Can I Use My Health Insurance to Pay Medical Bills After an Accident in Colorado?

If you’ve been hurt in a crash in Colorado, you may find yourself facing mounting medical bills—and wondering who is supposed to pay. One common question at Genco Injury Attorneys is: “Can I use my health insurance to cover my medical expenses after a car accident?”

The answer is yes—but there are some essential things to understand about how that works and what it could mean for your personal injury claim. Here, our Denver attorneys explain.

Can I Use My Health Insurance After a Colorado Car Accident?

You can use your health insurance to pay for accident-related medical care in Colorado. Doing so can be an essential step in getting treatment quickly—especially if you don’t have immediate access to other forms of coverage like MedPay or aren’t sure whether the at-fault driver’s insurance will pay right away.

Health insurance can help you:

• Get emergency care without delay.
• Covering diagnostic tests, surgeries, and follow-up visits.
• Pay for prescriptions and physical therapy.
• Avoid out-of-pocket expenses while your claim is pending.

However, your health insurance provider may seek reimbursement for those costs if you receive a settlement from the at-fault driver’s insurance.

What Is Subrogation—and Why Does It Matter?

When your health insurance pays your medical bills, and you later win a settlement or award from a Colorado personal injury claim, your insurer may have the right to be reimbursed.

This process is known as subrogation.

For example, if your health insurer covers $10,000 in medical bills and receives a $50,000 settlement, your insurer might file a lien and demand to be paid back from your compensation. While this might seem unfair, it’s standard practice—and our attorneys can often negotiate with the insurer to reduce the lien amount, putting more of your settlement in your pocket.

What If I Also Have MedPay Coverage?

Colorado insurers must offer Medical Payments (MedPay) coverage as part of the policy. Although optional, Colorado drivers often carry coverage as part of their auto insurance policies. MedPay can pay medical expenses—like emergency room visits, ambulance rides, or physical therapy—regardless of who caused the crash.

The good news is that MedPay usually pays first, before health insurance kicks in. It can also cover co-pays, deductibles, and expenses your health insurance doesn’t.

Our team at Genco Injury Attorneys can help you coordinate between MedPay and health insurance to minimize out-of-pocket costs and avoid unnecessary billing issues.

How We Help Injury Victims Navigate Medical Billing

Medical billing after a crash can quickly become overwhelming. You may receive bills from hospitals, specialists, imaging centers, and more while recovering from serious injuries.

At Genco Injury Attorneys, we help Denver crash victims by:

• Reviewing insurance policies to determine all available coverage.
• Ensuring your medical bills are correctly submitted and paid in the correct order.
• Negotiating with lienholders to reduce reimbursement demands.
• Building a strong injury claim to pursue full compensation.

Call Genco Injury Attorneys today at (303) 500-1376, or contact us online for a free consultation. We’ll make sure your rights are protected, your bills are handled appropriately, and your path to recovery is as smooth as possible.