WHAT IS EXCESS MEDICAL PAY INSURANCE?

I hear it all too often from my clients. “I received a letter from my automobile insurance company denying the medical bill I submitted. They’re telling me I’m going to have to send it to my health insurance provider first, or show proof that I don’t have health insurance”.

Here is an example… one of my clients came to my office. He explained he had submitted a medical bill to his automobile insurance company expecting it to be paid under his medical payments coverage, only to receive a letter back from them refusing to even consider the bill until he showed them proof that he had submitted it to his health insurance provider first.

He didn’t have health insurance, so there was no one to submit the bill to. We then contacted the insurance company and explained the situation. They sent out forms that we filled out attesting to the fact that my client had no other insurance to pay for his medical bills, except the medical payments coverage on his policy. Upon receiving that, they started paying the bills right away.

In some cases insurance companies even deny payment saying bills need to first be submitted to Medicaid or Medi-Cal, as it’s called in California. Again this situation is essentially the same as not having any insurance. The fact is, Medi-Cal and Medicaid are payers of last resort and require that the private insurance sources pay first before they pay anything after that.

If you have any questions regarding any injury or reimbursement for an injury, I want you to call me at (559) 702-5124.  I welcome your call.  Visit videos for more videos and media content from my law firm.