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MEDICAL COSTS Sometimes a dog bite can cause injuries that will last a lifetime if not treated properly. It's important to get full and complete medical attention for the victim. If a dog bite victim is covered by their own medical insurance, HMO, or similar medical coverage, they should use that resource to get the medical attention that is needed. However, there are other sources that will pay for medical care. These include the homeowner's insurance for the owner of the dog that caused the attack. There are also some situations where a medical doctor or medical provider will accept a medical lien, or promise of future payment, to come from the eventual settlement or verdict of a dog bite claim. There are also circumstances where a victim may believe that their own medical insurance or HMO will not provide them with all the medical care that they should properly have. An example would be a refusal to pay for extra services from a plastic surgeon or refusing to pay for psychological counseling. Sometimes we want to use the services of doctors or medical providers that the HMO will not cover. I always discuss all these issues of full medical coverage with my clients. |