Medical bills are no joke. They are overwhelming, constant, and they seem to linger when you feel like there’s no way you’ll be able to pay them. At Westphal Law Group, we have worked our fair share of personal injury cases and in that time we have seen what the piling up of medical bills can do. There’s not much financial assistance that we can offer in regards to paying them, but with the help of our personal injury lawyers, you should have the support that you need to win your case and get the help that you need. Today we are going to provide you with a few tips on ways that you can manage and document your medical bills while your case is waiting to be taken care of, or closed.
Pay When You Can
You may be absolutely certain that the case you have is a personal injury case, but the fact of the matter is that nothing is set in stone. Our team of personal lawyers will do everything that we can to provide you with a strong case, but that doesn’t mean that the rest of the factors of your case are void. If you are able to pay even portions of your bills, do it. This will help keep you above water from an influx of debt and show effort being made towards the bills that have accrued. This mentality leads us to our next point.
Make a Payment Plan
If you are entirely overwhelmed by the numbers that you’re looking at when you open your bills, don’t be. More often than not, the facility that you went to will give you the option of setting up a payment plan. This setup should help improve the amount that you’re paying and how often that way you can be making progress on reducing these bills, even if it isn’t a ton that you’re paying off. You will be glad that you did set up a payment plan to at least hold you accountable and make those payments while the case is still being worked through.
The bills that you’re receiving might be entirely overwhelming, but in the case that you win your case, there is a good chance that you will receive the care that you need to get them paid. In this time, you do need to hold onto any of the bills that you’re getting so that they can be handled accordingly when that does happen. Whether it’s a notice from your insurance company, a bill directly from the hospital, or a notice for collections, it’s absolutely crucial that you keep these pieces of mail so that you can have all of the documentation that you need down the road.
Health Savings Account
Some insurance plans have a health savings account that they put money into every month. This is one of those plans that seems like a pain as it’s deducting money and putting it aside, but when accidents like the one you’ve just had happen, and you wind up in a bind looking for money to pay bills with, you’ll be glad you had one. If you do have a high-deductible health plan, then you can definitely use the money that is set aside in this account to pay any bills or costs that aren’t going to be covered by your insurance company.
Take Out a Loan
If you are someone that hates having any debt, especially when it’s a debt that is only going to continue to build up, then taking out a loan may be something to consider. It isn’t the ideal way to tackle bills, but it is a way that you can shuffle the debt a bit and have a more structured payment system setup. Yes, it really is just shuffling where the debt is coming from, but taking a loan from a bank is much easier to deal with compared to not being able to pay your medical bills.
Having medical bills build up isn’t something that anyone wants to deal with, but it is a reality that most people face while their personal injury case is finalized. If you are struggling right now, talk with the personal injury lawyer that you’re working with and ask if there is someone that they can recommend for financial advising or loans.
Westphal Law Group has your best interest at hand, and we want to do anything and everything that we can to make sure that your case holds up in court. If you’re in need of an experienced and and knowledgeable team to create a case for you, then we are the people you need. Call our office and we can set up an appointment to go over all of your case details and start building all of that needed support.