re: will my health inurance cover my accident?

Your health insurer has the right to sue your neighbor and his/her home owner's insurer under its subrogation rights. If you refuse to cooperate with them doing so, they can deny your claims.

They can deny payment of bills if you don't fill it out. They may pay anyway but who knows. Just making sure no one else is responsible for paying.

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so.......I don't have to fill out that form, right?

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You most likely do. Your policy probably requires you to cooperate with any efforts they make to recover what they paid from liable third parties. Whether or not your neighbors would be liable would depend on what caused you to fall.

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Did you ever receive an "Explanation of Benefits" form from your insurer showing what they paid?

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no. they haven't paid anything yet

If asked I would tell them it happened at your own house.

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I haven't yet received a bill from the hospital yet. it's been about 7 months now. guess i'll just wait to receive said bill.

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That bill was likely ready months ago, you should call the hospital, make sure they sent it out and you're not in collections or something like that, that's fairly common to have mishaps like that in hospital billing.

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Your health insurer has the right to sue your neighbor and his/her home owner's insurer under its subrogation rights. If you refuse to cooperate with them doing so, they can deny your claims

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This is correct. Your medical insurance will pay, but they may go after your neighbor's homeowners insurance to subrogate what they paid the hospital.

The bottom line is an accident happened on your neighbor's property and this accident may be covered under their homeowner's policy. Your medical insurance company may make their insurance company pay for this accident. The form you received is a standard form one gets when a medical claim is made from the result of an accident.

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The bottom line is an accident happened on your neighbor's property and this accident may be covered under their homeowner's policy

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how will the neighbors be affected by this?

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I suppose i'll just wait until I receive a bill from the hospital.

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Don't wait, it's not normal to go 7 months without a bill, you need to call the hospital and ask where's the bill.

Like I said, you could very well be in collections right now and don't know it. I've worked in Billing for a hospital, seen it a million times where 1 year later someone is angry cause they didn't know they were in collections because they never received a bill.

Be proactive about this one.

May have been said, but I only read the OP.

Your neighbors HO policy has Med Pay for anyone who gets injured at their home, without being negligent themselves. Meaning it'll cover someone if they trio over themselves and get hurt. Usually $1k-$5k, then your health coverage should kick in.

And for God sakes, filing a claim is NOT suing them.

ETA Its separate from liability coverage, so your neighbors are liable for anything you did to yourself, but have the Med Pay coverage just in case.