FOR INJURED PARTIES

Who is Key Health and how can it help me?

Key Health is a medical lien funding company that assists injured parties by improving access to quality medical treatment for injuries resulting from an accident. If you do not have health insurance coverage but require medical services related to your accident, Key Health can help facilitate payment for requested services on a lien basis.

What is a Lien/Letter of Protection?

For those with limited or no health insurance who have been involved in an accident resulting in a personal injury lawsuit and requires medical care, medical providers use a Lien/Letter of Protection system. A Lien/Letter of Protection is a document signed by an injured patient and/or his or her attorney that assures the medical provider that payment will be made from a settlement of the lawsuit.

How does the program work?

Your treating physician or attorney will submit a request for funding through our Lien Solutions Program. When approved through the program, Key Health will agree to purchase the account from the provider.  This relieves you of the immediate financial obligation related to this medical service.  Key Health then works directly with your attorney to be paid for these services when your case settles.

Who do I contact once my case has been authorized by Key Health?

You can call Key Health at (877) 633-5436 about any questions you may have regarding any pending procedures or to utilize the Lien Solutions Program for any further care prescribed by your doctor. Your treating physicians can answer any medical-related questions about your treatment and your attorney can answer any legal questions regarding your case.  Key Health does not determine medical or legal decisions.

Are there any co-pays or deposits at the time the medical services are rendered?

When a request is approved through the Lien Solutions Program, there are no co-pays, upfront deposits or recurring monthly interest charges.

Is there a limit to the type or amount of medical treatment that Key Health will fund?

Your treating physician determines the type and scope of medical services that are appropriate.  Key Health evaluates whether it will purchase the account for the requested services based on the anticipated cost and will coordinate these requests with your attorney.  There may be limitations on the total amount funded by Key Health.  The ultimate amount of funding provided by Key Health is determined primarily based on the specifics of your case. 

Are there monthly interest charges on services funded by Key Health?

Key Health does not assess recurring monthly interest or patient pre-payment deposits.

Can Key Health fund any of the outstanding medical bills I have already incurred?

If medical providers have already treated you with respect to injuries sustained in your accident, Key Health may be able to assist you through contacting these providers and explaining our Lien Solutions Program.  Please contact us if you have bills from a surgeon, hospital, radiology/imaging center or physical therapy provider that you would like considered for funding.

Who is ultimately responsible for payment should my case not settle?

Ultimately, you are responsible for the medical bills regardless of the outcome of your case or the financial settlement.

What is the Lien Solutions Program?

Key Health assists injured patients who require medical care but are challenged by their lack of health insurance coverage or their inability to pay co-pays or deductibles.  Our Lien Solutions Program allows medical providers to treat these patients without the concern and risks that traditionally accompany attorney liens/letters of protection.  Instead, Key Health may purchase the account at a competitive rate.

Key Health's Lien Solutions Program is utilized by two types of providers:

Providers Who Accept or Have Existing Lien / Letter of Protection Cases:        

Providers who have treated injured patients on a lien/letter of protection basis and would like to improve the cash-flow of their practice. 

Providers Who Do Not Have or Accept Lien/Letter of Protection Cases: 

Providers who have not accepted these patients in the past but who are interested in the Lien Solutions Program as an opportunity to enhance their practice through increased volumes, revenue and cash flow. 

Does Key Health require any cash deposits or charge monthly interest fees?
No, Key Health never requires any deposits or upfront out-of-pocket expenses.  We never charge recurring monthly interest.

Will Key Health accept a discount at time of settlement?
Key Health understands that long-term relationships are built by maintaining a flexible approach. This sometimes includes participating in the settlement reduction process when necessary. In fact, most of our attorney clients are repeat customers who appreciate our professionalism and, when necessary, our flexibility.

How long does it take to receive approval for funding medical services?

The approval time can be immediate to a few days depending on how quickly Key Health receives patient case information.

Why should I choose Key Health?

Key Health has processed over 500,000 medical service cases over the past twelve years.  Key Health is a solid business with a solid reputation. No other company has comparable institutional knowledge for funding and administrating complex medical-legal cases.  This expertise yields a superior ability to optimize pricing and case processing. Key Health also has local staff in most major metropolitan areas to assist you or to answer questions.

What types of services  are offered through Key Health for patients without health insurance?

Key Health is contracted with  a wide array of medical providers including pain management doctors, orthopedic surgeons, neurosurgeons and other physician specialists in your community.  These doctors, previously hesitant to accept personal injury patients, now accept these patients through their relationship with Key Health!

Purchase of accounts for medical services available on a Lien /Letter of Protection basis through Key Health's Lien Solutions Program include:

     • MRI/CT                                 • EMG/NCV                    
     • PAIN MANAGEMENT             • INPATIENT/OUTPATIENT SURGERY
     • PHYSICAL THERAPY             • SURGICAL IMPLANT DEVICES
     • CONSULTATIONS