Medical expenses are often the biggest financial burden for plaintiffs in personal injury cases. Hospital stays, surgeries, therapy, and prescriptions can add up quickly—especially when insurance coverage is limited or delayed. Many victims also face medical liens, where providers agree to treat patients upfront in exchange for repayment from a future settlement.

When bills and liens pile up, plaintiffs often ask: Can I use pre-settlement funding to pay these costs? The answer is yes. Pre-settlement funding can be used to cover both outstanding medical bills and medical liens, giving plaintiffs the financial stability they need while waiting for their case to resolve.

Understanding Medical Liens

A medical lien is a legal claim placed by healthcare providers to ensure they are repaid once your settlement arrives. While liens make treatment possible without upfront payment, they also reduce the amount plaintiffs take home once the case is resolved.

If unpaid bills remain while the case drags on, plaintiffs may face:

• Debt collection calls

• Damaged credit scores

• Interrupted or delayed medical care

How Pre-Settlement Funding Helps

Pre-settlement funding is a non-recourse cash advance against your expected settlement. That means:

• You can use funds to pay outstanding medical bills immediately

• You can settle liens earlier, reducing stress and debt pressure

• You only repay the advance if your case wins or settles

• If you lose your case, you owe nothing

This flexibility allows plaintiffs to maintain consistent medical treatment—critical for both recovery and the strength of their legal case.

Benefits of Using Funding for Medical Bills and Liens

• Continuity of Care: Ensure medical treatment is never delayed due to lack of funds.

• Financial Relief: Prevent collections, late fees, and credit damage.

• Negotiation Leverage: Staying financially stable allows you to reject lowball settlement offers.

• Peace of Mind: Reduce stress by keeping healthcare providers satisfied and bills up to date.

Things to Consider

• Borrow Responsibly: Only take the funding you need to cover bills, so you keep more of your final settlement.

• Attorney Collaboration: Your lawyer will help coordinate repayment of both liens and the advance from your settlement.

• Transparency Matters: Work with a provider that offers clear, fair terms without hidden fees.

Why Instabridge Is the Right Choice

At Instabridge, we make it simple for plaintiffs to use funding for medical bills and liens:

• Fast approvals and disbursement—funds often within 24–48 hours

• Non-recourse structure—no repayment if your case is unsuccessful

• Transparent agreements—no hidden costs or compounding interest

• Attorney partnership—we coordinate directly with your lawyer to streamline repayment

Conclusion: Cover Your Medical Costs Without Sacrificing Your Case

Medical bills shouldn’t force you into debt or pressure you into settling early. With pre-settlement funding from Instabridge, you can cover medical expenses and liens while giving your attorney the time to secure the best possible settlement.

If you’re struggling with medical bills during your lawsuit, contact Instabridge today to learn how we can help you bridge the gap.