Medical lien funding from High Rise Financial is funding you can apply for that will indeed cover the surgery(ies) you need now. If you don’t have insurance or if you have a high deductible, you may not have the funds to get the care you need. We can help.
If you suffered serious injuries in an accident or as the result of medical malpractice, it’s possible you will need multiple surgeries to help you fully recover or at least improve your quality of life.
How Medical Liens Work
If you went to the ER for care after your accident, they provided you with treatment without asking if you were insured. That’s because, under the Centers for Medicare and Medicaid Services (CMS)’ Emergency Medical Care and Treatment & Labor Act (EMTALA), hospitals have to provide emergency care, regardless of your ability to pay.
The hospital and individual doctors who treated you may place a medical lien on your eventual settlement once they learn you are unable to pay and have hired a personal injury lawyer.
Fill out the form to apply now.
You or your lawyer can fill out the application to get started with medical lien funding. You simply tell us about the surgery you need and where you plan to have it done. We’ll confirm whether the facility is in our network and, if they are, we ask your lawyer for all the documentation related to your case.
We can often approve you for funding within 48 hours. Once approved, you can go ahead and schedule the surgery, and your medical lien funding will cover the associated costs. This funding is tied to your eventual settlement or court award and is not related in any way to your personal finances. It is not a loan, so there won’t be any credit check or proof of employment necessary.
Surgeries Covered by Medical Lien Funding
As long as the surgery you need is directly related to the accident that caused you to file your personal injury case, it is covered by medical lien funding. In a typical car accident, surgeries you may need can include:
- General surgery
- Orthopedic surgery
- Plastic surgery
You may need specialized surgery, depending on your injuries. If your injuries are severe, you may need several surgeries to fully repair the damage done. All of these surgeries are covered by medical lien funding.
Additional Costs Associated with Surgery
In addition to paying the surgeon and facility for the use of their operating suite and surgical materials, your medical lien funding also covers any associated costs. These can include:
- Pre-operative screening and evaluation
- Imaging required prior to surgery
- Post-operative care
The bottom line is that you will not receive a bill for your surgery. You are not required to make a copayment or set up a payment plan. You get the surgery you need now without worrying about how you will keep a roof over your head later.
Paying Back Medical Liens and Medical Lien Funding
When you win a settlement or court award, those funds don’t go directly to you. The other side will transfer those funds to your lawyer’s account in your name.
Your lawyer will then handle disbursing those funds to pay all of the parties involved in your case. This can include:
- A hospital or doctor lien from your initial care (your lawyer may be able to negotiate this)
- Medical lien funding from High Rise Financial
- Other medical lien holders such as your insurance company, Medicare, or Medicaid
- Your legal fees and associated costs (expert witnesses, deposition fees, etc.)
They may make additional payments for your back taxes as well. Once all liens and legal costs associated with your case have been paid, the remainder of the settlement funds are yours. The fact that you pay all of these costs immediately after settlement means you won’t be saddled with monthly payments and high-interest rates.
And, if your lawyer negotiated a structured settlement, the first payment should be large enough to cover all the liens and legal fees. Further payments will be wholly yours. Structured settlements are more common in more severe injury cases or wrongful death claims.
What to Expect if You Lose Your Case
In the event you go to trial and lose your case, don’t worry – you’re protected. As with pre-settlement legal funding and your agreement with your lawyer, if you lose your case you don’t have to pay us back. We assume the risk that you might not win your case. This is outlined in the agreement that you sign to apply for funding.
Most of our clients go on to win a settlement or court award. We only provide medical lien funding for plaintiffs with a higher chance of recovering damages. While High Rise Financial is based in Los Angeles, California, we have a large network of doctors, surgery centers, and hospitals that treat and perform surgeries on medical liens.
Apply for Medical Lien Funding Today to Get the Surgery You Need
Applying for medical lien funding is free and easy. Either you or your attorney can apply simply by filling out the form. You tell us what surgery you need and what hospital or surgery center you want to use. We’ll request your medical records and case information and give you an answer within 48 hours.
If you have questions or need assistance, please call us at (866) 407-6404.