How Can I Pay My Medical Bills Before I Receive My Insurance Settlement?

by Alex

You can pay your medical bills before you receive your insurance settlement by:

  • Finding out if your healthcare provider will delay charging for treatment until the insurer agrees to cover it
  • Filing for workers’ compensation benefits, if the injury occurred at work
  • Finding out if your healthcare provider offers financial assistance or other forms of help to those in need

After an accident, you can file a claim with your insurer to seek a settlement that covers some of your accident-related expenses. This process is not always straightforward, though. Sometimes insurance companies delay paying you, making it difficult to cover your medical treatment costs in the meantime. A personal injury attorney from our firm can explain your options for paying your medical bills while you wait for your settlement.

Deferring Medical Bills Until Your Insurance Settlement Arrives

Your doctor wants to get paid for the services they provide. However, it does not benefit them to pressure you into bankruptcy or demand money you do not have. For this reason, they may agree to a medical lien.

By applying a medical lien, your healthcare provider:

  • Will not demand immediate payment for your accident-related treatment
  • Will take their payment out of the settlement you end up getting from the insurer
  • Will therefore bill the insurance company directly for payment—you would not have to pay your medical bills out of pocket

When you receive treatment after an injury, be honest with your healthcare provider. Explain that you were injured in an accident and you have either filed an insurance claim or plan to do so as soon as you leave the doctor’s office. The doctor may be able to direct you to the parties within their organization who are responsible for setting up liens.

Although a lien can work to your advantage, remember that you may not want to make any financial agreements with anyone until you consult an attorney. They can make sure the terms of the agreement are beneficial to you and do not involve any “surprises.”

Workers’ Compensation Benefits and Medical Bills

Workers Compensation Claim Form on Files

Say you were involved in a traffic accident while on the job and sustained a back injury. You could qualify to apply for workers’ compensation benefits.

Workers’ comp benefits cover, among other things, all of an injured employee’s medical bills. According to the New York State Workers’ Compensation Board (WCB), you could receive treatment at no charge.

Getting Financial Assistance With Your Medical Bills

Per the Consumer Financial Protection Bureau (CFPB), “nonprofit hospitals are required by law” to help patients pay their bills. Check to see if the facility where you were treated is a nonprofit. If it is, they will have a financial assistance program you can join.

For-profit facilities may also be willing to work out an agreement, even if they do not defer billing until you get your insurance money. Again, you might want to consult an attorney before you sign anything.

Our Attorneys Can Help You Pursue an Insurance Settlement

When you suffer an accident-related injury, you may be able to seek compensation from your own insurance company and/or from the at-fault party’s insurer. Who pays your medical bills depends on the circumstances surrounding your injuries.

Dealing With Insurance Companies

Your insurance policy may cover some of your medical bills. The insurance company is supposed to pay you within a certain time frame, but this is unfortunately not always what happens.

You could also obtain compensation from the at-fault party’s insurer. Before they agree to a settlement, however, they may want to:

  • Investigate how your accident happened and what injuries resulted from it
  • Talk to you about what happened
  • Collect evidence that shows who was at fault and the value of your injuries

This process can take a while, but you need medical treatment now. Our personal injury lawyer can help you to seek the money and the medical treatment you need by:

  • Explaining how you can pay your medical bills before you receive your insurance settlement money
  • Telling you if and when to accept an insurer’s settlement offer
  • Meeting with the insurer’s representatives and negotiating with them for a fair settlement
  • Collecting evidence to prove you need all of the treatment you have received and that the insurer’s client caused your injuries in the first place

Let Our Team Help You Seek an Insurance Settlement To Pay Your Medical Bills

Not all insurers give accident survivors what they need on the first try. Shulman & Hill could help you figure out how you can pay your medical bills before you receive your insurance money. To get a free case review at any time, reach out to our office at 866.880.0645.

Our History of Success


"The treatment received by Shulman & Hill was extremely excellent. They treated me like I was part of their family and that gave me a lot of confidence in them. I would recommend them one hundred percent because they are very trained in your area. I congratulate you and ask God to fill you with blessings. Gracias for your support."

Ramon E.

"I would like to thank The Shulman & Hill Law Firm in Brooklyn for their outstanding representation on my worker’s compensation case. The monetary reward exceeded our expectations and Alex worked closely with me to meet and exceed my goals."

John S.

"To anyone in need of a worker’s compensation lawyer, I highly recommend Alex Shulman and his team. They went above and beyond to best accommodate me during my time of injury. All my questions and concerns were answered in a timely manner and with the utmost professionalism. In addition and most importantly they fought to make sure I was correctly compensated for my injuries at time of settlement and didn’t rush to get paid. I will be recommending their firm to anyone and everyone in need of their services."

Chaim L.

"I am both satisfied and relieved with the results this extremely professional and reliable firm did. They lead me through the entire process, they never gave me any issues. They handled everything on their own, and always put a great deal of effort to ensure my comfort and best interest. They were always reachable and answered all my questions, and gave me information even when I didn’t know what the right question to ask was.  They turned a grave dilemma into something very manageable and repairable. They are efficient and do not linger with any paperwork, I was truly amazed at the results and the short time it took. I highly recommend them to anyone, and will seek their counsel in the future."

Akila B.

"I really appreciate the service I received with Shulman & Hill.  They walked me through the process and kept me informed every step of the way.  They would call and leave a message and when I called back, I was connected with a person who knew exactly what my call was about.  I was very satisfied with my settlements. Thank You!"

Aaron R.

"Alex Shulman did a wonderful job walking me through all the process of my case…making sure I understood all the legality and severity of all my hearing. I highly recommend their firm to handle any and all worker’s compensation cases. They strive for your wellbeing health-wise as well as aiming for the financial max."

Altagrace G.

"Schulman & Hill was my very first choice I chose for my WC case . I am very pleased with the outcome of my case. I would highly recommend them to friends. They are very professional and kept me informed during every step of this process. Should I ever need a WC attorney again, God forbid, Shulman & Hill it is, hands down . Thank you ."

Cheryl M.

"I had a great experience with Shulman & Hill. They have a great team and were very understanding and helpful from day one. I felt like I was in good hands and the outcome on my case overreached my expectations! I highly recommend this firm. You can be rest assured that they will fight for you rights."

Anna G.

"My experience with the Shulman & Hill lawyers during this process time was excellent, they are competent and very professional lawyers, they worked quickly with my case and they kept me informed of the whole process all the time. Shulman & Hill’s fans recommend them with closed eyes, thank you very much Shulman & Hill."

Carolyn G.

"Shulman & Hill is the best firm out there. They help you understand....since walking into Shulman & Hill, they have guided me...to get a win. I am completely happy with my compensation. What brought me to Shulman & Hill was their expertise in workers compensation and personal injury cases. What I found value in was in their mission to provide compassionate service..."

Jason S.

"I went to the Internet to find a lawyer to assist me to navigate worker’s compensation process. Shulman & Hill was my first choice  and I have no regrets. I was impressed with the prompt response to my case. I must comment on the office environment and office staff being  friendly, professional and prompt. A big thanks to the lawyers that represented me at the hearings and Valeria who helped to lessen my anxiety are dealing with legal issues. I have no hesitation in recommending this law firm to anyone that requires legal services."

Ita L.

"The best law firm in NYC! They explain everything to you and they are very generous and helpful. The lawyers are excellent and very respectful as also is the receptionist. I highly recommend the Shulman & Hill law firm."

Davis C.

"Excellent lawyers. Excellent service. I will recommend them as my first choice. They helped me with my case since day one. They know exactly how to work on a case and win it. They worked fast and were always in communication with me.  I won my case with a very high amount. Thanks to all the staff, I wish them my best. They will always be in my heart."

Grace B.

"Had a very positive experience working with Shulman & Hill in the worker’s compensation case. Everyone is very professional and competent. Received the maximum possible settlement in court. I am sincerely grateful to my lawyers and personally Alex Shulman for the work done. I wish you further success and prosperity."

Dmitry M.

"I am so glad that I chose Alex Shulman to represent me in my worker’s compensation case. I have definitely recommended him to some of my coworkers and friends who needed an Attorney. I am so happy with the service I got from him and his paralegals. Thank you very much to the entire staff at Shulman & Hill for everything!"

Ilya K.

"Shulman & Hill have been tremendously helpful in resolving my case. They are extremely professional and thorough. I would recommend them to anyone working to resolve a difficult case."

James M.

"I was very pleased with the work of this firm. They made sure I understood my case and I was never left out of the loop. They were professional and very friendly. I would recommend them to anyone looking for someone who is going to fight for you to the very end."

Jennifer D.

"Do not waste time looking for better. There is no better than Shulman & Hill. I am very happy I got introduced to them by my good friends. Definitely THE BEST there is."

Arian K.

"Shulman and Hill are the absolute best: JJ, Alex and Christine are powerhouse attorneys who get the best results for their clients. I feel like these guys took care of me like family. When you’re dealing with a worker’s compensation case, you’ll want a pit bull to represent you: Shulman & Hill is the firm you need."

Chelsea W.

"Wonderful service quality by the group of professional advocates in the law firm of Shulman & Hill! I did not expect that I will find a proper solution regarding my worker’s compensation. However, it has been possible by the experts and they have made the task easier over the period. Thanks to them for their help."

Corey A.

"I would definitely like to thank Mr. Alex Shulman and his entire staff at Shulman and Hill for their exceptional work in helping me with my Worker’s Compensation case. Their entire staff was courteous and professional from start to finish and all work was done in a timely fashion. I was previously with a different law firm who were not as informative, and they made me feel like I was a mere money to them. I personally recommend the law offices of Shulman & Hill for any injury/ worker’s compensation case you may have. They strive to get you a maximum reward for your injury, while maintaining the utmost courtesy and professionalism."

Dain J.


Explore Our Locations

Manhattan Office (Headquarters)

One State Street Plaza, 15th Floor, New York, NY 10004 Details

New York State Headquarters

One State Street Plaza, 15th Floor, New York, NY 10004 Details

Brooklyn Office

26 Court Street, #2216, Brooklyn, NY 11242 Details

Queens Office

92-03 Jamaica Ave, Woodhaven, NY 11421 Details

Bronx Office

1200 Waters Place, Suite 306, Bronx, New York 10461 Details

Long Island Office

265 Sunrise Highway, Suite 31, Rockville Centre, NY 11570 Details

New York City Office

One State Street Plaza, 15th Floor, New York, NY 10004 Details

Staten Island Office

New Jersey Office

111 Quimby St, Suite 9, Westfield, NJ 07090 Details

Long Island City Office

265 Sunrise Highway, Suite 31, Rockville Centre, NY 11570 Details

Free Case Consultation

Get your free, immediate case evaluation

By submitting you agree to our Terms & Privacy Policy.