Does Medicare cover motorcycle accidents?

Generally speaking, yes – Medicare can cover injuries from motorcycle accidents much like any private health insurance plan. However, you should be aware that you might face out-of-pocket costs such as co-pays, deductibles, or caps on coverage. Understanding these details can ensure you maximize the benefits and manage any potential reimbursement obligations effectively.

Here’s what you need to know about how Medicare handles claims related to motorcycle accidents. Call our Nashville motorcycle accident lawyer at (615) 220-4180 if you’ve been hurt on your bike.

How Medicare covers motorcycle accident injuries

After a motorcycle accident, the injuries you sustain dictate what Medicare will cover. Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) cover most necessary medical treatments. This includes hospital stays, doctor visits, surgeries, and other medical needs that can arise after a motorcycle accident.

Coordination of benefits

If you have other forms of insurance, such as private health insurance or motorcycle insurance, that includes medical payments coverage, Medicare generally acts as the secondary payer. This means your primary insurance pays first, and Medicare only covers costs not covered by your primary insurance up to Medicare’s approved amounts.

Medicare and personal injury claims

If you receive a settlement from a personal injury claim related to your motorcycle accident, you may need to reimburse Medicare for medical expenses it covers. This is because Medicare has a right to recover from any compensation received from a third party responsible for paying your medical costs.

What Medicare does not cover

While Medicare covers many types of medical care, it does not cover all expenses. For example, Medicare generally does not cover long-term or custodial care if that is the only care you need. Additionally, if you need certain medical equipment for recovery that Medicare does not deem medically necessary, those costs would not be covered.

Importance of additional coverage

If you have a Medigap (Medicare Supplement Insurance) policy or are enrolled in a Medicare Advantage Plan, you might have additional coverages that can help with costs not fully reimbursed by traditional Medicare. These plans can cover additional costs like copayments, deductibles, and other services.

Navigating Medicare and other insurance claims after a motorcycle accident can be complex. Weir & Kestner Injury Lawyers can help ensure that you take all the right steps to secure the coverage you are entitled to under Medicare and other policies. We can also assist with securing compensation from any liable parties in the accident to help cover costs that Medicare does not.

We’re here to eliminate the confusion and get you compensation

If you have been involved in a motorcycle accident and need help understanding how Medicare and other insurances apply, contact Weir & Kestner Injury Lawyers today. Our experienced team can guide you through the insurance and legal processes, helping you focus on your recovery while we handle the complexities of your case.