The answer to this question is: it depends on the bill. In my personal injury practice, negotiating medical bills is a significant part of getting clients' claims resolved. Some medical providers are willing to offer a discount to someone injured in an accident who does not have health insurance and is paying the bill out of an insurance settlement. Usually whether a discount is agreed to by the medical provider (or even necessary in the first place) depends on the amount of the settlement.
For example: if you have a $2,000 hospital bill and $3,000 in other bills for a total of $5,000, but your claim settles for $30,000 (e.g. because you were hit by a drunk driver on her third DWI charge), the hospital probably will not be inclined to give you a discount. From the hospital's perspective, you got enough money from the settlement to pay the hospital bill in full.
There are also cases at the other end of the spectrum: not much insurance proceeds and medical bills that far exceed the settlement amount. Usually hospitals are practical about these situations and will work with the injured person's attorney to agreed on a reduction of the hospital that allows the injured client to keep some compensation out of the settlement.
If you have been hurt in an accident and you're not sure how to handle your medical bills, give me a call, send me an email or submit your case online and I would be glad to give you a no charge consultation.
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