How a Boston Lawyer Can Help With Medical Bills After an Injury?

Suffering an injury due to an accident can be devastating—not just physically, but also financially. Medical bills pile up quickly, often leaving victims feeling overwhelmed and unsure of how to pay for necessary treatments. From emergency room visits and surgeries to physical therapy and follow-up care, the costs can be staggering.

If you were injured due to someone else’s negligence or at work, you shouldn’t have to bear this financial burden alone. A personal injury lawyer in Boston can help you recover the compensation needed to cover your medical expenses, lost wages, and more. Legal experts like Joseph “Joe” Markey of Markey Law Partners are dedicated to fighting for injury victims and ensuring they receive the justice and financial relief they deserve.

Who Pays Medical Bills After an Injury in Massachusetts?

In Massachusetts, determining who pays for medical expenses depends on several factors, including the type of accident, applicable insurance policies, and liability. Here are the primary ways medical bills are covered after an injury:

1. Personal Injury Protection (PIP) – No-Fault Insurance

Massachusetts follows a “no-fault” insurance system for car accidents. This means that if you are injured in an auto accident, your own insurance policy will cover your initial medical expenses, regardless of who was at fault. This coverage is called Personal Injury Protection (PIP).

• PIP covers up to $8,000 in medical expenses, lost wages, and other costs.
• If you have health insurance, PIP will cover up to $2,000 in medical expenses, after which your health insurance kicks in.
• PIP does not cover serious injuries beyond the policy limit.
• If another driver was at fault, you can pursue additional compensation through their liability insurance.

Reference: Massachusetts General Laws Chapter 90, Section 34M

2. Health Insurance Coverage

Once PIP coverage is exhausted, your private health insurance or Medicare/Medicaid may cover remaining medical bills. However:

• Some health insurance plans require reimbursement from any future personal injury settlements.
• Certain treatments may not be fully covered, requiring out-of-pocket payments.
• You may still need to cover co-pays, deductibles, and additional expenses.

3. At-Fault Party’s Insurance (Third-Party Claims)

If your injury was caused by someone else’s negligence, you can file a claim against the at-fault party’s liability insurance for medical bills and other damages. This applies in:

• Car accidents where another driver was responsible.
• Slip and fall accidents due to unsafe conditions on someone else’s property.
• Construction accidents where a third party’s negligence contributed to the injury.

A personal injury lawyer in Boston will gather evidence, negotiate with insurers, and ensure you receive full compensation for your medical bills.

4. Workers’ Compensation (For Workplace Injuries)

If you are injured on the job, Massachusetts Workers’ Compensation laws ensure that your employer’s insurance covers all necessary medical treatments.

• Workers' compensation covers 100% of medical expenses related to your work injury.
• It also provides partial wage replacement while you recover.
• You cannot sue your employer for damages, but you may pursue a third-party claim if another party contributed to your injury.

Reference: Massachusetts Workers’ Compensation Law (MGL Chapter 152)

Challenges in Getting Medical Bills Covered

Even when you have insurance, getting your medical bills paid is not always straightforward. Common challenges include:

• Insurance denials – Companies often look for reasons to reject claims or minimize payouts.
• Delayed payments – Even approved claims can take months to process.
• Medical liens – Hospitals and medical providers may place a lien on your settlement, demanding payment before you receive compensation.
• Disputes over fault – If there is a question of liability, insurers may refuse to pay until a settlement is reached.

This is where a personal injury accident attorney in Boston can step in and fight for your rights.

How a Personal Injury Lawyer in Boston Can Help

A skilled lawyer can make a significant difference in how your medical bills are handled after an injury. Here’s how:

1. Investigating Your Case & Proving Liability

• A lawyer will gather evidence such as:
• Medical records and bills.
• Accident reports from police or workplace safety investigators.
• Witness statements and expert testimony.
• Video footage or photos of the accident scene.
• By proving that another party was at fault, your lawyer strengthens your claim for full compensation.

2. Negotiating with Insurance Companies

• Insurance adjusters often offer low settlements or try to blame the victim. Your attorney will:
• Ensure fair settlement offers that cover all medical costs.
• Counter unfair insurance tactics.
• Demand coverage for future medical expenses (e.g., physical therapy, surgeries, rehab).

3. Filing a Lawsuit if Necessary

• If insurers refuse to pay a fair amount, your attorney can take the case to court. A lawsuit may result in:
• A higher settlement or jury award.
• Coverage for pain and suffering, in addition to medical bills.
• Holding negligent parties accountable.

4. Handling Medical Liens & Bills

• Hospitals and health insurers often place liens on settlements, demanding repayment for medical services. Your lawyer can:
• Negotiate reduced payments with medical providers.
• Ensure fair distribution of settlement funds so you aren’t left with unpaid bills.

Real-Life Example: How Legal Help Made a Difference

Consider a recent case handled by Markey Law Partners:

• A Boston construction worker suffered a severe back injury due to unsafe work conditions.
• His employer’s insurance delayed payments, leaving him with thousands in unpaid medical bills.
• Markey Law Partners filed a third-party claim against the negligent contractor.
• The client received a six-figure settlement, covering all medical costs and lost wages.

Steps to Take After an Injury to Protect Your Rights

To improve your chances of recovering full compensation, follow these steps:

1. Seek medical treatment immediately and keep all records.
2. Report the incident (to the police, employer, or property owner).
3. Document everything – take photos, get witness contacts, and note details.
4. Consult a personal injury lawyer in Boston before speaking to insurance companies.
5. Do not accept quick settlements – they may not cover all future expenses.

Why Choose Markey Law Partners?

1. Results-Driven Approach – Proven track record of securing large settlements.
2. Client-Centered Advocacy – Personalized, compassionate representation.
3. No Fees Unless You Win – Contingency fee model for personal injury cases.
4. 24/7 Accessibility – Free consultations via phone, live chat, or in-person.

Conclusion

Medical bills after an injury can be overwhelming, but you don’t have to face them alone. A personal injury lawyer in Boston can fight for your right to full compensation, ensuring that insurance companies and negligent parties pay what they owe.

If you or a loved one has been injured, contact Markey Law Partners today for a free consultation. Let us help you rebuild your life.