Auto Accident
Auto Accident Office Policy
If you have been involved in a car accident there is a high likelihood that you will benefit from regular chiropractic care soon after your trauma. Most patients are faced with the question of how to pay for medical care after a car accident. Our office policy and recommendation is as follows:
1. Medical Payments Coverage on your Auto Insurance
Often called “med-pay” for short, Medical Payments Coverage is a type of insurance which provides at least $5,000 coverage for the insured driver and passengers to pay for injuries sustained in a car accident, regardless of who is at fault. Although the coverage is mandatory, there is a provision for consumers who do not want med-pay coverage to opt-out in writing.
If you have Med Pay, our office policy is to submit your bills and treatment notes to your insurance company if you are making a claim. If the other party has taken responsibility we will still send all claims to your insurance company and they can recover costs independently.
Source: Colorado Department of Regulatory Agencies. http://www.dora.state.co.us/insurance/consumer/Med-Pay%202009.html
2. No Medical Payments Coverage on your Auto Insurance
If you don’t have Medical Payments Coverage or have opted-out your other options are as follows:
a. Health Insurance: We are happy to verify your health insurance to determine if you have coverage in our office. We are an out-of-network provider which means you may have a deductible to meet before your benefits begin. Once your insurance has been verified we will handle all billing and collections from your health insurance carrier.
b. Pay at the Time-Of-Service: Many patients chose to benefit from our time-of-service discount by paying for treatment as they go. Our office will not bill your claims to any insurance company and you will be responsible for payment. However, you are eligible to send in receipts and possible be reimbursed from the At-Fault Auto Insurance company if they deem your treatment ‘medically necessary’
c. Lien: A Lien is a loan provided by the health care provider, in this case by our office. A Lien is offered when a patient is unable to afford the necessary treatment after an auto accident. In this case the health care provider will not be reimbursed until after the case settles. Because there is risk involved with offering a Lien, our office policy is to require that an attorney handle your case and work with our office. Below are a few attorneys we recommend:
Keith Fucelli (Fucelli & Lee, PC)
1120 Lincoln St., Suite 1105
Denver, CO 80203
Phone: (303) 872-0941
FAX (303) 355-7208
Keith@fuicellilee.com
Website
Balaban Claeson & Budisidharta LLP
600 S. Cherry St., Suite 1130
Denver, CO 80246
Phone: (303) 377-3474
FAX (303) 377-3576
info@DenverFirm.com
Denver Firm Website
The Law Office of Mark A. Gould, P.C.
1665 Grant Street, First Floor
Denver, CO 80203
Phone: (303) 832-2393
www.markgouldlaw.com
Please contact our office (303) 744-7100 with any further questions or if you need help determining which of the above payment methods will be best for you.
Please Note:
If you do not have Med Pay on your auto insurance or we have not verified it prior to your first appointment, all payments for your first visit will be due at the time of service