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Monday, August 22, 2016

Is there such thing as a Florida PIP No-Fault Insurance Provider?

What is a Florida PIP No-Fault Insurance Provider?

Miramar Chiropractor Accident Doctor

Can a doctor be a provider of PIP No Fault Insurance?  I know there are Blue Cross Blue Shield providers, and Aetna, and Humana, for example. But what about PIP?  I say, yes.

We are a Florida No Fault PIP Provider.  I say this as IF it requires a special designation or certification to see car accident patients and communicate with PIP carriers for reimbursement.  Well, of course it turns out that it does NOT take any special certification to this.  So, why do I call myself a Florida PIP No-Fault Provider?  It is because over the years I have met many doctors, yes, chiropractors as well, who do not handle these types of patients.  When asked why, do you know what the number one reason was?  It is that they don't know how to do it, and they never get paid.  This usually results in the doctor chasing the patient around for payment.  It means sending several bills to a patient and then collections, and it usually ends up a total waste of time.  The doctor's office loses, and of course, the patient loses as well.

I have actually gotten several patients over the last 20 years because when they went to their regular doctor, they were told, "Sorry, we don't take accident patients."  That's when they were referred to me for care, and I handled not only the communication and payment from the proper insurance carrier, but also handled the intricate documentation and proper referrals that are often times needed throughout the period of care of the patient.  This is not to mention the writing of a very detailed report which outlines the details of the accident, the injuries, the diagnosis, prognosis, future costs of health care, possible loss of work which will cost the patient income in the future.

Knowing what I know, and what I have seen over the years, I would encourage anyone who has been injured in a car accident to make sure they go to a provider who is experienced and knowledgeable on dealing with PIP.  It is entirely different than HMO or PPO or medicare rules.  PIP billing, in a sense, is a specialty.  It is not well taught in billing and coding schools, and you would not expect an average insurance biller or doctor, to know how to handle it.

I have been dealing with nothing but PIP for 20 years now.  I am very experienced in the rules and correct procedures that are often changed by the Florida Legislature almost once a year.

If you have been in an accident, please call me first.  I will explain everything to you so you will be up to speed on the topic, and you don't make any mistakes which could cost you a lot of money down the road.

Dr. Alan Himmel, DC, PA.