If you were seriously injured in an accident, chances are good that you have mounting medical bills and are wondering how to pay them. If the accident was caused by someone else, you probably hired a personal injury lawyer to help you recover damages. The good news is that medical lien funding covers all types of care, so long as it’s related to the accident in your claim.
Medical lien funding is a way to pay for the medical care you need without any upfront bills or balances due. We have a network of doctors, surgery centers, and hospitals that work on a medical lien basis. This means they agree not to charge you anything upfront, so long as they receive payment when your case settles.
Common Types of Care Covered by Medical Lien Funding
With medical lien funding from High Rise Financial, we pay healthcare providers and facilities directly and on your behalf for all types of care. In a majority of cases, they receive a portion of their normal fee and collect the rest when you win your case.
The most common types of care covered by medical lien funding include but are not limited to:
Your personal injury lawyer may need to set up an expert medical evaluation to help build your case. You might also need a pre-operative evaluation to clear you for surgery. Medical lien funding covers these evaluations.
Depending on your injuries, you may need to see a specialist (or utilize their services) to get the care you need. This can include:
- A neurologist
- A podiatrist
- An anesthesiologist
- A psychiatrist
- A radiologist
- A sleep disorder specialist
No matter the specialty care you need after your accident, it will be covered by medical lien funding.
If you suffered a traumatic brain injury (TBI), broken bones, or internal injuries, you probably had imaging done in the emergency room, such as X-rays, CAT scans, and MRIs. With more serious injuries, you may need periodic imaging to confirm you are healing as expected.
Additional imaging may also be used to explore the need for surgery. No worries—the costs for all necessary imaging related to your accident is covered by medical lien funding.
Surgery of all kinds is covered by medical lien funding, so long as the surgery is directly related to the injuries you suffered in your accident. It would not, however, cover elective surgery.
We have a network of surgeons with whom we work. We will also cover the bill for the surgery center or hospital, as well as the anesthesiologist and all other associated costs.
Types of surgery covered by medical lien funding include, but are not limited to:
- Orthopedic surgery
- Thoracic surgery
- Cardiac surgery
- Oral surgery
- General surgery
- Plastic surgery (related to your injuries)
You may be in intense pain due to the injuries you suffered in your accident. Opioids, once commonly prescribed for pain before or after surgery, are highly addictive. This is why pain management specialists have become so important.
They diagnose the exact source of your pain and come up with a comprehensive plan to help alleviate your pain. We can help you pay for their services.
Rehabilitation and Therapy
Rehabilitation is covered by medical lien funding as well. If you’re recovering from more serious injuries, like a traumatic brain injury (TBI), you likely need a variety of rehabilitation interventions to help you recover.
This might include:
- Physical therapy
- Occupational therapy
- Speech therapy
- Language therapy
- Cognitive therapy
- Pulmonary rehabilitation
All of these treatment options would be covered by medical lien funding.
Mental Health Care
Your mental health is as important as your physical health. Many personal injury plaintiffs have anxiety, flashbacks, and other symptoms of post-traumatic stress disorder (PTSD). The Mayo Clinic defines PTSD as a mental health condition that’s triggered by a terrifying event, and it can become incapacitating.
It’s perfectly normal for accident victims to feel anxiety and depression as well. We’ll help connect you to a lien-based mental health provider who can provide an assessment and recommended treatment plan that includes healthy coping strategies to deal with the mental anguish after an accident.
Mental health care covered by medical lien funding would include:
- Evaluation and diagnosis
- Individual therapy
- Prescription medication
- Addiction treatment (if your addiction can be tied to your accident)
Prescription medication can be expensive—so much so that some people split pills or don’t get their prescriptions filled at all. Medical lien funding can cover your prescription medication so you can be fully compliant with your treatment plan.
Taking prescriptions as directed can help you cope with both the physical and mental aspects related to your accident.
How We Arrange Care
When you apply for medical lien funding, you tell us the type of care you are seeking by naming the specialist you need to see or the surgery you need to have. We then check to see if we have a lien-based doctor in your area and, if we do, we request all of your medical records and personal injury case information.
We pass most of that information on to the doctor and can set up your first appointment. From there, you communicate with the doctor directly.
If you need surgery, we’ll confirm that your hospital or surgery center is in our network. Then, we will request all of your medical records and case information. Upon reviewing the documentation, we will approve or deny your request for funding within 48 hours.
Apply for Medical Lien Funding Today
Either you or your lawyer can apply for medical lien funding using the form provided. We offer a quick turnaround time on scheduling doctor’s appointments and surgeries to get you the care you need at no upfront cost to you.
If you have questions, you can call us at (866) 407-6404.