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.
Back To Top
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.
Back To Top
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.
Back To Top
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.
Back To Top
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.
Back To Top
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.
Back To Top
Health Source of Rockville / (301)231-5055 / 5268 S Nicholson Lane Rockville, MD
20895