Should I submit my medical bills to health insurance?
Normally, when you are ill or injured, you look to your own health coverage – whether through health insurance, a health maintenance organization (HMO) or your work’s self-insurance program – to take care of your bills. When you have been injured in an accident, however, one of the major reasons for receiving money damages is the very medical bills your health coverage has already paid.
In some cases, your own health plan will pay no attention to whether you have received a damage award for the same injuries the health plan covered.
Under some coverages, however, your health plan may have a right to be reimbursed by you, out of the damage award you receive, for medical expenses which that health plan already paid. The health plan’s right to reimbursement depends on various factors, including your agreement with the health plan provider and varies with the type of health coverage you have.