Does My Own Health Insurance Cover My Medical Bills After A Car Accident?
In most situations, private health insurance is the primary payer for Michigan car accident related treatment. This is because almost all car insurance policies are coordinated policies, meaning the car insurance carrier coordinates with private health insurance policies, stating that it is secondary for the payment of car accident medical care.
However, there are various exceptions.
First, state or federal government insurance is always secondary for auto accident care. This means Medicaid, Medicare and VA insurance will not pay Michigan car accident medical bills. Instead, the Michigan car accident insurance company responsible for paying the particular claim is primary and obligated to pay all hospital, doctor and rehabilitation bills from the car wreck.
Second, if the car accident insurance claimant had an uncoordinated policy (the car insurance company did not coordinate with private health insurance and is therefore primary for payment), or no car insurance policy at all, then in those situations the car insurance company is primary car accident care.
Last, sometimes private health insurance is secondary, even if the auto insurance carrier claims it is secondary too. Many private health insurance carriers like Aetna, Blue Cross, United Health Care, HAP, Priority Health are self-insured ERISA plans. In these situations, federal law preempts state law. When this occurs, the specific policy language of the private health insurer controls. If the policy specifically says the health insurer (Aetna, United Health Care, etc.) is a secondary payor for purposes of auto accidents, then the no-fault carrier will be primary for payment. This is true even if the car insurance is a coordinated policy.
Medical expense coverage is one of the most important questions following a Michigan auto accident. Medical bills can be enormous and understanding who is responsible for paying them is important to know as early as possible.
If you have any questions about medical expenses following a Michigan car wreck, please give our office a call at 1-800-533-3733 (1-800-LEE-FREE) so we may answer your questions and help determine who may be primary for payment. The phone call is free and we don’t get a fee unless we win your case.