When you are injured in an accident, the insurance process can be confusing. Whether you were at fault for the accident or you were struck by a negligent driver, you will have to deal with the insurance companies at some point. Navigating health insurance (in addition to auto insurance) can be complex, and understanding what is and is not covered is crucial.
Health insurance can impact the expenses that come with a motorcycle accident. However, there’s never a clear one-size-fits-all situation answer. Some health-related costs aren’t covered by any plans, while other expenditure protection is always included.
It’s essential to check your insurance policy and information, which is something not everyone does. Read on to find out more about how health coverage can and can’t help with collisions involving a motorcycle.
Health Insurance Specifics
Yes, your health insurance can help if you have an accident while riding a motorcycle. No, it doesn’t provide the same assistance as vehicle coverage. Here are a few things you should look into before deciding whether you should rely on one or both types of insurance.
Policy
While it might seem obvious, you need to read over the policies present in your health protection. Sifting through the details can help you determine how adequate your coverage is for accidents on the road. You can compare with other plans to see if there are unique situations you’d like to anticipate for monetary aid in the case of a collision or other incidents.
Copays
Read into what you need to copay before your coverage kicks into gear. Often you can find what kind of protection you have under a list of payments required before your health insurance provides assistance.
Deductibles
Another essential factor you should research is deductibles. These details can also help guide your decision. This is the amount you need to pay each year before the insurance company pays out.
No Plan Covers Everything
Sadly, health coverage isn’t Superman. It won’t swoop in to save your wallet and wellbeing in many circumstances. No matter which insurance you choose, you’re still vulnerable without proper vehicle assurance.
There’s a silver lining, though. A few options will participate in motorcycle accidents. Some coverage can function as a last resort and help you in the recovery process. However, you need to check the policies that come with your insurance.
Keep in mind that most companies will ask you to pay back either a portion or the totality of your medical costs. Before making your choice, check on HealthMarkets for advice on the best plan that covers situations that seem like a real risk for you.
Where Health Insurance Can’t Help
After you’ve read into what expenses your health insurance helps pay, consider where it doesn’t. Here are a few examples of incidents where your coverage will never provide monetary aid.
- Property and vehicle damage
- Lost trips (transportation and others)
- Pain itself
- Damages including emotion
- Lost wages
- Child care expenses
For this list of exceptions, you can sign up for some types of vehicle insurance to ensure they’re covered.
Details you should also consider are items that most policies won’t help with. These usually include:
- Psychiatric assistance
- Drugs under prescription
- Nurses and other health personnel
- Costs for funerals
- Dental care
What You Should Do
Don’t opt for entirely relying on health insurance for motorcycle accidents. No plan will cover all of your medical and other expenses. If you don’t have the budget for several coverage types, try to look around for options that help recover from damages relevant to your risks.
A vital factor to consider is keeping records. Every step on your way to recovery has written documents that you need to track and obtain. Some include medical bills, receipts, and invoices.
You should remain vigilant, as even ambulance records about your condition and readings while on the way to a hospital are vital. These are documents that you’ll later need to present to your insurance company.
The Bottom Line
Most health coverage plans won’t cover many of the injuries from a motorcycle accident. It’s best to look into your vehicle insurance to see what is and isn’t covered. Between the two, you can work out what’s best for you.
