Many times, car accidents appear minor. Even very minor ‘fender benders’ can result in significant injuries to your muscles, ligaments and joints. Common symptoms like headaches, neck pain, jaw pain and fatigue should be evaluated. We recommend a musculoskeletal evaluation within the first 3 weeks following an accident. We can make sure you get an accurate diagnosis and start treatment immediately. A swift response to minor injuries after a car accident can prevent them from becoming much worse.
What to Know if you have been in a Car Accident
Chiropractic and massage care can be an important part of your healing from car accident injuries. Injuries can very serious or fairly mild. If you believe that your injuries are serious we recommend seeking a medical evaluation at the Emergency Room. Our office is the next best place to start if you are wondering how to handle your car accident injuries. Our doctors are experts in soft tissue injuries like whiplash. We can order x-rays, MRIs and any other diagnostic tests you might need. We can also set up a very effective treatment plan and help you manage chiropractic, massage, physical therapy or any other adjunct treatment you might need. Call or email our office to set up a consultation today: 720-440-3979.
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 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 possibly be reimbursed by 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.
If you have further questions, please feel free to contact our office and have then help answer questions that you may still have at 720-440-3979.