What help is available for paying personal injury medical bills?

In the immediate aftermath of your personal injury, you went to an Ohio hospital to receive treatment. You are on the road to recovery, but now you have medical bills adding financial pain to your physical pain. 

You have options for lowering your medical costs. Learn more about those options to ease your financial burden while getting back on your feet. 

Look for errors

Take a careful look over your medical bills, checking for double-billing, odd fees and charges for services or treatment that you did not receive. If you have insurance, make sure your provider covered everything included in your policy. Ask for your personal injury medical records and compare them with your bills. All received services should match what you see in your records. 

Ask about paying the insurance rate

If you either do not have insurance or received treatment that your provider does not cover, ask the medical facility if you can pay the insurance or Medicare rate. Often, individual payees pay more than insurance companies, but the hospital may reduce your bill if doing so means you pay faster and they get something rather than nothing. 

Negotiate with the hospital

Maybe paying in installments makes for an easier option than paying your bill in full in a single payment. Contact the hospital billing office and explain your financial situation and ask if they can put you on an interest-free installment plan. Another option is paying what you can in cash rather than with a debit or credit card. Doing so could net you a discount. 

Even if you qualify for compensation because of your personal injury, you still have medical bills to pay. Work to lower those bills to give yourself one less thing to worry about while you build your case. 

How can you prevent contact with power lines?

According to Occupational Health and Safety Magazine, approximately 10% of all construction workers’ deaths are due to electrocution. Among the many serious injuries that you can sustain from a non-fatal electrical shock are cardiac arrest, uncontrollable muscle contractions and severe burns.

There are many work-related situations in which you risk exposure to potentially deadly levels of electricity. One of the most dangerous possibilities is coming in contact with power lines while working on a ladder. Here are some ways that you can prevent this from happening.

1. Conduct ladder inspections

Before and after every use, inspect the ladder for damage. Make sure the ladders you use are dry and clean. If available, ladders with non-conductive side rails present less risk of an electrical accident but do not provide absolute protection.

2. Carry ladders correctly

You are more likely to come in contact accidentally with an overhead power line if you try to move an extension ladder in the upright position. If you need help moving a ladder, ask a co-worker for assistance.

3. Move away quickly

A ladder that has accidentally come in contact with an overhead power line may become energized. Avoid touching it and move away quickly and safely to avoid a shock. Immediately contact the electric utility company.

4. Maintain proper clearance

Even if you or your ladder do not come into direct contact with the line, working too close to it can still expose you to a shock that can result in death or serious injury. An arc of electrical energy can form if you do not maintain adequate clearance from the energized power line.