$100,000 can turn into $45,000 to $60,000 fast once the cuts start. So yes, a Spartanburg injury claim can still be worth it - but only if the liability is strong, the injuries are serious, and you know who gets paid before you do.

Here is the raw truth: Medicare, South Carolina Medicaid, some private health plans, unpaid medical providers, case costs, and attorney fees can all come out before you see your share. If this was a Memorial Day or July 4th wreck on I-85, I-26, or US 29 with a drunk or reckless driver, the claim may still be worth pursuing because the value can be high. If it is a low-impact crash with modest treatment, the lien pile can eat the case alive.

To figure that out, you need proof on paper, not guesses:

• Medicare documents: your Conditional Payment Letter and final demand amount under the Medicare Secondary Payer process.
• Medicaid records: a payment ledger or lien claim from South Carolina Department of Health and Human Services for Healthy Connections Medicaid benefits tied to the crash.
• Health insurance plan documents: the full policy or Summary Plan Description to see if the plan has real reimbursement rights or is just bluffing.
• Hospital paperwork: all itemized bills, account statements, and any lien notice or collection notice tied to Spartanburg Regional or other providers.
• Settlement proof: the proposed settlement amount, fee contract, and case expenses, because some lien holders reduce their cut based on procurement costs.
• Injury proof: EMS report, ER records, imaging, therapy notes, prescriptions, and proof you lost independence at home.

Without those documents, nobody can honestly tell you what your net is. The settlement number is meaningless. Your net recovery is the only number that matters.