Principle Attorney
When you’re recovering from an accident, medical bills can start arriving long before your claim settles. You can cover these costs through options like MedPay, health insurance, medical liens, or structured payment arrangements. An attorney can also help you secure treatment without paying up front while your case is pending. You can still get the care you need throughout your recovery, and there are several ways to prevent your bills from falling behind. Colorado law offers multiple payment paths, and we can help you understand which options best fit your situation.
Why Early Medical Care Matters When You Have a Pending Claim
Prompt treatment supports your recovery and documents your injuries, strengthening your claim. The good news is that financial barriers should not prevent you from getting the care you need. There are practical tools and legal protections that help keep you in treatment while your case moves forward.
Using Medical Payments (MedPay) Coverage
Colorado auto insurance policies include optional MedPay, which pays for your medical care after a crash regardless of fault.
MedPay can help because:
- It pays quickly, often before liability is decided.
- You don’t have to reimburse the insurer if you were not at fault.
- It covers expenses like ER visits, imaging, chiropractic care, and physical therapy.
We review your policy to confirm your MedPay limits and help you access those benefits right away. Even a small MedPay amount can relieve pressure during the first weeks of treatment.
Receiving Treatment on a Medical Lien
Some providers will treat you on a lien, which means they agree to postpone payment until your case resolves. You receive care now, and the bill is paid from your settlement later.
A lien may be appropriate if:
- You do not have health insurance.
- Your MedPay coverage is limited or already used.
- You need specialty treatment that requires upfront funding.
We regularly coordinate lien-based care with trusted Colorado providers. These arrangements allow you to continue treatment without upfront charges while keeping your claim moving forward.
Coordinating Your Health Insurance Benefits
If you have private health insurance, Medicare, or Medicaid, you can use that coverage while your injury claim is pending. Health insurance often reduces costs dramatically and gives you access to a wider range of providers.
When insurance pays your bills, the insurer may request reimbursement from your settlement. We handle this process for you by:
- Confirming what the insurer paid.
- Negotiating reductions when possible.
- Ensuring no improper charges are included.
Proper coordination prevents unpaid balances and helps you avoid surprises when your case resolves.
Negotiating Payment Plans With Medical Providers
If MedPay and health insurance are not enough, many providers are willing to offer payment plans. These plans break medical expenses into small monthly payments that fit your budget.
We help by:
- Contacting the provider to request extended terms.
- Ensuring bills are paused while your injury claim progresses if the provider allows.
- Keeping communication clear to avoid collection activity.
A realistic payment plan helps you stay current on bills without sacrificing treatment.
How Attorneys Arrange Treatment Without Upfront Payment
One of the most important ways we support you is by connecting you with providers who understand how personal injury cases work. We help you access treatment without upfront costs by:
- Reviewing every available insurance option.
- Coordinating lien-based care when appropriate.
- Communicating with providers so you can focus on your health.
- Making sure billing offices understand that your case is pending.
You should not have to delay or skip medical care because of temporary financial strain. We step in early to protect your access to treatment and keep your claim supported with proper documentation.
What Happens to Unpaid Bills While Your Case Is Pending
Even with these options, some bills may remain outstanding until your case is resolved. This is normal. We track all medical costs, manage liens and subrogation claims, and work to negotiate reductions when possible. Our goal is to protect your recovery while reducing the financial stress of the injury process.
Your Path To Recovery Starts With the Right Support
You deserve consistent medical care and clear answers about your options. When you work with us, we will guide you through every step of your treatment and claim. If you’re struggling with medical bills or unsure where to start, we can help you put the right systems in place.
If an accident has left you worried about how to pay your medical bills, we encourage you to reach out. We will explain your options, connect you with trusted providers, and help you move forward with confidence. Contact the Law Offices of Dianne Sawaya, LLC today to schedule your consultation.