That’s where Best Call Funding comes in. We help injured victims access fast, risk-free cash advances to cover their medical needs while their legal case moves forward. This article breaks down your real-world options for funding medical treatment—and how we can be part of the solution.

After an accident, the medical bills start piling up fast—and they’re often higher than expected. Emergency room visits, ambulance transport, surgeries, follow-up appointments, diagnostic scans, prescription medication, and physical therapy are just a few of the standard costs. If your injuries are serious, you could be looking at months—or even years—of treatment.

This is why funding medical treatment becomes such a critical part of the recovery process. Even with insurance, you might face high deductibles, co-pays, or treatment costs not covered under your plan. If you’re uninsured, the financial strain can be overwhelming.



Some accident victims avoid care or delay vital treatments simply because they don’t know how to pay. But postponing care can make your injuries worse—and weaken your legal case if you’re pursuing a personal injury claim. That’s why understanding the real cost of medical care and the options for managing it is so important.

If you have health insurance, that’s usually your first line of defense. Your policy can help cover many of the costs related to your accident. But using health insurance for accident-related treatment isn’t always straightforward.

Depending on your policy, you may still need to meet a deductible before coverage kicks in. You’ll also have co-pays for each visit, and there might be caps on coverage depending on your plan limits. Some treatments—especially long-term physical therapy or certain surgeries—might not be fully covered.



Then there’s the issue of subrogation. This means your insurance provider may seek reimbursement from any future personal injury settlement you receive. So while your insurance helps upfront, it can affect your payout later. If you’re planning to use health insurance for funding medical treatment, make sure your attorney is involved early in the process to avoid surprises.

If the accident involved a vehicle, your own car insurance might also cover some medical expenses. Two types of coverage come into play here: Personal Injury Protection (PIP) and Medical Payments coverage (MedPay).

PIP is required in no-fault states and covers a portion of your medical expenses, lost wages, and even essential services like transportation or childcare. MedPay is optional in many states and strictly covers medical costs from a car accident.



Both are valuable tools for funding medical treatment, especially in the early stages when bills start rolling in. However, the limits are usually low—often just a few thousand dollars. Still, these benefits can buy you some time and help keep the pressure off while you pursue other funding options.

If you don’t have private insurance or your auto benefits run out, you might qualify for government programs like Medicaid or Medicare. Medicaid is designed for low-income individuals and families, while Medicare is typically available to those over 65 or with certain disabilities.

These programs can be a lifeline for accident victims, especially those with long-term or complex treatment needs. Medicaid, in particular, offers broad coverage for doctor visits, hospital stays, and rehabilitation.

To use these programs for funding medical treatment, you’ll need to apply and prove eligibility—which can take time. And not every hospital or doctor accepts Medicaid or Medicare. Still, if you qualify, this can drastically reduce your out-of-pocket expenses and ensure you get continuous care.

It’s also worth checking whether your state offers other forms of public health assistance or accident-related aid programs. These vary by region but could provide temporary medical support during your recovery.

If traditional insurance options aren’t available or are already maxed out, many healthcare providers are willing to offer treatment under a medical lien or payment plan. A medical lien is an agreement where your doctor provides treatment now and gets paid later from your legal settlement.

This is a powerful option for funding medical treatment when cash flow is tight. You receive the care you need immediately, without having to worry about upfront costs. In return, the provider files a lien with your attorney, ensuring they’re paid once your case is resolved.

Payment plans are another possibility. Some hospitals or doctors will let you pay in installments—especially if you’re represented by an attorney. These plans usually don’t require credit checks, and they’re designed to be manageable based on your situation.



Just be sure to keep track of all agreements and documentation. Medical liens are legal contracts, and they can affect your final settlement. That’s why it’s critical to coordinate with your lawyer when using this option to fund treatment after an accident.

When you’re in the middle of a legal case and don’t have immediate cash for healthcare, pre-settlement funding can be a powerful financial tool. It allows injured individuals to access a portion of their expected settlement upfront to cover urgent expenses like hospital bills, physical therapy, prescriptions, and follow-up care. This type of funding is non-recourse—you only repay if you win your case.

Pre-settlement funding is one of the fastest ways to cover medical treatment costs without resorting to credit card debt or personal loans. It's especially helpful when insurance coverage has been maxed out or doesn't apply. Most companies that offer this service will evaluate the strength of your personal injury claim in coordination with your attorney before extending an offer.

How Best Call Funding Supports You

At Best Call Funding, we specialize in pre-settlement advances that help accident victims access the treatment they need—without the financial burden. We work directly with your attorney to evaluate your case quickly and fairly. There are no credit checks, job history requirements, or upfront fees.

If approved, you can receive your funds in as little as 24 hours. You can use the money for most medical expenses: emergency care, physical therapy, follow-up treatments, or medication. And if your case doesn’t win? You owe nothing.



Our mission is to remove the stress from the recovery process by making funding medical treatment simple, transparent, and safe. Thousands have already trusted Best Call Funding to stay afloat while they heal—and so can you.

Charitable Organizations and Non-Profit Assistance

In addition to insurance and funding services, charitable organizations can also help with funding medical treatment after an accident. National nonprofits like the HealthWell Foundation, Patient Advocate Foundation, and local community groups sometimes offer grants or aid programs for accident-related injuries.

These organizations typically have eligibility criteria based on diagnosis, income level, or financial hardship. They may cover direct medical costs, travel for treatment, or ongoing support services. While these programs are limited and often require documentation, they can make a real difference for individuals with few other options.



It’s worth researching what’s available in your region. Many hospitals also have in-house financial assistance departments that can help you apply for aid or set up payment forgiveness based on your situation. You won’t know what’s possible until you ask.

Legal Considerations and Consulting an Attorney

No matter which option you choose for funding medical treatment, it’s essential to consult with an attorney if you’re involved in a personal injury case. Medical liens, insurance subrogation, and settlement advances all impact your final payout—and your legal team can help you make informed decisions.

An experienced injury lawyer can also negotiate with healthcare providers on your behalf, potentially lowering your bills or delaying collection until your case resolves. They can review funding contracts, ensure compliance with state laws, and coordinate between all parties to protect your financial interests.

If you don’t have legal representation yet, now is the time to get it. Many personal injury lawyers work on contingency, meaning they only get paid if you win—just like with pre-settlement funding. That means no upfront cost to you.

When your health and finances are both on the line, having a legal expert by your side can give you peace of mind.

Putting It All Together: Choosing the Right Path Forward

There’s no one-size-fits-all answer when it comes to funding medical treatment after an accident. The right solution depends on your insurance coverage, financial situation, case strength, and treatment needs.

Some people use a mix of options—insurance, then auto coverage, then a medical lien or pre-settlement advance. Others might rely on charitable aid or structured payment plans. What matters most is knowing your options and making choices with eyes wide open.

At every step, communication is key. Talk to your lawyer. Talk to your providers. Ask for help where it’s available. And don’t be afraid to explore non-traditional options if it means getting the care you need without sacrificing your financial future.

The good news? You’re not alone. With the right team, smart planning, and a little creativity, funding medical treatment doesn’t have to delay your healing—or your peace of mind.

Conclusion: Let Best Call Funding Help You Heal Without the Hassle

No one should have to choose between recovery and financial survival. With the right help, funding medical treatment doesn’t have to mean falling into debt. Whether you're waiting on a settlement or running out of insurance coverage, Best Call Funding can provide the support you need—fast, easy, and without risk if you don’t win your case.

We work with your attorney to get you approved quickly, so you can focus on healing while we handle the funding. Ready to take the next step? Reach out to Best Call Funding today—we’re here to help you move forward with confidence.

FAQs

1. What is the best way to start funding medical treatment after an accident?

The best starting point for funding medical treatment is to use any available health insurance or auto policy coverage. Personal Injury Protection (PIP), MedPay, or your own insurance plan can cover immediate costs. If these are unavailable or limited, pre-settlement funding may help bridge the gap while your case is pending.

2. Can I still get funding medical treatment if I don’t have insurance?

Yes, several options exist for funding medical treatment without insurance. These include applying for Medicaid, seeking care at facilities with charity programs, or arranging treatment under a medical lien. Some companies also offer pre-settlement advances if you have a pending injury claim with legal representation.

3. How does a medical lien work for funding medical treatment?

A medical lien allows you to receive treatment now, with payment deferred until your personal injury case settles. Doctors or hospitals agree to get paid from your settlement. It’s a common method of funding medical treatment when upfront cash or insurance coverage isn’t available, especially in accident cases.

4. Is pre-settlement funding a good option for medical bills?

Pre-settlement funding can be a helpful option for covering urgent medical bills when you're waiting for your case to resolve. It’s not a loan—you repay only if you win. This kind of funding medical treatment solution gives accident victims access to care without immediate out-of-pocket costs.

5. Are there risks involved in using outside help for funding medical treatment?

Yes. Some funding options—such as unclear lien agreements—can reduce your final injury settlement. That’s why it’s crucial to read the fine print and involve your attorney in the process. The most reliable way to fund medical treatment is by working with transparent providers and ensuring legal guidance before signing any agreement.