One more thing. I looked back at your original post. It said you were hit by a car while riding your bike. First of all your health insurance in that case is supposed to pay your claim, although they may then seek compensation from the motorists insurance company that hit you. This has nothing to do with whether you have auto insurance. I know because I was hit by a car and the other insurance company did pay my medical expenses, the replacement cost of my bike, lost wages, and a whole lot more. My lawyer worked for me for a percentage of my winnings, so if more is at stake here you may consider this option as well (I didn't have to lay out a penny to pay the lawyer- his fees were simply deducted from my settlement check). I didn't mean to be insensitive in my last post, but you strike as someone perhaps who is young and doen't know her rights. If that is the case, please seek the help of an older family member that may be more experienced in these matters. From what you have told us, the motorists insurance company is responsible for any medical care that is required as a result of the accident. Sometimes big companies will try to walk all over young people. Its happening to my son now. He has been trying to settle a claim on his own but tomorrow my husband will call on his behalf cuz its clear they are trying to take advantage of his youth and inexperience. He tried to take care of it on his own, trying to assert his independence, but sometimes it takes old folks to yell and scream to make people do what they are supposed to. Perhaps that is what is happening to you so please seek help from someone. If there isn't a family member that can help maybe one of your professors at school would help (and yeh, I did this for a couple of my graduate students too). I know all students aren't young, but just maybe that is part of the problem.