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Motor Vehicle Accidents
If you are involved in a motor
vehicle accident, the primary coverage for your hospital and
doctor bills may be your motor vehicle accident insurance
or that of the other party involved in the accident. Passengers
in your automobile may be covered under the Medical Payments
portion of your insurance. This may also cover the driver
(check with your policy or insurance agent). If you are involved
in an accident as a pedestrian, your automobile coverage may
also be your primary coverage up to the limits of your policy.
Please furnish High Point Regional with complete information
on your automobile insurance; the name and address of the
other driver(s) involved and the information on their insurance.
The parties involved may sometimes get this information from
the investigating law enforcement agency or from the accident
report. This information is needed in addition to your normal
group health insurance coverage information. The hospital
will file claims with your automobile insurance on your behalf
with the benefits assigned to the hospital. If an attorney
represents you, we will send a copy of the billing to your
attorney upon receipt of an approved release form. This form
must be provided by your attorney and clearly show that you
have authorized release of that information to another party.
This is a requirement of the federal government under the
Health Information Portability and Accountability Act (HIPAA).
The guarantor on the account is usually the patient or sometimes
a parent/guardian. The guarantor is always held accountable
for payment. Payment of your debt to the hospital cannot be
delayed nor be contingent upon any settlement of judgment
eventually recovered.
If you are a Medicare or Medicaid patient, the government
requires the hospital to pursue all other sources of payment
before we are allowed to file a claim to your government insurance.
In fact, filing a claim with your automobile insurance can
reduce your Medicare out-of-pocket expense. |
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