Getting Treatment When You Don’t Have Health Insurance

ELI5: Negligence
Imagine being injured because of someone else’s reckless disregard for your safety. And, not only were your injuries the fault of someone else’s negligence, but you can’t afford to get treatment because you don’t have health insurance. It’s an unfortunate reality for many people living in the United States. To further complicate matters, if you don’t seek treatment, you could lose a personal injury case because it could be argued that you weren’t really injured since you were never treated. In cases like this, it’s important to know that you have options. If you were injured, you need to seek treatment as soon as possible.


If you have health insurance, getting care  is going to be a much smoother process. If you need emergency medical care, you will go to the emergency room from the scene of the incident. After that, you will likely be referred to a doctor for follow-up care. Once your claims are submitted to your health insurance company, you will receive statements  showing what the health insurance paid and what your out of pocket or unpaid balance is, if any. In personal injury claims, these statements or bills represent your economic damages. Once your claim is either settled or adjudicated in your favor, you will receive  compensation. This compensation can pay any outstanding balances for medical bills. Sometimes, your health insurance company may want to be paid back for the money they paid for your medical bills.


If you don’t have insurance, but you need emergency medical treatment, you still need to go to the emergency room. They cannot turn you away, even if you have no insurance or money, but you will be responsible for their bills which are usually pretty big. Things can get a little tricky with follow-up care. A lot of specialists will want to see that you have  insurance before they see you. And, if you do not have insurance, specialists are legally able to refuse to provide treatment to  you. But if you were injured due to someone else’s negligence, you need to get treatment as soon as possible—especially if you want to file a claim.


There are doctors that will treat  patients who don’t have insurance on contingency. This means that the doctors who treat you will have a lien on your personal injury settlement. Once you are awarded compensation, your doctors will be paid out of your settlement. Your attorney should help negotiate with the doctors to lower the bills so your medical expenses are taking less out of your settlement. If you do not win your personal injury claim, the lien may be extinguished. Getting treatment on a lien basis is an option even if you have insurance. However, it’s almost always in your best interest to use your insurance if you’ve got it. Doctors aren’t obligated to reduce the balance of their lien. Health insurance companies always adjust doctors’ bills down, and you may end up paying less by repaying your health insurance company than by negotiating with your doctor yourself.


If you are injured and you don’t have health insurance, a personal injury attorney can be an invaluable resource to you. Though a personal injury attorney cannot get involved in your medical decisions and shouldn’t tell you to treat with a particular doctor, they may be able to give you the names of doctors who they know from their experience will treat patients on a lien. Additionally, they can help negotiate your medical expenses so you aren’t paying so much out of your settlement.


You’ve likely had a Hulu binge interrupted by some old, white guy advertising the best Utah car accidents attorney. But those attorneys are the same as every other Utah car accidents attorney. You don’t need the guy who can spam you with the most ads for car accidents lawyer in Utah. You need an attorney with moxie. At Moxie Law Group, we’re committed to fighting for the maximum compensation with empathy, integrity, and tenacity without interrupting your Hulu binges. If you need help getting the compensation you deserve, contact Moxie Law Group today.
Man drinking a beer - DUI lawyer Utah

Friends Don’t Let Friends Drive Drunk

by | Mar 7, 2023 | Educational,Safety,Texas Law,Utah Law | 0 Comments

If you’re celebrating St. Patrick’s Day with a pint of Guinness, or some other alcoholic beverage, it’s important that you’ve got plans for a safe ride home before you...

How Underinsured Motorists and Uninsured Motorists Insurance Works

How Underinsured Motorists and Uninsured Motorist’s Insurance Works

by | Mar 2, 2023 | Educational,Safety,Texas Law,Utah Law | 0 Comments

If you don’t have underinsured motorist and uninsured motorist coverage, it may be time to think about updating your policy. How Insurance Works Periodically, you’ll...

How to Make Sure Your Teen Drivers are Safe

How to Make Sure Your Teen Drivers are Safe

by | Feb 28, 2023 | blog,Safety,Texas Law,Utah Law | 0 Comments

Teenage driver safety is an important part of preventing car crashes. A child's sixteenth birthday is the stuff of nightmares for most parents. While it marks the end...

Can You Get Compensation for a Hit and Run?

Can You Get Compensation for a Hit and Run?

by | Feb 23, 2023 | Texas Law,Utah Law | 0 Comments

Yes! You can. Even if the person at-fault for the collision has left the scene, you can still get some compensation through a benefit you’ve already paid for with your...

Protecting Pedestrians

Protecting Pedestrians

by | Feb 21, 2023 | blog,Catastrophic Injuries,Educational,Premises Liability,Safety,Texas Law,Utah Law | 0 Comments

Help keep your community safe by taking steps to prevent pedestrian fatalities. Pedestrian Safety Is Important In Utah during 2022, there were 53 pedestrian fatalities,...

Can Jaywalking Pedestrians Sue

Can Jaywalking Pedestrians Sue? Is jaywalking illegal in Utah?

by | Feb 16, 2023 | Educational,Safety,Texas Law,Utah Law | 0 Comments

An answer from a Utah pedestrian accident Lawyer We've all been there: driving down the road when suddenly, seemingly out of nowhere, a pedestrian walks out right in...

Is M3GAN Hollywood's Latest and Greatest Lawsuit

Is M3GAN Hollywood’s Latest and Greatest Lawsuit

by | Feb 2, 2023 | blog,Educational,Safety,Texas Law,Utah Law | 0 Comments

Is M3GAN Hollywood's Latest and Greatest Lawsuit? M3GAN is a 2023 horror film about a doll named M3GAN (pronounced the same way you’d pronounce Megan). From the...

Safety Tips for Women Who Live Alone

Safety Tips for Women Who Live Alone

by | Jan 31, 2023 | blog,Educational,Texas Law,Utah Law | 0 Comments

Millions of American homes are expected to be burglarized this year, yet 75% of homes don’t have a security system. Even more concerning, statistics reveal that 27% of...

What If I Can't Afford a Lawyer

What happens if I can’t afford a lawyer 

by | Jan 26, 2023 | Educational | 0 Comments

Not every accident needs a personal injury attorney. For example, if you weren’t injured, you don’t need an attorney. However, if you were injured- you definitely do....