One of the most common concerns we hear from clients after a trip and fall accident is: “How am I going to pay my medical bills?” If you've been injured, the last thing you want is to be chased by doctors or collection agencies. At Goldstein & Handwerker, we understand how stressful this situation can be, and we're here to guide you through your options.

1. Health Insurance

The most straightforward way to cover your medical bills is through your health insurance, if you have it and can find a doctor who accepts it. However, there's a catch. Depending on your insurance plan, the company may seek reimbursement if you recover money from a legal settlement. This process is called subrogation—they paid your bills, and they may have the right to get that money back from your recovery.

That's why it's critical to have your lawyer review your policy right away, so you're not blindsided at the end of your case.

2. Letter of Protection (Lien)

If you don't have insurance, another route is through a letter of protection. Some doctors are willing to treat trip and fall victims under the agreement that they'll be paid later—only if you recover money from your case. In some instances, if you don't win, you owe them nothing.

This allows you to get the treatment you need without immediate financial pressure. Your attorney will include those unpaid medical bills in your legal demand, seeking reimbursement from the responsible party.

3. Medicare or Medicaid

If you're on Medicare or Medicaid, they will pay your medical bills up front. However, like private insurers, they will almost always require repayment from your settlement. Your attorney will coordinate with them to determine exactly how much needs to be repaid before your case is finalized.

Trip and fall injuries can create financial stress, but you don't have to face it alone. For answers to your questions and personalized legal support, contact Goldstein & Handwerker or visit us at www.ghawnyj.com. We're here to help you protect your health—and your rights.