medical costs
medical costs

How to Reduce High Medical Costs after a Car Accident

Doctor David Jenkins Orlando Chiro

Written by: Dr. David Jenkins

Published: December 29th, 2021

If you have been involved in a motor vehicle accident, you have a lot on your mind. You are probably thinking about calling your insurance company, figuring out where to get your car repaired, and how you will get to work or school in the morning. Unfortunately, car accidents can also be expensive.

In addition to covering any costs related to your vehicle, you may have to pay for your injuries as well. Are there any ways to keep your medical costs low after a motor vehicle accident? There are a few important tips to keep in mind. Remember that you never have to go through this alone, as there are always people who are willing to help you.

medical costs

Start With Your Insurance Policies: Both of Them

The first thing you need to do is begin to think about your insurance policies. Yes, there is a chance that you have two policies that can help you cover the costs of your injuries. The obvious one is your health insurance policy. If you get health insurance through your employer, or if you purchase your health insurance policy on the exchange, take a look at the details. You may have health insurance that can help you cover the costs of your injuries. Now, there is a chance that you will still have to pay a deductible, copay, and coinsurance out-of-pocket; however, your health insurance policy may cover the bulk of your expenses, saving you a lot of money.

Additionally, a lot of people forget that their auto insurance policy may cover the cost of their injuries in a motor vehicle accident. By law, everyone is required to have car insurance to drive on the road. There should be a standard set by law for property and medical coverage in this policy. Therefore, you may want to talk to your auto insurance company to see if they will cover the costs of your injuries. If you are in an accident due to the fault of someone else, they should have car insurance that can help you cover the costs of your injuries as well. The first place to start is your insurance policies.

Reach Out to a Chiropractor for Help

Another way to reduce the costs of your injuries is to reach out to a chiropractor for help. Unfortunately, some injuries can lead to numerous side effects and complications, which can make it difficult for you to recover. Furthermore, these lingering injuries can drive up your medical bills. Even though you might start with a trip to the emergency room, this is not the end of your recovery process. You need to develop a comprehensive plan with the help of a chiropractor.

A chiropractor can identify the root cause of your injuries. By treating your injuries at the source, you can restore your flexibility, mobility, and functionality. Furthermore, a chiropractor can also explain things that you can do at home that may expedite the recovery process. Therefore, you may not need to go to the medical doctor as often, helping you save money.

In addition, even though you might be concerned about covering the cost of your visit to the chiropractor, a lot of chiropractors will take insurance. Therefore, you may be able to further reduce the cost of your care.

Do Not Forget About Your Health Savings Account

If you have a health savings account, you may be able to use this to help you cover the cost of your injuries as well. You may have a health savings account through your employer. If you have been contributing to it over the years, or if your employer has been helping you contribute to your health savings account, now is the time to use this money. You can use it to cover the cost of your injuries, saving money that you can spend elsewhere.

Also, there may be several tax advantages you can leverage if you decide to tap into your health savings account. If you have questions about how to maximize the tax advantages of a health savings account, you need to reach out to an accountant who can assist you.

Do Not Delay Your Care After an Accident

If you want to keep your medical bills as low as possible, you need to remember not to delay your medical care. You may feel fine after a motor vehicle accident; however, you have a lot of adrenaline running through your system after a motor vehicle collision. This adrenaline can mask a lot of the symptoms that might show up later. If you do not see a medical professional right away, your injuries could get worse instead of getting better.

You need to be fully evaluated quickly following a motor vehicle collision. The sooner your injuries can be diagnosed, the faster you can implement a treatment plan. This can make a significant difference in your recovery. You can keep your bills lower if you see a healthcare professional quickly. You might be able to prevent complications from developing.

Consider Talking To a Lawyer

Finally, you may want to talk to a lawyer as well. You already have a lot of stress as you try to fix your car and recover from your injury. You may think that talking to a lawyer is going to make things worse; however, a lawyer can actually help you cover the cost of your medical bills.

If your accident was the fault of someone else, you should not be responsible for the financial expenses associated with the motor vehicle accident. Therefore, you may want to talk to a lawyer who can evaluate your case and see if you are entitled to compensation. It is true that lawyers can be expensive; however, in this situation, you will probably only have to pay your lawyer if you win your case, and he or she will simply take a percentage of your settlement. You should not have to write a check at all. As a result, you might want to reach out to a lawyer who can take a look at your accident and see if you have a case. A chiropractor could refer you to a lawyer in your area!

Reach Out to an Orlando Chiropractor

If you have been involved in a motor vehicle accident, you need to seek the care of a healthcare professional as soon as possible. At Seminole Chiropractic Center, we provide a cost-effective option that can help you recover from your injuries while minimizing your complications and side effects. Contact us today to make an appointment!

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