Lien-Based Billing: How You Get Care With $0 Upfront
May 16, 2026
Lien-based treatment lets accident victims see top providers without insurance or out-of-pocket costs. Here is how it works.
# Lien-Based Billing Explained
A medical lien is an agreement where your provider treats you now and gets paid from your settlement later.
## How it works
1. You sign a Letter of Protection with your attorney.
2. The provider treats you on lien.
3. At settlement, the bill is paid from proceeds.
## Why it matters
No insurance? No problem. No deductibles, copays, or upfront fees.
Chicago Accident Network coordinates the paperwork between you, your attorney, and your provider.