My Health Insurer Doesn’t Pay Chiropractic, What do I do?

chiroIf you’ve been injured an an automobile accident, and require chiropractic treatment, you may find that your health insurer offers limited or no coverage for chiropractic care. However, this does not mean that you cannot get the care that you need. In Massachusetts, Personal Injury Protection (PIP) benefits are available through your car insurer to pay for chiropractic visits, copayments, and other medical expenses that your health insurer may not cover.

At KPDM Law LLC, we work with your health providers to make sure that your medical bills are properly addressed, and that you can get the care that you need. If you’ve been injured in an automobile accident, contact us at 617-804-5736 for a free consultation.

When Purchasing Auto Insurance, Avoid the Personal Injury Protection (PIP) Deductible

auto-insuranceIn Massachusetts, drivers are required to carry Personal Injury Protection (PIP) benefits, which pay for, among other things, medical bills relating to an automobile accident. Recently, insurers have found a way around this requirement by allowing their customers to opt for a PIP deductible. While it may seem like a good thing to lower your insurance bill, it could be a costly mistake.

What most consumers do not know is that if you have private health insurance in Massachusetts, that insurer will not pay for medical bills relating to an automobile accident until PIP coverage has been exhausted. If a consumer signs up for a PIP deductible, that means the consumer is on the hook for the first $2,000 or more of medical bills before their insurer even starts to pay any medical bills. Do not make this costly mistake.

You might think that insurers who offer PIP deductibles should better explain this situation in Massachusetts so that consumer understand the coverages they are getting, and those they are not. You might be right, as one insurer recently settled an $8 million class-action lawsuit alleging that the insurer improperly advised consumers regarding PIP coverage.

If you have been injured in an automobile accident, and you have a PIP deductible on your policy, there are ways to address the problem. Contact KPDM Law, LLC and let us help you.

In an car accident in Massachusetts, who pays my medical bills?

sturbridge-crash-051814-jpgIn Massachusetts, the question of who pays for your medical bills if you’re involved in an automobile accident is not as straightforward as it might seem. If you have health insurance, you may assume that your health insurer will take care of your bills. However, this is not completely correct.

In Massachusetts, all motorists are required to carry Personal Injury Protection (PIP) coverage, which provides $8,000 of coverage for medical bills, copayments, and lost wages. If you have private health insurance, your health insurer will not pay any of your bills until PIP has paid the first $2,000 worth of medical bills. The rules are different if you are on Medicare or MassHealth, as these insurers require that PIP pay the full $8,000 in benefits before they pay any medical bills.

This interplay between PIP and health insurers can lead to all sorts of problems, as health care providers will often try to bill the wrong insurer. This scenario often leads to your health insurer or car insurer denying coverage, and collection notices being sent to you, the patient. Therefore, even if you are reluctant to file a claim for your injuries, it makes a lot of sense to hire a lawyer to sort through the insurance issues. You may even get a check for pain and suffering for your trouble.

If you’ve been injured an an automobile accident in Massachusetts, please contact KPDM Law, LLC toay at 617-804-5736.