What to Do If You Can’t Afford Medical Treatment After an Injury in New York City
Injured in a New York City accident but can’t afford medical treatment? Learn your legal options – including No-Fault insurance, Medicaid, and medical liens – and how Greenstein & Pittari, LLP helps NYC injury victims get care without paying upfront.
Injured in New York City and Can’t Afford Medical Care? Here’s What to Do
Getting injured in an accident in New York City can turn your life upside down – especially when medical bills pile up and you can’t work. Whether you were hurt in a car crash, slip and fall, construction accident, or another incident, getting prompt medical treatment is vital for your health and your legal rights.
Why Immediate Medical Treatment Is Critical
1. Protect Your Health: Even minor injuries – like whiplash, concussions, or soft-tissue damage – can worsen over time. Getting examined right away helps ensure a faster recovery and prevents complications.
2. Protect Your Legal Rights: Medical records are essential evidence in any New York personal injury claim. Insurance adjusters often use treatment delays to argue your injuries aren’t serious or weren’t caused by the accident. Getting care immediately strengthens your case and preserves your credibility.
Hospitals in NYC must provide emergency treatment regardless of your ability to pay.
Options to Get Medical Treatment in NYC When You Can’t Afford It
1. New York’s No-Fault (PIP) Insurance
If you were injured in a motor vehicle accident, New York’s No-Fault (Personal Injury Protection) covers medical bills up to $50,000 per person, no matter who caused the crash.
Covered expenses include:
- Emergency and hospital care
- Diagnostic testing and physical therapy
- Prescription medications
- Transportation to medical appointments
- Up to 80% of lost wages (max $2,000/month for 3 years)
You must file a No-Fault claim (Form NF-2) within 30 days of your crash. An NYC car accident lawyer can ensure your paperwork is accurate and submitted on time.
2. Private Health Insurance, Medicaid, or Medicare
If your injury didn’t involve a vehicle, or your No-Fault coverage runs out, use your private health insurance to cover treatment. Even with high deductibles, prompt care is essential.
If you don’t have insurance, explore these New York State health programs:
- Medicaid – Free or low-cost healthcare for qualifying residents
- Essential Plan – Affordable coverage for adults not eligible for Medicaid
- Child Health Plus – Coverage for children under 19
- Medicare – For seniors and disabled individuals
You can apply through the New York State of Health Marketplace.
3. Workers’ Compensation
If you were injured while working – even while driving or performing job duties off-site – you may qualify for New York Workers’ Compensation benefits.
This system covers:
- 100% of necessary medical care
- A portion of your lost wages
- Rehabilitation and disability benefits
Report the injury to your employer immediately and consult a New York workers’ comp attorney to file your claim correctly.
4. Medical Liens and Letters of Protection
Many NYC doctors who treat accident victims will provide care under a Letter of Protection (LOP) – an agreement from your lawyer promising payment once your case settles.
Similarly, hospitals can place a medical lien, allowing you to receive treatment now and pay later. These options ensure uninterrupted care without upfront costs.
5. Pre-Settlement Funding
If you’re waiting for a settlement and struggling to pay medical bills, lawsuit funding companies offer cash advances.
However, these loans often carry high interest—please speak with your attorney first before you agree to any funding arrangement.
Legal Options for Recovering Medical Costs
If another person or business caused your injury, you may be entitled to compensation for:
- Current and future medical expenses
- Lost wages and diminished earning capacity
- Pain and suffering
- Rehabilitation and long-term care
A New York City personal injury lawyer can file your claim, negotiate with insurance companies, and connect you to medical providers who will treat you now and get paid after your case settles.
Practical Steps to Take Immediately
- Get Medical Care Right Away – Visit an emergency room or urgent care clinic.
- Document Everything – Keep copies of all medical bills, prescriptions, and doctors’ notes.
- Ask About Payment Options – Inquire about payment plans, charity care, or LOP treatment.
- Consult a Personal Injury Attorney – A lawyer can help you access treatment, file claims, and secure compensation.
Frequently Asked Questions (FAQ)
1. Can I get treatment in NYC if I have no insurance?
Yes. Hospitals must treat emergency patients under EMTALA, and many offer charity care. You may also qualify for Medicaid or care under a Letter of Protection.
2. How soon should I see a doctor after my accident?
Immediately. Delaying care can harm your health and your legal case. Insurance companies look for “gaps in treatment” to deny claims.
3. What if my No-Fault (PIP) benefits run out?
Once PIP is exhausted, your private insurance, Medicaid, or Medicare can cover the rest. If your injuries qualify as “serious” under NY law, you may sue for full compensation.
4. Will I owe medical bills after my settlement?
If your care was paid under a lien or by an insurer, they may request repayment. Your attorney can negotiate reductions so you keep more of your recovery.
5. How long do I have to file a personal injury lawsuit in New York City?
Most cases must be filed within three years (less if a government agency is involved). Please contact a lawyer right away to protect your claim.
Get Help from Greenstein & Pittari, LLP
At Greenstein & Pittari, LLP, we help injured New Yorkers get quality medical treatment and maximum compensation – even if they can’t afford to pay upfront.
We work closely with trusted NYC doctors and specialists who treat clients under Letters of Protection, ensuring you get the care you need while we fight for your recovery.
Call 1-800-VICTIM2 (1-800-842-8462) or contact us online for a free consultation.
You pay nothing unless we win – that’s our Fee Guarantee.
Why Choose Greenstein & Pittari, LLP
- Offices in Harlem, Bronx, Brooklyn, Queens, Staten Island, Yonkers & Nassau County
- No Fee Unless We Win – Our Fee Guarantee
- Bilingual services available
- Hundreds of 5-star client reviews
- Named to Best Lawyers and Super Lawyers lists
- We handle the insurance companies so you can focus on healing
Don’t Be a Victim Twice – Call 1-800-VICTIM2 Today.
The call is free. The consultation is free. You don’t pay unless we win.
