It is relatively easy to file your medpay claim or we can do it for you. Our firm charges a flat fee of $150.00 to handle your medpay claim, or we can teach you how to do it yourself. The following steps will walk you through how to handle your medpay claim:
- Determine if medpay coverage is available. This is something we do for you in the initial investigation into your case, whether you hire us to do the medpay collection or not. We will pinpoint all sources of medpay available to you as you can be entitled to benefits from more than once policy. Generally, you may be entitled to medpay from:
- The vehicle you were in at the time of the accident;
- Your own personal automobile policy if different from the vehicle you were in at the time of the accident; and,
- Any person’s automobile policy who is residing in your household and is related to you by either blood or marriage.
- Call or write to each insurance company who provides medpay benefits that will apply to your case, and set up a claim. This can take 15-20 minutes of answering questions about the accident and helping the insurance company to get the facts they need to open the claim. Having the accident report to fax to them will be helpful.
- After you have finished all of your medical treatment, you will need to request all of your medical records and bills from all of your medical providers. Do NOT sign a medical release form to the insurance company to allow them to get your records. When requesting your medical bills, be aware that most hospitals have more than one billing agency that charges for your visit so make sure you collect all of the bills necessary to be reimbursed. Review our page on Medical Treatment for more information.
- Submit (via mail or fax) your medical records and bills for all injury related visits to the insurance companies.
- Sit back and wait for your check. When you do receive your check, you should review the accompanying Explanation of Benefits carefully to ensure the insurance companies adequately reimbursed you for all of your expenses up to the limits of the policy.
- You should not have any problems collecting your medpay benefits but should your payments be unnecessarily delayed or denied, you may want to lodge a complaint with the N.C. Insurance Commissioner’s office. Their consumer telephone number is 800-662-7777.