Nobody wants to get an injury. In addition to the pain and suffering endured, the cost of medical bills following an injury can be immense. You need to receive the proper health care, but you also shouldn’t have to be bled dry due to medical expenses. Here are five tricks to help you pay for unexpected injuries.
Even with medical insurance, the emergency room can give you a sizable bill, which could be in the thousands depending on your injury. If you have no other choice, it’s worth going to. Otherwise, you should look elsewhere. One good idea is to go to an urgent treatment center. With insurance, they typically charge a co-pay which is much more reasonable.
Having insurance is a huge blessing when it comes to injuries or other health ailments, such as sickness. Make sure you look over your insurance policy to see what it says for injuries. You might not be able to cover all of it through this policy, but it should at least handle part of it. The more severe the injury, the more you’ll likely have to pay out of pocket.
If injured on the job, it’s vital that you file for worker’s compensation as soon as possible if it wasn’t your fault. You’ll have to file an accident report with your supervisor or the human resources department. You need to make sure you’re as clear as possible about what happened. If you’re at all unclear about anything, you should ask for witnesses to testify. See what your employee handbook has to say about worker’s compensation. You should also be aware of your own rights.
If you have been injured, and you’re not at fault, you should hire a personal injury attorney. Explain to them the merits of your case and see what they have to say. A lawyer will be able to help you determine whether or not you have a solid case. It’s crucial that you be as honest as possible, as you will be questioned in a deposition and in court during the case. If you have a valid right to compensation, an attorney will help you make a case and receive that compensation.
If you’re okay with asking others for money, crowdfunding can really help. Services like GoFundMe and Kickstarter allow people to contribute money to causes. On your page, explain what happened and give a reasonable goal to be raised that will cover your expenses.
We hope this has given you a great idea of how to pay for unexpected injuries. While injuries are certainly not welcomed and often expensive, you can get through them with the proper planning and patience.
Kara Masterson is a freelance writer from West Jordan, Utah. She graduated from the University of Utah and enjoys writing and spending time with her dog, Max. Kara is the youngest of four. She has two hilarious brothers and one beautiful sister. She also is the aunt of 5 crazy little girls that she loves more than anything!! Kara is not yet able to be a mom, but she loves being around kids and being like a second mom to her nieces. She dreams of the day that she can start her own little family.