Doctors who will do third part billing means that they are willing to wait to get or they are willing to get paid directly from the insurance company in the form of a lawsuit, or getting a check cut directly to them from the insurance company. There are plenty of Doctors who do third party billing in auto accidents. However, the problem is finding them or knowing who will do it.
Generally Primary care doctors do not do third party billing, but that’s not always the case. You would have to call your PC to see if they accept auto insurance or do third party billing. Many doctors don’t like the hassle of dealing with an insurance company. If you reside in a pip state, it may be easier to find doctors who do third party billing.
Third party billing Doctors
Third party billing is when the doctor either waits to get paid through a lawsuit or deals with the insurance company to try and get the bill resolved. In a lawsuit the attorney gets the settlement. However, the doctor gets paid out of the settlement. When the doctor deals with the automobile insurance company directly, he or she submits bills to the insurance company for reimbursement.
It is common for a doctor to deal directly with the insurance company if you have pip or med pay. The doctor will not deal with the insurance company at all, he will deal with the attorney. In most cases that the doctor deals with the attorney he will file a medical lien. A medical lien protects the doctor. He will get his bill paid directly out of the proceeds of any settlement that is achieved by the personal injury attorney.
Third party billing doctors may not be medical doctors
Doctors who will bill third party in most cases are not medical doctors, they are chiropractors. Chiropractic care after an auto accident is one of the most common forms of treatment available and the majority of injured patients in the united states see a chiropractor after a car wreck. Chiropractors cannot write prescriptions, so many people attribute this to them not being a real doctor.
If your definition of a doctor is someone who writes prescriptions we need to reevaluate your dictionary. Chiropractic care is safe and effective for treating automobile injuries. Furthermore, they treat a majority of auto accident injuries in the united states.
In most cases, to be qualified for third party medical care
- You were injured
- Were not at-fault for the accident
- A passenger in someone else’s car. ( if the driver of the vehicle you were riding in was at-fault and you are related, this may cause an issue in some states)
- You were driving a work vehicle that was involved in an accident
Personal injury protection and Med Pay
Pip or med pay really does not fall into the category of third party billing. Because, you are using your own insurance to see a doctor. That would really be considered first party. If you live in a pip state or have med pay, you or the doctor would deal directly with your own insurance company. Many people still assume that this is third party because it is not health insurance, but it falls into the category of doctors who would take auto insurance for payment.
Finding a Pip doctor or a med pay doctor could be challenging as well. You need to find a doctor that accepts this type of insurance. And, if we don’t have one listed in your area, contact us and we will try and find you one. We help thousands of auto accident patients every year find doctors that will do third party billing. Don’t put off your medical care because you can not find a doctor