In yesterday’s post, we discussed some of the practices that chiropractors have used on innocent victims of car crashes. When an injured plaintiff has valid health insurance coverage, they do not expect the chiropractic office to grab settlement proceeds after failing to bill the health insurer. So, what can you, as a patient, do to take control of this situation and ensure that you get billed as you wish?
* To the extent possible, do some research before you head to the chiropractor’s office. Know what your payment options are under your health insurance and under your auto insurance.
* YOU make the decision about which insurance you would like to use and communicate this decision during your first visit at the chiropractor’s office.
* Read carefully any forms that you have to fill out at the chiropractor’s office and fill them out based on the decisions you have made beforehand.
* Carefully track—and save—any records, forms, letters, notices, or other documentation that you receive from insurance companies and your chiropractor’s office.
* Take a proactive stance when dealing with your insurance claims. Don’t wait for the chiropractor or your insurance company to just take care of things for you, because they may not know what is in your best interest.
Dealing with expenses from auto accident injuries can be a frustrating experience that is made more difficult by the emotional and physical pain from a spinal cord injury or herniated disc that you might be experiencing at the same time. But, simply being aware of your options and keeping track of the process can prevent further headaches down the road. Ask up front if the Chiropractor takes your insurance and make sure the office actually bills the insurance company to whom you, your family and/or your employer has paid premiums. It may prevent worse headaches and pain at the end of your automobile crash injury case.