2K PIP Exhaust Roadblocks

Ever since the Massachusetts Health Care Reform Law required residents  to purchase health insurance, inner city medical providers who treat patients injured in auto accidents have faced treacherous road blocks to their cash flow. This is because patients with health insurance who treat outside of their HMO network are only entitled to the first $2000 worth of Personal Injury Protection (PIP) on their automobile insurance policy. In years past, patients without health insurance were able to utilize the entire $8000 worth of PIP coverage to pay for medical treatment after an auto accident. As a result, chiropractors and physical therapists are left with very high balances with no prospect of obtaining payment from no fault auto insurance.

We don’t promise miracles, but we do have solutions that have helped our clients break through that 2K PIP exhaust barrier.

Most chiropractors and physical therapists I meet with complain about 2K PIP exhaust barriers more than anything else. Patient attorneys rarely go out of their way to offer payment from the bodily injury claim settlement. Some offices have a “lien” that is signed by the patient at the outset of treatment, but they rarely result in compelling the patient or his/her attorney addressing their unpaid balance.