Traumatic Brain Injury (TBI) is a significant cause of disability. The injuries can be as minor as a grade one concussion, which is a result of the head being momentarily jarred back and forth on impact and scans like normal after the event, or they may be more serious such as a grade three traumatic brain injury, which is a result of an object penetrating through the skull and scans like a fractured skull with fragments.
However, the medical expenses incurred from TBI and any Brain Injury remain high, whether a grade one concussion or a grade three severe traumatic brain injury.
Tips on How to Deal with TBI Medical Bills
Understand the Medical Expenses Caused by TBI
Medical expenses caused by TBI include all medical costs incurred when a person sustains an injury to the brain, whether an event caused it or not. It includes fees for transportation to and from appointments, medications, and home care products. It does not include lost wages associated with TBI.
Know About the Covered Medical Expenses
The medical expenses covered under health insurance policies vary depending on the insurance provider. The most common coverages for TBI include medications, homecare products, doctor’s fees, and diagnostic tests. However, checking your health plan coverage before making any unnecessary purchases or incurring any expenses on treatments or surgeries is essential.
Check for Coverage for Alternative Treatments
Some health care providers may offer alternative treatment options that effectively treat brain injuries. The traditional medical insurance providers do not cover these treatments, which can mean that the medicine may not be available to you.
Do Not Incur Unnecessary Medical Expenses
The best way to avoid unnecessary medical expenses is to keep track of all medical costs incurred by yourself or on your behalf when you were injured. Make sure you have receipts for all medical expenses covered by your health insurance plan so that you can submit them to your health insurance provider and make a claim for reimbursement for the costs.
Do Not Wait to File Your Health Insurance Claim
It is essential to file your claim and get the appropriate reimbursement for medical expenses incurred from TBI, no matter how small. The longer you wait to submit your claim, the more work you will have to compile a complete list of all medical expenses incurred since the injury. Make sure you do not give up on your health insurance claim, even if it takes months or years.
Know About the Different Methods of Payment
There are different methods of payment for TBI, including cash, check, or bank transfer. If you pay your medical expenses using money, it is essential to remember to deposit all checks into a checking account, not a savings account. Also, while getting reimbursed for cash payments made by an injured person is impossible, banks may still consider a small amount of money as collateral for the cash payment.
The cost of medical treatment for brain injuries can be high. However, having a proactive attitude and following the tips discussed above will ensure that you can get reimbursed for all your medical expenses incurred from TBI, no matter how minor or severe they may be. Consult a reputed law firm like Hutzler Law, they can help you in getting the payment for medical expenses incurred from TBI.