We work with medical providers and plaintiffs to ensure necessary treatment isn't delayed. Funded against expected case settlement, paid back from the recovery.
Medical funding solves a specific injury-plaintiff problem: you need treatment now, but your health insurance won't cover it (or you don't have insurance), and paying out-of-pocket isn't realistic. In Ohio, this shows up most commonly with imaging (MRI, CT), specialist consults, physical therapy, pain management, and elective surgery on soft-tissue and orthopedic injuries. Medical funding via Letter of Protection (LOP) or direct provider funding lets you get the care your case needs — and needs to document — without cash upfront.
Two structures. (1) Letter of Protection: your attorney sends a signed LOP to the provider, and the bill is deferred until settlement. Instabridge underwrites the LOP's payoff and can advance to the provider directly if that helps them agree to treat. (2) Direct medical funding: Instabridge pays the provider now, and the lien is included in your final case settlement. Which structure works best depends on the provider's practices and case posture.
An LOP is a written promise from your attorney to a medical provider stating that the provider's bill will be paid from your future settlement proceeds. It lets you get treatment without paying upfront. Ohio providers vary widely in their willingness to accept LOPs — some accept freely, some require an existing relationship with the attorney, some won't accept them at all. That's where Instabridge can help bridge.
The medical liens are part of your total case damages — properly documented treatment strengthens the case. What matters is that treatment is medically necessary, causally connected to the injury, and consistent. Overtreatment for the sake of case value is a defense-attorney gift; we underwrite (and advise providers) accordingly.
Depends on the structure. LOPs are generally non-recourse to the plaintiff — if the case doesn't cover the bill, negotiation with the provider is the norm. Direct medical funding with a signed lien can have different terms. We're always transparent about the structure before you or your attorney sign.
Yes. It's common: pre-settlement funding for living expenses, medical funding for treatment. We coordinate the two so the total exposure stays within a responsible cap on your projected recovery.
Depends on which comes first. If your health insurance is covering treatment, medical funding isn't usually needed. If your insurance denies specific treatment (common with pain management, chiropractic beyond insurer limits, or elective procedures on injuries in litigation), medical funding fills the gap. Your attorney should be involved in the decision.