreement (the agreement between the hospital and your health policy) along with the terms of the health policy itself to see whether the hospital violated the network provider agreement by accepting payment for “covered services” in excess of the maximum allowed under the provider agreement and your health policy.
  • We’ll see whether there was a breach of contract of the automobile insurance when the medical pay carrier’s insurance refuses to pay you the $4,300 that was paid to the hospital improperly.

If we find that you have been wronged by the hospital or automobile insurance, we’ll present you with options going forward, which may include the opportunity to sue. If you have lived through a similar situation after a Virginia automobile accident, call us today at 703-906-4229 or fill out a free case consultation form.

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