You deserve compensation so you can focus on recovery, not finances.

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How to Afford Medical Care After an Injury

Car crash, slip & fall, or dog bite? You have options to get treated now and sort out payment later including health insurance and medical/attorney liens. If you’re unsure which path fits, we’ll walk you through it.

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Using Health Insurance vs Treating on a Medical/Attorney Lien

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Using Health Insurance

You can present to the ER, urgent care, or your PCP and use your private or government health insurance. Expect co-pays/deductibles, possible referrals (e.g., x-ray before MRI), and potential subrogation later (your insurer may be reimbursed from your settlement).

- Immediate access to in-network care
- Contracted discounted rates
- Familiar billing & portals
- Co-pays/deductibles out of pocket
- Referrals/step therapy may delay specialty care (e.g., MRI)
- Subrogation: insurer may be reimbursed from the claim

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Treating on a Medical/Attorney Lien

No health insurance? Or can’t cover deductibles? Many providers will treat on a lien payment is deferred until your case resolves. We sign a lien letter with the provider so you can focus on recovery now. At the end, we often negotiate medical balances down.

- No upfront co-pays/deductibles
- Access to specialists who regularly treat injury patients
- Payment waits until your case resolves
- Providers are paid from settlement proceeds
- Bills often start at full rates (we work to reduce them at the end)

A doctor's stethoscope resting on a desk next to a clipboard holding a health insurance claim form and a pen.

Key Points

Did You Know?

If a provider accepts your health insurance, they can’t later bill you higher out-of-network rates.
If you treat on a lien, the provider is typically paid from your settlement; we frequently negotiate those balances.
Choosing a doctor with discounted insurance rates does not reduce how the other insurer values the service; they usually look at the full value of care.
Unsure which route to pick? We’ll review your coverage, the care you need, and cash-flow to help you decide.

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