Does Health Insurance Cover Motorcycle Accident Injuries?

Motorcycle accidents can cause serious injuries that require expensive medical treatment, which can quickly drain a person’s savings. Many motorcyclists assume that their health insurance covers the cost of their medical treatment, but this may not always be the case.

Here’s what you need to know.

Policies Vary

Health insurance policies vary depending on the insurance provider and the coverage selected by the policyholder. However, most health insurance policies cover medical treatment for injuries sustained in a motorcycle accident. This includes expenses such as hospitalization, surgeries, rehabilitation, and prescription drugs.

Some health insurance policies may also cover the cost of medical equipment and supplies, such as crutches or wheelchairs, needed as a result of the accident. However, it’s important to note that some policies may have exclusions or limitations on coverage for certain types of injuries, such as injuries sustained while operating a motorcycle.

Even with Coverage You Might Still Have Costs

It’s also important to know that health insurance policies have deductibles, copays, and out-of-pocket maximums. This means you’re responsible for paying a certain portion of the medical bills.

For example, if a person has a $1,000 deductible and they incur $10,000 in medical expenses, they’re responsible for paying the first $1,000 before the insurance coverage kicks in.

If the cost of medical treatment exceeds the policyholder’s out-of-pocket maximum, the insurance provider will cover the remaining costs. The out-of-pocket maximum is the highest amount the policyholder will need to pay for medical expenses in a given year. Once this amount is reached, the insurance provider will cover all additional medical costs for the rest of the year.

In some cases, health insurance may not be sufficient to cover the cost of motorcycle accident injuries. For example, if the injuries are serious and require long-term care, the cost of medical treatment may exceed the policyholder’s out-of-pocket maximum. In this case, the policyholder may need to seek additional forms of insurance or financial assistance.

Contact Your Insurance Provider

Health insurance does typically cover medical treatment for injuries sustained in a motorcycle accident. However, the extent of coverage varies depending on the policy. It’s important for motorcyclists to carefully review their insurance policies and understand the deductibles, copays, and out-of-pocket maximums to be prepared for any potential accidents that may occur.

In some cases, additional forms of insurance or financial assistance may be necessary to cover long-term care and other expenses. With the right insurance coverage and preparation, motorcyclists can ensure that they are protected in case of an accident.

Contact a Personal Injury Attorney

If you’re concerned your health insurance isn’t providing adequate coverage after an accident or you wish to pursue legal action against another person involved in an accident, we can help. To schedule a consultation to discuss your situation, contact Shugarman & Mehring at 410.783.4200 or toll-free at 888.342.7200.