When planning your insurance coverage, it is important to include potential costs of medical expenses related to an injury. These can range in type and amount, but it is a good idea to anticipate health care costs accordingly and be prepared.

Emergency services

While emergency treatment is often not necessary for every injury, EMS services are often needed for a range of injuries. Any injury or medical condition, if severe enough, might require the attention of emergency services. The average cost for an emergency room visit for the average American is $1,233. Emergency room costs at your local hospital or urgent care center should be factored into your health care cost plan.

Medical care

A doctor’s office exam and treatment for an injury can add up quickly. Keep up with current charges, including deductibles, copays, and out-of-pocket costs, to be seen by your regular physician. Children and the elderly are typically more prone to injuries that require medical attention, so plan medical coverage and costs with that in mind.

Dental reconstruction

Dental insurance is often a separate insurance policy from other health insurance, so it is essential to be aware of the types of coverage provided under both a medical and a dental health care plan in case of an accident. Chipped or broken teeth, as well as missing teeth or jaw injuries, are commonly the result of an accident. To some degree or another, dental reconstruction usually means getting implants to replace individual teeth or dental bridges to replace multiple teeth. Reconstructed teeth restore the aesthetics and functionality of the mouth and jaw. Depending on the extent of the damage and the materials used, these reconstructions can get pricey.

Physical therapy

Following a diagnosed injury and treatment, a doctor may prescribe physical therapy. Depending on the severity of the injury and the frequency of treatments, this may last several weeks, months, or years. Sometimes the plan of treatment can change during the process, so it will help to remain flexible in estimating the related costs. Auxiliary items, like a special chair cushion or balance ball, may also be recommended for purchase during therapy, along with prescription shoes or support items.


An injury can be short-term or long-term, and it can be temporary or permanent. Sometimes medication may be required for a few days to a few months. In other cases, it may be needed indefinitely. In addition, medical devices like a wheelchair, stair lift, or crutches may be required temporarily or permanently, for example, to assist a patient who is waiting for surgery on a hip or back injury. The cost of medication for any particular condition is difficult to estimate; prices vary depending on insurance coverage, the cost of the drug, market forces, and many other factors. One thing is for sure ,however; medications and medical devices can get very pricey very quickly.

Health care insurance plays a vital role in anyone’s budget. Although we don’t plan to have accidents that result in injuries, the fact is that they sometimes happen. Being aware and prepared will help to control costs.If you have suffered an injury for which another party might be liable, talk to Moynahan Law Firm about your options. You may be able to seek justice and fair compensation for your medical expenses.