Medical bills after car or truck accidents often become financial nightmares. Money Magazine
just wrote that a trip to an ER can destroy a typical family’s finances. But this is especially a crisis in Texas where exorbitant “surprise bills” are mailed at two times the national average.
One third of Texans who go to a hospital get stuck with them. To combat this abuse, state lawmakers set up a medical bills mediation program ten years ago. The word is finally getting out and the demand for this invaluable service has overwhelmed the Texas Department of Insurance.
Why we need medical bills mediation
Obviously no one ever plans to be in a car accident or have any kind of medical emergency. He certainly doesn’t think he will be rushed to an expensive hospital and charged enormous amounts by the ambulance, hospital, ER doctors, radiologists, and specialists.
Most people don’t have the ability to pay these bills and assume they will be paid quickly by the at-fault driver’s liability company and his own health insurance plan.
But the injured person won’t know until months later which charges, if any, were paid — assuming he was insured and met his annual deductible. Many are not paid by the health insurance company because a provider was out of the plan’s network or the hospital was is in but the doctor was out of network so the physician’s bill has to be paid in full.