1. Who will pay for my medical bills?
In the State of Colorado, treatment for all injuries suffered in an auto accident is paid for and covered by your “med-pay”, unless you specifically waive this coverage in writing on your auto insurance policy. Everyone is automatically enrolled for a minimum coverage of $5,000. Therefore, in most cases, you will have no out of pocket costs. If your medical costs exceed $5,000, depending on your policy, you still may be completely covered. Some policies allow you to choose a plan with up to $25,000 of medical payment coverage. If you have a lawyer we may be able to work together on a lien to continue your treatment plan and avoid disruption of care. This means we will wait for your case to settle before we get paid. If you do not have insurance we also work with medical lien companies that may be able to help fund care after an accident.
2. Why is it important to get care after an auto accident?
Research has shown that even a minor auto accident can have long lasting residual effects. With the proper care, we can help you recover properly with high quality physical therapy and a specifically designed rehabilitation plan to reduce your pain.
3. If I did not get care right after my accident, does that mean I cannot get care?
No, if your pain/injury is related to your auto injury, you have up to a year to get care. We recommend early intervention, but understand that sometimes there are unavoidable delays.
4. How long does it take to heal properly?
This depends on the severity of your auto accident. It is very important that you are diagnosed properly through an examination from your PCP as well as a full evaluation from your physical therapist. We will work with you to design an optimal plan of care individually catered to your injuries and your goals. We will work together with your medical team to coordinate your care plan.
5. Will my insurance premium go up if I get care?
Utilizing your “med-pay” benefit has no impact on your premium. Each passenger in your vehicle can also utilize your med-pay benefit with no effect on your premium.
If you are not at fault, your premium will not go up. If you are at fault, your premium may go up regardless if you use your med-pay or not. The residual effects of your auto accident will cost more in the long run if you do not get immediate proper treatment which may lead to subsequent, lifelong chronic pain and injuries.