This may be best for another place, but I didn't know where else to go with this weirdly specific question that I can't get the search engines to understand.
At the end of January 2025, I was involved in a multi car pileup in Oconee County, South Carolina. I was the one at the front who got rear ended to hell and so none of it was my fault. I went to the hospital, yada yada, I got lots of bills. My health insurance covered everything initially despite the person at fault being responsible for this payment. I waited for an update and started working with the car insurance of the at fault party on the settlement.
Months and months after the accident, Aetna (my health insurance at the time of the accident) sent me a letter from their attorney saying that they were revoking coverage so the other person could pay. Makes sense; I anticipated this would happen and I got a settlement for the full amount of the bills before insurance. However, nothing happened for the longest time. I got one phone call a couple of months ago but the info was garbled on the voicemail and they never called me back after I tried calling them back without the proper info.
Just today, over a year after the accident, I got an update from Prisma MyChart saying that I owe them money. It had been long enough after the accident that it took me a second to consider that it was the adjustment finally happening. But Aetna only removed about $3000 of coverage from the $10,000 that all of my hospital bills added up to. I requested the itemized bill even, and although I don't understand all the jargon, it seems as though they are still covering around $7000 of the bills I accumulated that day.
Does anyone recognize this situation and know what is happening? Are they actually still going to cover that $7k, or should I be expecting further updates to come through? I don't understand why they would cover anything but I also don't understand why they would send out an updated bill before all the changes on it had been made. Let me know what you think!
Thank you in advance!
Health Insurance Adjustment After Car Accident
byu/kaileypruett inInsurance
Posted by kaileypruett
1 Comment
Yes. Your health insurance paid bills and will cover bills from the accident. They will have a lien in the amount of your medical bills. Your health insurance isn’t not covering the bills, they should still handle them, however they do have a right to recover the amount they pay where a third party is responsible. So, you will be responsible for reimbursing the health insurance company the amount they paid from your settlement this is a normal process