#7 Are there limits with my patient’s PIP coverage as to the type and number of Medical Providers my patients can see?
QUESTION: Are there limits with my patient’s PIP coverage as to the type and number of Medical Providers my patients can see?
ANSWER: When your patient has been injured in a car accident, they have advantages when using the PIP policy benefits they don’t generally receive with their regular health insurance coverage. There are no designated medical provider networks and they’re allowed to see the healthcare professional of their choice. They don’t need a referral to see a specialist and they’re permitted to see the type of medical provider they want to see. They may also see multiple different types of healthcare professionals to help in the recovery of their injuries from their accident.
The great news about PIP is that it actually has advantages over health insurance policies. Many health insurance policies require your patient to see providers inside their MCO. Or if they’re Kaiser, generally speaking, they can only see the providers within the Kaiser system.
Oftentimes, health insurance requires there be a referral from their primary provider. That is simply not the case with PIP. Your patient can see whatever licensed medical provider they want- part of the problem is your patients often don’t know this.
PIP is essentially a health insurance policy with very few limitations or hoops they experience with health insurance.
We’re here to be a bridge of support for you and your patients.
We have developed a robust library of information for your patients who have been injured in an accident, which can be found in the INJURED? START HERE portal on our website.
There are 40 topic-focused articles, with accompanying videos, organized into the four categories that include the personal injury claim-related questions we’re asked most often, which include:
- Top 10 Personal Injury Claim Mistakes to Avoid
- What You Need to Know About Your Claim
- How Are My Medical Bills & Wage Loss Paid
- How to Prepare for Your Independent Medical Exam
Each article provides advice and guidelines to help your patients navigate each phase of the personal injury claims process. Whether we represent your patient or not, we are passionate about them knowing how to protect their rights, get the medical care they need, and avoid the mistakes that can harm their personal injury claim.
Each article provides advice and guidelines to help your patients navigate each phase of the personal injury claims process. Whether we represent your patient or not, we are passionate about them knowing how to protect their rights, get the medical care they need, and avoid the mistakes that can harm their personal injury claim.
Additionally, if it would be helpful to have the information we feature on our website available in your office to pass along to your patients, we’ve developed brochures for each of the four article series -- in both English and Spanish that we’re happy to send to your office. Please complete the form below and we’ll get them out to you promptly.
