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For example, my son was in a fender bender car accident in August. He was hit from behind while he was stopped at a light. He ended up going to the hospital 1 mile away in an ambulance. After Cigna negotiated the bills with the hospital, ER doctor, radiologist and ambulance. I was still left with bills totaling over $3000 that I needed to pay out of my Health Savings Account. Originally they were over $8K. The hospital bill was $2355 after insurance. I called them and said I could not pay it. Immediately, they dropped the bill 35%. I offered them $1000. The person stated she would have to speak with her superior. She called me back the next day and said the best she could do was $1435. I paid that amount.

Why are you paying anything? The guy that ran into your son's car should be responsible for all of the bills - both automotive and medical.

Yes, we are being reimbursed by Geico the insurance company of the person who hit my son. They pay us. They will not pay the hospital, ambulance and doctors directly. They also will not pay us unless we sign a release. So, you want to make sure there are no more bills that are going to show up or that my son does not have some medical problem that does not show up immediately.
My son’s accident was in August. Then my medical insurance company(Cigna) will want to be reimbursed for what they paid to providers. They will come after us because we have been reimbursed by Geico.

Geico already paid for my son’s car to be repaired including a rental when his car was in the shop. That was the easy part.

Basically, this whole thing has been a tremendous pain in the A$$. It could have been a lot worse. The lady who sits behind me is going through her husband’s car accident. He missed work for over 6 months because of a head injury. His truck was totaled. He was on long tem disability. Talk about a pain.