I Need Surgery and My No Fault Insurance is Used Up, Can I Use My Health Insurance or Medicare?

Remember, your No Fault insurance always pay first for medical expenses that are related to your car accident in Florida. No private health insurance or Medicare will pay these accident related expenses until your no fault has been completely exhausted.

When that happens it is generally in your best interest to use private health insurance or Medicare because it will save you money in the long run.

Let me explain further. When a car accident case in Florida settles, you don’t have to reimburse your No-Fault insurance carrier for the No Fault medical benefits they paid. This is not so with health insurance policies, Medicare or Medicaid. They have the right of reimbursement for what they pay. However, they pay doctors and hospitals on a reduced fee schedule which will be a lot less than what is billed. This means that what you owe in reimbursement when a case settles will be less if it’s been paid for by health insurance, Medicare or Medicaid. The bottom line is it saves you money. Federal law gives some employer-sponsored health plans much stronger reimbursement rights. To find out whether this could affect your case, you should talk it over with a Clearwater injury lawyer who has experience handling accident claims.

If you would like more information on reimbursing these health liens, I urge you to get a free copy of my consumer guide, Five Mistakes That Can Wreck Your Florida Accident Case here.

You may have immediate questions or concerns; if so simply send a private email. We respect your privacy and won’t share your information with anyone.

 

We represent personal injury and accident victims in Florida in these cities:
Clearwater, Clearwater Beach, Tarpon Springs, Dunedin, Largo, Oldsmar, St. Petersburg, Palm Harbor, Safety Harbor, Pinellas Park, Seminole, Belleair, Belleair Bluffs, Belleair Shores,Treasure Island, Redington Beach, Madeira Beach, Indian Rocks Beach, Crystal Beach, Ozona, Bradenton, Palmetto, Sarasota, Lakewood Ranch, Ellenton, Kenneth City, South Pasadena, St. Petersburg Beach, Tierra Verde, New Port Richey, Port Richey, Hudson, Bayonet Point, Holiday, Land O’Lakes, Lutz, Odessa, Tampa, Temple Terrace, Dade City, Sebring, Wesley Chapel, Pinellas County, Pasco County, Hillsborough County, Manatee County, and all other cities in Florida and Florida Counties.

Our primary office location is in Clearwater, however we meet clients at our satellite offices or a  convenient location at or near your home.

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What Our Clients Are Saying

After my accident, I needed a lawyer because of the way the insurance adjuster was treating me… I had never worked with a lawyer… you gave me confidence things were going to be alright. I appreciated the trust I felt in you… You have restored my faith in your profession. – Yang, Dunedin

Uninsured Motorist: Don't Leave Home Without It

"For Immediate Release\r\n\r\nBELLEAIR, Fla., May 6, 2013\u2014Jim Dodson, President of the Mid County Bar Association, welcomed guest speaker, Pinellas Count"...
"FOR IMMEDIATE RELEASE\r\n\r\nMarch 20, 2013 - Sarasota, Florida - Jim Dodson met with the Sarasota Manatee Bicycle Club (SMBC) on Wednesday, March 13, 201"...
"FOR IMMEDIATE RELEASE\r\n\r\nMarch 13, 2013\r\n\r\nClearwater, Florida: Pinellas County engineers are conducting a study on how to increase sidewalk safety fo"...
"For Immediate Release\r\n\r\nLakewood Ranch, April 20, 2013\u2014Jim Dodson participated in the American Diabetes Association\u2019s (ADA) Tour de Cure in Lakew"...
"For Immediate Release\r\n\r\nSt. Petersburg, FL, April 18, 2013\u2014 Jim Dodson Law was privileged to participate in Pinellas County\u2019s Safe Routes to Scho"...
"FOR IMMEDIATE RELEASE\r\n\r\nApril 11, 2013\r\nJim Dodson Supports FDOT\u2019S Efforts to Reduce Statewide Bicycle Fatalities\r\nClearwater, FL, April 11, 2013-T"...
"Insurance companies frequently tell our clients, \u201cYou don\u2019t need to buy uninsured motorist coverage (UM) \u00a0if you have good health insurance or Me"...
"Uninsured motorist insurance is probably the most important coverage you need on your auto insurance policy. It protects you when the driver who injur"...
"The Tampa Bay Times reported the number of hit and run crashes in Florida in 2012 was nearly 70,000. This alarming number is a 7% increase over the pr"...
"In Florida, we need uninsured motorist insurance for protection against millions of drivers who have little or no insurance on their car. Like many cl"...

If we don't settle or win your case, you don't pay.

The cost of legal services is always a major concern for any client, especially a client who has been unable to work due to injuries suffered in an accident. Recovering from your injuries is enough to handle without the added burden of how you will pay for a lawyer. We have removed this burden by offering our legal services on a contingency fee basis. This means there is NO FEEs until our personal injury attorneys successfully recover money damages for you.