Letter of Protection For Medical Treatment In Texas
There are a number of documents that lawyers in Texas use when they are working up a car accident injury case. One of these often vital documents is referred to as Letters of Protection. If you have questions about how you will be able to pay for your medical treatment following a car accident, we strongly advise you to seek help from a Houston Attorney.
What is a Letter of Protection?
A Letter of Protection is drawn up by a lawyer to protect the interests of doctors and other medical treatment facilities. If you were injured in a car accident and you do not have health insurance or if you do have health insurance but your co-payments are too high for your treatments, a Letter of Protection (LOP) can be issued so that you can be treated at no cost to you. No matter what type of medical ailment you are suffering from, you may go to seek treatment from any of the following:
- Orthopedic surgeons and doctors;
- Dentists; and
You may also receive a wide range of outpatient services, including the following:
- Computed Tomography (CT Scan);
- Magnetic Resonance Imaging (MRI);
- Physical Therapy; and
- Pain Management.
If you do not have health insurance, you should talk to an attorney. A Letter of Protection can only be issued by a lawyer and in some cases it is the best option for you to get treatment and recover from your injuries.
What Does This Mean for My Case?
The most important aspect of a Letter of Protection is that it allows people who have been injured to get to the doctor. Many people believe that they cannot get help if they have been injured in a car accident simply because they have no insurance or inadequate insurance, which is false. This false belief and incorrect assumption regarding LOPs lead people to:
- Think that they will just get better in time on their own, which rarely happens after a car accident and it is not advised. You should contact a lawyer immediately; and
- Delay their treatment. If you do not get treatment until weeks after your accident, insurance companies look at this “delay” and use it as a tactic to deny that you were injured. This type of delay in treatment is very detrimental to your injury case.
Many of our clients think that under a Letter of Protection they are going to owe money in the end.
The fact is NO ONE, even your lawyer gets paid until your case settles. The LOP allows you to get treated immediately following your accident at no cost or risk to you so it is your best option if you have no health insurance.
Call a Houston Attorney
Texas is the second worst state in the country for employment-based insurance, with only 47% of Texans having this coverage, according to Texas Medical Association. Moreover, the average inpatient state- or government-run hospital stay, per day, is nearly $1,000 more in Texas than the national average, according to the Hospital CFO Report.
Because of this, LOPs are more important than ever, and having an attorney with experience is vital. Call the offices of Michael P. Fleming & Associates today for free consultation.
Texas Medical Association, Uninsured in Texas
Becker’s Hospital Review, Average Cost of Inpatient Stays