First and foremost, we need to make sure there are not any fractures and sprains or strains. Actually, fractures typically heal within six weeks and are better and stronger than before. Sprains and strains are harder to determine a time of resolution as it is sometimes difficult to know the exact degree of damage to the muscles and ligaments.
Hopefully you get checked out by a medical doctor or chiropractor as soon as possible. But now you are in pain and the claim has not settled. First thing to do is check to see if you have Med Pay on your insurance plan. We can call on your behalf to verify if this is part of your policy. If it is, you have a set amount of money that is there for the purpose of getting you better. Our office will submit all bills directly to the adjustor, and there should be no out-of-pocket expenses for you.
If you do not have Med Pay and your claim has not settled, payment is due at time of service. But we will work with your insurance company to make sure they have all medical bills submitted for your claim which will help with the settlement. While under care, it is so important to keep an open line of communication with your adjustor. Often times, the other party’s insurance adjustor will need information from you. Please check with your adjustor prior to signing anything from the other party. The insurance companies would like to settle the claim for the smallest amount of money and, one can feel pressured to settle. Discuss this with your doctor before settling, as the treatment plan may not be completed, and the remaining cost may not be calculated in your settlement amount.
Remember that all of your medical information is confidential. In order for an insurance company to obtain your medical bills and treatment notes, a medical records release form must be signed. We will assist you throughout this difficult and sometimes lengthy process. This can be an extremely stressful time, and we will do everything we can to make it as pain-free as possible.