¿Quien Paga Los Gastos Médicos?

¿Quién pagara mis gastos médicos después de un choque?
  • Si el choque fue culpa del otro conductor:
  • Si usted tiene seguro medico, asegúrese de mandarle la factura a su seguro medico.
  • Si usted tiene gastos médicos cubiertos por el seguro de su automóvil, estos deberán ser pagados primero de acuerdo a su contrato antes de ser pagados por su seguro medico. Sin embargo, yo prefiero usar el seguro de gastos médicos siguiendo la política de “si no preguntan, no les diga” con la revelación del seguro de los gastos médicos al hospital o doctores.
  • Si usted no cuenta con seguro, el seguro del conductor que se encuentre culpable no pagara por los gastos hasta que el caso quede cerrado. Ellos no pagan según se van generando los gastos.

EL ERROR MAS GRANDE que se debe de evitar es este: El hospital le dirá que ellos mandaran la factura de los gastos a la compañía de seguros del otro conductor. Esto suena bien no? ERROR. Lo que el hospital hace es presentar un embargo del proveedor medico en su caso y el dinero vienen directamente de cualquier arreglo que usted reciba. USTED PAGA POR ELLO!

No puedo contar la cantidad de veces que los clientes que me han llamado y me han dicho que ellos han pedido en la sala de emergencia que le manden la cuenta de los gastos a la compañía de seguros médicos del otro conductor. Sin embargo, así no funcionan las cosas y si usted tiene seguro medico usted se está afectando a si mismo.


Bajo el contrato de su seguro médico, usted tiene derecho a la tarifa reducida de los servicios médicos por su contrato. Un estudio de resonancia magnética que cuesta $ 1,400 a una persona sin seguro, solo le cuesta $400 a su compañía de seguros. Usted puede que tenga que reembolsarle a la compañía de seguros médicos, pero el reembolsarle $300 a su compañía de seguros después de llegar a un arreglo, es mucho mejor que pagar $ 1,400 cierto?

¿Cómo puedo obligar al hospital a que le cobre a mi compañía de seguros?

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