How Is the Value of My Medical Expenses Calculated?

In Indiana, if you can establish liability in an injury claim, you are allowed to recover medical expenses.  So how do you calculate medical expenses?

The law entitles you to recover the reasonable value of medical expenses.  Well, what is the reasonable value?  You can present the total charged amount of the bills to a jury.  The jury can also see the amount medical providers accepted as payment for those bills.  The difference between those numbers would be discounts or write-offs applied by the medical provider and/or a health insurance company.

So what’s the reasonable value of the medical expenses?  A jury can pick one of those numbers (amount charged or amount paid) as the reasonable value of medical expenses or pick another number entirely.  It is all up to the jury.

If you have questions, give me a call.

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