01 Nov Office Happenings Health Insurance and Personal Injury Cases
Welcome to the Newsletter
Rana Law Group Newsletter
In this issue:
Health Insurance and Personal Injury Cases
We are excited to welcome attorney Paul Luhmann to the Rana Law Group family. Paul had an exciting career in finance prior to retiring and then going to law school. He excelled as a student and is excited to start the second phase of his professional life as a lawyer. In his spare time, he enjoys music, Mexican food and spending time with his family. Paul’s main focus will be on cases in litigation so we can move cases through the legal system more quickly. We are confident his skills will be an asset to the firm and will benefit all our clients. Welcome Paul!
We are Moving
With the addition of Paul, and needing more space in general, we will be moving to a larger space in our same building. Our new home will be suite 318, which is just up a floor and at the opposite end of the hall from our current office. Tarun vows not to take the elevator and claims he will get used to an extra flight of stairs. We look forward to holding him to that daily!
During the holiday season, while we want to be as accessible to our clients as possible, we also value time with our families. The office will be observing the Thanksgiving, Christmas and New Year holidays according to schedule below.
Thursday, 11/24 – The office will be closed all day.
Friday, 11/25 – The office will be closed all day.
Monday, 12/26 – The office will be closed all day.
Monday, 1/2 – The office will be closed all day.
Health Insurance and Personal Injury Cases
When seeking treatment for an injury case, many people believe since another party was responsible, the at-fault person’s insurance company should pay their medical bills. However, the at-fault insurance company does not release any funds until after you are released from your doctor’s care and a settlement is reached. In the meantime, these outstanding bills accrue and your medical providers are entitled to payment in a reasonable period of time. If the case lasts long enough or is disputed, you may be sent to collections.
If you have health insurance, it is best to use that coverage first to reduce the balances owed to providers. This reduces the amount that will come out of any potential settlement to pay medical bills. Most health insurance plans are not entitled to recoup money from your injury settlement for the claims they covered. However, there are some notable exceptions including Medicare, Medicaid and self-funded plans. Self-funded plans most commonly apply to governmental employees and anyone working for a union. Medicare, Medicaid and self-funded plans are entitled to what are called subrogation rights. This means they are entitled to a portion of any settlement to recoup expenditures on your behalf. We typically get reductions on the total amount paid for most clients but it is something to remember if you are covered under one of these health insurance plans.
If you do not have health insurance, you may wish to call the provider and either work out a low, monthly payment plan to pay off the balance or notify the provider you were involved in an injury case and provide them with the attorney’s contact information. Often, they may be willing to send a lien, which is an agreement to accept payment after the injury case resolves. This way you can avoid collections and a hit to your credit score.
From time to time, clients call and ask which type of cases we handle. My practice is built on referrals from satisfied clients. I know that if I work hard and do a good job for my clients, they will tell their friends about me. The best compliment from a former client is that client entrusting me with the potential case of their friends and family. Our office specializes in the following cases:
- Personal Injury (auto collisions, trucking, motorcycle, slip and fall)
- Work Injuries
- Traffic tickets and DUI/DWI
If you know someone that meets these criteria, please have them call my office. If someone does not quite fit the above criteria, please still have the prospective referral give me a call as I can usually help them find the right attorney via a referral.