Can You Be Reimbursed for Out-of-Pocket Medical Bills After a Denver Injury?

Suffering an injury in a crash or other serious incident can leave you not only in pain, but also facing medical expenses you never planned for. Many injury victims in Denver are surprised to learn how much they must pay upfront, even if they have health insurance. Emergency room visits, co-pays, prescriptions, follow-up treatments, and specialist appointments can add up quickly. The good news is that in many personal injury cases, you may be entitled to reimbursement for these out-of-pocket medical costs.

At Genco Injury Attorneys, we help injured people in Colorado recover the full compensation they deserve, including for medical bills they’ve already paid. Here’s what you need to know.

What Are Out-of-Pocket Medical Costs?

Out-of-pocket costs are any expenses you pay directly due to your injury. These are not covered by insurance or were only partially covered, forcing you to make up the difference.

Common examples include:

• Emergency room co-pays or deductibles.
• Prescription medications.
• Medical equipment such as crutches or braces.
• Transportation to and from doctor appointments.
• Over-the-counter pain relievers or wound care supplies.
• Specialist visits or therapy are not fully covered by insurance.

If you paid for any of these services or items because of someone else’s negligence, they may be considered part of your personal injury claim.

Can You Be Reimbursed? The Short Answer Is Yes

In most Denver personal injury cases, you can seek reimbursement for these out-of-pocket expenses as part of your economic damages. Colorado law allows injured victims to recover the full value of their financial losses caused by another party’s negligence. That includes both medical costs billed to you and those you’ve already paid.

However, simply telling an insurance company that you paid for a doctor visit isn’t enough. You will need to provide clear documentation and connect each expense directly to your injury.

What You Need to Prove to Recover These Costs

To be reimbursed for out-of-pocket expenses, you must show:

• The expense was necessary for your injury treatment.
• You paid for it, with supporting evidence in receipts, credit card statements, and invoices.
• It directly relates to the accident and not a pre-existing condition.

We advise clients to save every receipt, even for small purchases like gauze or ibuprofen. Over time, those minor expenses can add up, and they can strengthen your overall claim.

What If You Used Health Insurance or MedPay?

Even if your health insurance or MedPay (Medical Payments Coverage) paid part of your bills, you may still have co-pays, deductibles, or remaining balances. Those amounts are also recoverable in your injury claim. In many cases, your insurance company may place a lien on your settlement to be reimbursed for what they paid, but you are still entitled to recover what you spent.

We Help You Recover Every Dollar You Deserve

At Genco Injury Attorneys, we don’t just focus on the hefty medical bills or lost income. We work to recover every dollar our clients are owed, including the everyday costs that can place a heavy burden on injured individuals and families. From ER co-pays to therapy transportation, your out-of-pocket expenses matter, and we will fight to include them in your case.

Contact our Denver personal injury attorneys today for a free consultation. Let us help you recover the compensation you deserve without paying anything up front.