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Who Pays for Pain?

Insurance coverage has never been simple, but these days it seems to be even more complex. Changes in health insurance laws may affect what you pay out of pocket and what’s covered. If you’re injured in an auto accident, you may be facing a pile of paperwork when what you really need to do is take care of yourself and heal.

In Massachusetts, most auto insurance includes personal injury protection (PIP coverage), which pays medical expenses when you’re hurt in an auto accident. But after you use up about $2,000 of benefits, you’re required to use your health insurance benefits for treatment, and you can quickly reach your cap.

That’s where MedPay can help. MedPay is an often-overlooked option that’s available on auto insurance policies in many states, including Massachusetts.  If you have MedPay, then PIP will cover more: up to $8,000 to $10,000 more, saving your health insurance benefits for other needs throughout the year.

If you don’t see MedPay (often listed as Medical Payments) on your policy, call your agent today and add it. For as little as $10 per year, you can get $10,000 to $25,000 in added coverage that can be used for a variety of medical needs—including chiropractic care.

A few weeks from now when roads are icy, you may have reason to be thankful you did.

Again, insurance is always changing and often confusing. Whatever you do, don’t let confusion or uncertainty about insurance keep you from getting appropriate chiropractic treatment when you need it. Neck and back injuries and whiplash injuries caused by car accidents can cause pain that lingers or flares up months or even years later.

Ask your insurance agent:

  • Do I have PIP coverage?
  • How much coverage do I have?
  • Does my policy include MedPay benefits?
  • Can I add MedPay to my policy?
  • Are there supplemental plans that are worth considering?
  • If my injury is severe and prevents me from returning to work, does my employer’s short- or long-term disability insurance cover chiropractic care? When does it kick in?

Take the time now to review all of your insurance policies—health insurance, auto, even dental and short- and long-term disability, if you have access through your job—so you know what is covered.  Knowing the treatment resources that are available to you can save time and money—and stress.

Get the help you need—from your insurance agent or from your chiropractor. At Healing Hands, we can work directly with your insurance company so you can focus on your recovery.

Contact Dr. Kelly Cao at Healing Hands for a consultation or appointment: call 508-752-5150 or contact us online.

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