Auto & Work Related Injuries also known as Personal Injury Protection (PIP) covers medical expenses when an injury arises out of the maintenance or use of a motor vehicle. Medical expenses are reasonable charges for necessary medical treatment and rehabilitative services. This coverage takes precedence over your health insurance and is a mandatory coverage on your automobile policy.
Personal injury protection is the term used to describe benefits in states, including Pennsylvania, that have mandatory no-fault auto insurance coverage. People involved in auto accidents in Pennsylvania, regardless of who is at fault, are eligible to receive natural health care services including chiropractic and massage therapy, as well as other health services related to the injuries occurred during the accident.
Can I go to any medical provider?
Yes, provided that the individual medical provider is licensed in the state where the treatment is being rendered and the treatment is performed within the provider's specialty. Doctors of Chiropractic qualify for coverage under PIP. A certified massage therapist will also qualify if he or she is supervised by a medical doctor or a chiropractor.
Will PIP coverage pay the entire bill?
The amount paid to providers is calculated under the Pennsylvania Motor Vehicle Financial Responsibility Law. Once the provider accepts this payment, the provider may not bill the patient or the insurance company for any amount not paid. This, of course, is limited to the amount of PIP coverage you have. Pennsylvania law provides for a minimum $5,000.00 in PIP coverage, but you can opt for a higher amount when you get your insurance.
Chiropractic Therapies & Personal Injury
Chiropractic care is covered under your person injury protection benefits. Many find chiropractic as well as other rehabilitative therapies including massage therapy, and N.E.T. performed at Ambler Chiropractic Center to be helpful to their recovery because it speeds healing associated with an accidental injury.
Utilizing your personal injury protection benefits
As your holistic wellness partner, chiropractor, Dr. Michael A. Coppola, can supply you with necessary products to support your comfort and speed of recovery. Products include supportive pillows, back support belts, pain relief ointments, homeopathic remedies, natural supplements.
To reduce the chances of long-term health problems and to get the care you need to speed your healing, contact Ambler Chiropractic Center to schedule an appointment as soon as possible following your accident.
Studies indicate that chiropractic therapies are one of the most effective therapies in reducing your soft tissue pain while restoring strength, integrity and functionality. Dr. Coppola uses gentle chiropractic adjustments and other manual techniques to relieve pain and improve range of motion for your affected joints.
The combination of massage therapy and Chiropractic care following an accident can have many long term health benefits.
Working with Insurance
Ambler Chiropractic Center works with many types of insurance. Our office can counsel you on how to file a personal injury claim, choose legal guidance or receive additional testing such as an EMG, MRI and X-ray.