There are several ways to handle your bills up front: 1. Check your automobile insurance policy to see if you have medical payments coverage – "Med Pay" for short. If you do, your insurance company will cover your bills as you treat with the doctors up to the limits of your insurance policy. 2. You may also submit your bills to your health insurance company if you have one. 3. Unfortunately, few medical doctors will see you without up front payment. However, some medical doctors and most chiropractors will accept a "lien" – this is your written promise to pay the doctor out of any settlement money.