We accept many types of insurance.
Personal Injury Protection
The "PIP" portion of the coverage covers accidents that occur while driving or riding in an insured car. Some PIP plans have a deductible that must be met; many do not. If you report the injury within 12 months of the accident, "PIP" should cover you. Some people have accidents and think they are fine, only to discover later that they are now stiff and sore. Some have even gone to the Emergency room of a hospital to be told they are "fine", when an evaluation by a qualified physical medicine specialist, would have revealed otherwise. Be sure the doctor who checks you is trained to diagnose soft tissue injuries and subluxations resulting from auto accidents.
There are often limits to PIP coverage and these can vary. PIP benefits are available to all parties in the car at the time you have an accident. If you reported an injury and opened a claim, don't sign anything saying you are ready to "settle" until you have been checked by a qualified Physical Medicine doctor who will verify that your injuries will heal with no reoccuring problems in the future. If you are hit by a driver who is found to be at fault; Your PIP will pay your treatment. Then when your treatment is complete, your insurance will cover the money from the insurance carrier of the driver that you hit. If your injuries are extensive and PIP does not cover the full extent of the doctor bill, you can have an attorney file a claim for "Bodily Injury" which should be covered by the insurance of the driver at fault. The coverage for bodily injury is usally more generous than the PIP plan allowances, which you can also use.
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Personal Injury Lien
If you have no PIP on your car, or the PIP portion is exhausted, and you were injured by a party found at fault, you can have an attorney represent you to make sure the other party's "Bodily Injury" pays you for your treatment and care. Your doctor must agree to accept a signed lien from your attorney. If agreed; the doctor is paid when the care is completed, and the case is settled. Since all care is delivered prior to any payment., a signed lien and agreement between patient, attorneys and doctor is a must. The claim won't settle, and the insurance company will not issue payment, without a final written narrative report by the treating doctor releasing the patient from care.
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Workman's Comp
If you are injured at work your employer; by law, must carry Workman's Comp to cover such accidents in the workplace. Any accidents or injury at work must be reported in writing to the employer.
If your claim has been closed and you never agreed that your injury was corrected, you might be able to re-open the claim. If attorneys or the court closed your claim, you will not likely be able to reopen the claim. If you open the claim, and stopped treatment prior to the injury being corrected or stabilized, you can usually resume care with a new doctor if you wish.
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Medicare
This program has been subsidized by the Federal government and has very strict regulations. Mostly utilized by senior citizens over age 65, there are some exceptions. Part A covers hospitalization. Part B covers outpatient visit in the doctor's offices. There is a $150 annual deductible, and the Medicare will cover both In-Network and Out-Of-Network doctors. Medicare requires a co-payment of 20% of the allowable fee unless there is a secondary insurance company, which will pick up and pay this co-payment.
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PPO Plans
This stands for Preferred Provider Organization. It allows you to be cared for by In-Network and Out-Of-Network doctors. Our clinic is considered In-Network by most PPO plans. The deductible amounts vary per plan, and the copay percentages also vary. Our insurance department, as a courtesy service, will take your insurance information and verify your coverage for you to see what benefits you will have available for the services you'll receive in our office.
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Cash
For uninsured patients, or those with HMO plans, we have cash plans and discount packages to make our care affordable for people with no insurance who want and need our care. We have finance packages available for those patients who want care and need affordable monthly payments that fit their personal budgets.
We recognize that most insurance plans pay for only crisis care or symptom relief care. Many patients find their to our office after suffering and receiving failed care in HMO environments. They understand that our doctors are not interested in treating their symptoms with drugs, but that we are experts at treating the root cause of their problem. Often they are happy to finally find an environment that will give them some certainty that their symptoms can be corrected by addressing the underlying cause of their problem.
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Better Health Medical Center / (301)363-4407 / 5268 S Nicholson Lane Rockville, MD 20895