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Category: car accident insurance

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The Insurance Process For Auto Accidents

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Who is your Insurance Company?

We work with most insurance companies to provide Chiropractic and Physical Therapy and Occupational Therapy care including, Geico Insurance, Progressive Insurance, State Farm Insurance, USAA Insurance and Esurance.

If you have another company just give us a call. We probably work with them also.

The insurance process for auto accidents can be complicated, which is why our team is trained to assist you all the way through it, detailing your benefits every step of the way. We make sure you get the proper tests and procedures as well as work with your MD to assure we’re all on the same page for your care.

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Don’t Like Your Chiropractor

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What If You Don’t Like Your Chiropractor.

Chiropractic care has many benefits.  A chiropractor can do more than just alleviate the pain and discomfort of a joint or muscle.  Chiropractic care can treat and manage allergies, arthritis, sleep difficulties, earaches, scoliosis, and more.  Essentially, if anything is causing you pain or stress, chiropractic care can help.  For that reason, you may be one of the millions of individuals who seek treatment.  But, what if you get a chiropractor you don’t like?

First, examine your reasons for not liking him or her.  Be sure you have a good reason.  As previously stated, chiropractic care has many benefits.  It is usually less intimidating than traditional medical care, but some still find it overwhelming.  Don’t let your fear of seeking treatment mistakenly translate into dislike for your care provider.  

As stated above, you should have a legitimate reason for not liking your chiropractor.  Two good examples include blame and not listening.  Do you need to constantly discuss your pain with your chiropractor?  Are they not listening to your explanation of trigger factors or answering your questions?  You shouldn’t have to constantly repeat yourself.  Yes, chiropractors do see many patients, but your medical history is recorded or at least it should be.

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As for blame, this is common with parents.  Has your child been suffering from lower back pain for years?  Poor posture or a heavy backpack may be to blame.  At first, you may have written off your child’s pain and discomfort as normal growing pains.  As the pains continued to get worse or increased in frequency, you may have visited a local chiropractor.  You thought you were doing good, but the chiropractor criticized you for waiting so long.  This should not happen.  In terms of chiropractic care, early is best, but better late than never.

So, what should you do if you truly do not like your chiropractor?

Voice your concerns.  A problem cannot be corrected if it isn’t first addressed.  Unfortunately, this can be difficult for some.  Most chiropractors run their own businesses, meaning they are the boss.  You have to voice your concerns directly to the individual who irritates you or makes you uncomfortable.  Do it.  Most chiropractors have great people skills, but not all do.  If yours unintentionally offended you, he or she will try to rectify the problem and prevent it from happening again.

Find a new chiropractor.  If you fear discussing your concerns with your chiropractor or do and do not see any changes, it may be time to find a new doctor.  If covered by health insurance, contact your insurance provider to get a list of chiropractic care centers in your area.  Research your options and read reviews online.  Ask those that you know for suggestions.  You will have to start again and redo all paperwork, undergo new evaluations, and decide on a new course of treatment, but you should get a new doctor that you feel more comfortable with.

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Now that you know what to do if you don’t like your chiropractor, what should you not do?

Don’t stop seeking care.  Not all chiropractors are the same.  One may blame you for not seeking care immediately, but most will not mention a word.  In fact, some will comment that it is better late than never.  Some chiropractors will remember every word you say and others will seem like they could care less.  Just because you may get “one bad apple,” don’t give up on this beneficial care.

Do not stop showing up for your appointments.  For continued care, appointments are scheduled in advance.  You may already have two or three appointments scheduled.  If you want to change providers, do it.  Cancel all appointments first.  If you don’t, you may be charged for them anyways.

In conclusion, not all chiropractors are the same. A healthy relationship with yours is important to successful treatment.  If you are dissatisfied with the treatment received, voice your concerns or find a new provider.  If at any point you feel in danger or harassed by your provider, contact the authorities or the American Chiropractic Association (ASA).

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The Benefits of Chiropractic Care

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Chiropractic Care is Increasing in Popularity.

You may have heard that chiropractic care has many benefits, especially when compared to traditional forms of healthcare.  Although chiropractic care is increasing in popularity and is being accepted as a valid form of healthcare, as opposed to just alternative medicine, you may wonder about the claims.  Are they true?  What are the benefits of seeing a chiropractor?

The pain stops.  Most patients experience a significant reduction, if not a complete elimination in pain after seeing a chiropractor.  It all depends on the individual in question, the source of their problem, and the treatment offered.  Those suffering from osteoarthritis are always susceptible to pain, as there is no cure.  With that said, therapeutic massages overtime can help relieve the pain.  Headaches caused by spinal distortion can be treated with a onetime neck adjustment.  

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Mobility improves.  Chiropractors specialize in helping those in pain and those with decreased mobility.  Often times, a joint just needs to be popped into place.  This sounds simple enough, but the technical term is a chiropractic adjustment.  When the joints are in proper alignment with the spine, they work better.  So, patients typically experience an improvement in mobility and movement.

Can treat a wide range of complications that cause pain and discomfort.  When it comes to pain and discomfort, we often think of car accidents and sports injuries.  Many medical conditions cause pain or discomfort.  Arthritis was used as an example above.  Additional problems that chiropractic care can treat include sleep difficulties, allergies, scoliosis, earaches, severe menstrual cramps, and headaches.

The symptoms aren’t masked.  When visiting a primary care physician to seek pain relief, most just recommend over-the-counter or prescribed pain pills.  These are not a solution.  They temporarily mask the problem, not treat it.  Chiropractic care is based on the belief that natural care is best.  It relies on manual therapy.  With the use of the hands, a trained professional cannot only relieve pain, but stop the problem at the source.

Chiropractic care is a form of natural medicine.  A chiropractor will not discourage patients from seeking temporary relief from over-the-counter pain products, but the focus is temporary.  It should only be used until a chiropractor can see a patient.  Also, these professionals do not prescribed medication.  Yes, they cannot do so legally, but they do not feel the need to.  Treatment and care involves the hands, not unnatural medicines.

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Chiropractic care is safe.  As previously stated, chiropractic care is a form of natural healthcare.  You are not prescribed medications and you will not have your blood drawn.  A doctor may use an MRI or an x-ray to diagnose a problem, but that is about it.  The hands and the hands alone perform treatment.  For that reason, there are no risks of complication, death, or infection.  You are not discouraged from seeing your primary care physician for other medical issues, but if it involves pain, discomfort, and difficulty moving, a chiropractor is the safest way to seek treatment.

It is ideal for individuals of all ages.  Most primary care physicians suggest medicine, but there are many risk and side effects.  This is particularly true for young children and the elderly.  Many prescribed medications provide only temporarily relief and they have many side effects.  These medications may interact with others, causing additional complications.  Since chiropractic care is 100% natural, there are no risks.  This means that care is ideal for individuals of all ages, including the young, the elderly and pregnant women.

Chiropractors are well educated and trained professionals.  One mistake that people make is thinking they can perform chiropractic care at home.  After all, it involves the use of hands and we have them.  Yes, this is true, but there are many dangers to performing this care at home, especially with chiropractic adjustments.  One wrong move and a lot of damage could result.  Chiropractors operating in the United States are trained individuals who have received the proper schooling and undergone the proper tests.  Always opt for a Doctor of Chiropractic (D.C.), as you get the best and safest level of care.

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Seeking Chiropractic Care -What You Need To Know

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Are looking for Chiropractic Care?

Do you suffer from pain, discomfort, or have difficulty moving? Whether that pain is caused by arthritis, an injury, or if you don’t know the cause, you may consider chiropractic care. Chiropractic care is a natural way to seek pain relief. With proper treatment, that relief will be long-term and long-lasting. However, if this is your first time seeking chiropractic care, you may have many questions. Continue reading on to get your answers.

Question: What types of conditions can chiropractors treat?

Answer: A wide range. Many are actually surprised to hear that chiropractors treat more than just back pain. This is a common misconception. In actuality, they treat a wide range of medical conditions that result in pain, discomfort, and decreased mobility. They typically treat neuromusculoskeletal complaints and joint pains in the entire body.

Question: What types of treatments are offered in chiropractic care?

Answer: Many. Although many procedures are performed, two are common. They are adjustments and therapeutic massages. One mistake that many make is believing that they can perform these procedures at home; it is very risky. A chiropractic adjustment is a fine practice that only a few know how to master. Yes, only the hands are used, but precision force is required. The hands manipulate joints to enhance function, improve mobility, and reduce pain. These joints are important to mobility. One wrong move and a person can land themselves in a world of pain.

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Question: Is chiropractic care safe?

Answer: Yes. Many are surprised to learn just how safe chiropractic care is. It is actually a lot safer than most traditional forms of medicine. Chiropractors do not prescribe medication. They cannot, but most would not anyways. This is because they believe in natural relief. They also aim for more than just temporary relief, but a permanent solution to the problem. Most primary care physicians mask pain with over-the-counter or prescribed pain pills. This temporarily stops pain, but it will return. On the other hand, chiropractors target the source of the pain and fix it. So, not only is chiropractic care safe, but you get better, longer lasting results. Question: Do you need a referral before seeing a chiropractor? Answer: You shouldn’t. Many insurance providers do require referrals for specialists, such as surgeons. Although chiropractors do have a specialty, which is natural manual therapy, they are not legally classified as specialists. All states classify them as contact physicians. This means your insurance provider should not require you to have a referral. In fact, chiropractors provide referrals. In cases that they cannot treat, such as a neck fracture, the patient is referred to a qualified surgeon.

Question: Does chiropractic care hurt? Answer: It shouldn’t. If you opt for a certified chiropractor who performs all procedures correctly it should not hurt. The only exception is with a therapeutic massage. If you suffer from arthritis, your joints already hurt. The first couple of touches may result in some discomfort, but that will soon disappear. As for adjustments, they should not hurt. Although chiropractors advise against cracking our knuckles, we have all done it. It is similar. You may hear a popping sound, but will feel no pain.

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Question: How do I find a chiropractor?

Answer: You have many options. It is easier to turn to your local phone book. In the yellow pages or the business directory, look under the headings of “physicians,” or “chiropractic care.” The American Chiropractic Association (ACA) allows you to search for doctors of chiropractic (D.C.) on their website, located at AmerChiro.org.

Question: Does insurance cover chiropractic care?

Answer: It depends on your insurance company and the coverage plan you selected. A growing number of insurance providers are extending coverage for chiropractic care. Some are doing so at the suggestion of employers and employees. Those in physically demanding professions, such as construction and mail delivery, can benefit from having easy and affordable access to care.

Question: What about those who do not have health insurance?

Answer: If you do not have health insurance, do not avoid seeking chiropractic care. Instead, find a care provider who is willing to work with you. Some will develop affordable payment plans. Some chiropractors also accept credit cards as payment. Although the costs increase with late fees and interest rates, it may be your only way to seek relief.

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Neck Pain and Chiropractic Care

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Neck pain treatment through chiropractic care:  The Benefits

Do you suffer from mild to severe neck pain?  Whether that pain is due to an injury or it is just a kink in the neck that you can’t explain, you may start preparing for long-term pain. 

Please wait and stop!  Don’t assume you will have to live with your pain.  A solution to your problem and pain relief may be a lot easier and quicker than you thought.  So, how do you seek relief?  By getting chiropractic care.

If you weren’t already aware, chiropractic care relies on the use of manual therapy.  With this type of therapy, surgical tools and instruments are not used. 

In fact, many practicing chiropractors rarely suggest surgery, unless in extreme cases they cannot treat.  Manual therapy involves hand-on treatment.  The hands are literally used to massage and thrust joints and bones back into place.

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You may be worried about the costs and the results.

Not all insurance providers cover chiropractic care, so you may be responsible for the cost out-of-pocket.  Is it worth it?  In most cases, yes. 

The benefits neck pain patients receive from chiropractic care far outweigh the affordable costs.  Speaking of those benefits, what are they?

If you opt to seek neck pain treatment through chiropractic care, your chiropractor will do more than just massage the neck or adjust the joints in your neck. 

More than one session is needed.

 

First, he or she will diagnose the problem.  Then, a treatment plan will be decided.  This may include regular therapeutic massages or a neck realignment. 

Treatment may wait until the next appointment.  In cases of neck realignment, aftercare is very important.  Your chiropractor may continue to massage the area or teach you exercises.

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Decreased pain.

Not only do some patients experience a decrease in pain, but some see a complete elimination.  It all depends on the cause of the problem.  Were you in a car accident and suffered whiplash? 

It will be painful, but the pain should go away on its own.  However, for the time being, it will be painful.  Ongoing therapeutic massages can speed up the progression of natural healing and reduce pain.

Improved mobility.

In terms of mobility, many automatically think of the feet.  Decreased mobility and movement can also result from neck pain.  A stiff neck can make it difficult and painful to move.  With chiropractic care, you will not have this problem anymore.  Full movement should be resorted.

Less reliance on pain medications.

As previously stated, one of the many benefits of chiropractic care is reduced pain.  Chiropractic pain relief eliminates the need for over-the-counter and prescription pain relievers.  This is enough benefit alone to seek treatment for your stiff or painful neck. 

Medications have many risks and side effects.  Keep your body pain-free and healthy by opting for natural medical care.

Most neck pain patients refer to chiropractors as miracle workers.

There is a good chance that your doctor will be able to alleviate or eliminate your pain, but there are no guarantees.  A wide range of complications causes neck pain. 

A car accident can create a painful whiplash, but it can also lead to a fracture.  Most chiropractors are unable treat neck fractures.  In and when that time comes, you will be referred to another qualified physician.

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How to Lessen Your Fear of Going to the Chiropractor – Haines City, Florida

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Do you need to seek pain relief from a chiropractor?

If this is your first time seeking chiropractic care, you may be both excited and overwhelmed. You want a pain-free life, but any new medical treatment is scary.

You have nothing to fear about this natural healthcare, but it may be difficult to stop your mind from wandering. So, how can you lessen your fear of going to the chiropractor?

Know that they are real medical professionals. It is widely accepted now, but in the past it was touted as a form of alternative medicine.

Chiropractors are real medical professionals, just like your primary care physician. They just specialize in all-natural pain relief with manual therapy. Someone cannot just wake up and decide to be a chiropractor. Years of schooling, training, and testing is required.

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Think about the pain. Most experts suggest not concentrating on pain. Consider where it hurts, how much it hurts, and how it is negatively influencing your life.

Does your neck pain prevent you from playing with your kids or enjoying a game of golf? Once again, focus on your pain and the limitations it imposes.

Next, think about the relief. You just realized how your pain is influencing your life and it is never good. Now, focus on the relief. What would you do if you didn’t feel pain? You would feel less depression, be able to play with your kids, and enjoy some of your favorite hobbies.

A life without pain sounds nice doesn’t it? You have no reason to fear a chiropractor, but focus on your life without pain. It should give you that extra push you need to attend your appointment and with confidence.

Ask those you know about their experiences. Chances are, you know at least one person who has undergone chiropractic care. Talk to them. Whether it be a family member, friend, neighbor, or coworker, ask about their experiences.

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What type of treatment did they undergo? Ask them to explain in detail. Ask about pain. Did they feel any during treatment and did the pain subside afterwards? If your acquaintance has nothing but good things to say about a certain chiropractor, consider seeking treatment from that same practitioner.

Ask to meet with the doctor beforehand. One of the fears people have isn’t necessarily related to the practice of chiropractic, but their new provider. It is always nerve-racking meeting with a new medical professional.

You are entrusting that person with your life and to cure your pain. A positive working relationship is a must. See if you can meet with your new chiropractor before your first appointment, even if just for five minutes.

Gauge their personality and their passion. Pickup forms while there, so you can fill them out at home and not in the waiting room at your first appointment.

While at your appointment, ask questions. With primary care physicians, some patients are so worked up about the blood-drawing needle that they don’t even know why samples are taken.

Don’t let this happen to you. Ask your chiropractor to explain each action. It will ease your fears, as you are not unaware or left wondering. You always know what is going on.

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Payment Options for Chiropractic Care – Davenport, Florida

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Chiropractic Care: Payment Options

Are you experiencing pain, discomfort, or decreased mobility? Whatever the cause or if you are unsure, you should seek chiropractic care. This care is 100% natural and has many benefits. What are they?

As previously stated, chiropractic care is natural. It involves manual therapy, also known as hand therapy. A chiropractor may use an MRI or x-rays to diagnose a problem, but that is it. Therapeutic massages, fusions, alignments, and adjustments are done with the hands and precision force. Chiropractors believe that pain needs to stop, but they do more than just mask the pain with medication. In fact, they do not prescribe medication. Instead, they go directly to the source and fix the problem.

If you like the sound of chiropractic care, you may be ready to seek relief. You will want to call and schedule an appointment with a local care provider, but what about payment. How will you pay for treatment? It depends on the care center in question, but you should have a number of options.

Before worrying about how you intend to pay for a chiropractor, consider insurance. Do you have health insurance? If so, contact your insurance provider immediately. Many insurance providers are now embracing chiropractic care. They realize the benefits and decreased costs of natural relief. If your insurance coverage includes chiropractors, examine your options. Are you free to choose any provider that accepts your insurance or must you opt for a special in-network doctor?

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If you have medical coverage, determine how much is covered. You may be required to pay 20% of the bill or have an affordable $10 co-pay. If you do not have medical coverage, you will need to cover the entire cost yourself and out-of-pocket. What are your options?

Personal checks. Most chiropractors do accept personal checks as a method of payment. They realize that consumers prefer these checks to carrying around cash. Checks are ideal, as you receive an additional receipt. There is record that you paid your bill.

Credit cards. Not all chiropractors accept credit cards as a method of payment. This is usually due to fees. Credit cards fees can be costly. If your care provider does accept credit cards, only use them as a last resort. The cost of treatment can significantly increase with high interest rates and late fees.

Debit cards. If a chiropractor accepts credit cards, they should also accept debit cards, also known as bank cards. These cards will need to be processed as credit, but the funds will be withdrawn from your bank immediately. If you rarely carry personal checks, a debit card is a quick and easy way to pay for treatment.

Cash. All chiropractors should accept cash. They are ideal for low amounts, such as when you are only responsible for an insurance co-pay. Most chiropractic treatments are affordable. Unless paying an overdue balance, you will not need to have thousands of dollars on hand. If you are unsure which methods of payment your provider accepts, always bring cash.

You now know what forms of payment most chiropractors accept, but you may have affordability concerns. How will you pay your bills?

In full. Most chiropractors require payment made in full after each appointment. As previously stated, this will not be high. A little bit of planning and preparation can do the trick. At your first appointment, your chiropractor may recommend a later appointment for a therapeutic massage or adjustment. Inquire about costs. You will only get an estimate, but you should have a week or two to save that money.

Payment plan. As previously stated, most chiropractors prefer payment in full after each appointment. This lowers their risk of losing money. There may be some exceptions, especially with long-term care. If you need treatment, like if you are in severe pain and your chiropractor knows this, they may be willing to make an exception. That exception could include monthly or weekly payment plans.

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Only 14 Days After Your Car Accident – That’s It

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Auto Accident | 14 days, Car Accident, PIP |

In The State of Florida, You Have 14 Days to Get Treatment… VERY IMPORTANT! If you are in an accident as a Floridian, it is very important to be aware that state law says you must have personal injury protection (PIP) or no fault coverage as part of your car insurance policy in the state of Florida. Simply put, if you purchase mandatory coverage, your insurance company will pay for 80% of the first $10,000 of your medical expenses if you suffer from an emergency medical condition in a car accident, and $2,500 if you do not.

Insurance Advice: Required coverage under the law also covers destruction to property like if you smash another automobile. Required coverage does not cover physical damage to the other driver if you do not purchase bodily liability in your auto insurance policy.

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For those who don’t know the law it has recently been changed & now has a touchy new stipulation. Residents of the state of Florida only have 14 days to get treatment after an auto accident. This is commonly know as “the 14 day rule,” and is distinctive to the state of Florida.

What is an initial treatment and what does it include?The 14 day rule applies to initial treatment only. Initial treatment is the first medical professional who evaluates you for your car accident injuries following an auto accident.

The law indicates which medical professionals count as initial treaters:

• Dentists • Emergency Transports (EMT) • Chiropractors (DC) • Hospitals • Medical Doctors (MD) • Walk-in Clinics

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This means that if you treat with a physical therapist, massage therapist, or other medical professional not listed above for your initial treatment during the 14 days following your car accident, then the insurance would not be required to cover the medical bills for treatment needed as a result of the car accident.

Insurance Advice: If you do not seek medical treatment within the 14 day window following your car accident, you will forfeit use of the motorist’s PIP coverage. Insurance companies are no longer required by law to cover the medical expenses of those who wait to get treated, regardless if symptoms manifest after 14 days.

How does the law define what is and is not an emergency medical condition (EMC)?The statute regarding EMC is not clear and as a result can be frustrating, but the impact is big. Your treating medical professional will check whether you have suffered an EMC. If they decide you have, you will receive up to $10,000 in PIP benefits. If they decide you have not, you will recover $2,500 in PIP benefits. The initial treating medical professional does not have to make this decision nor does it need to be made within the 14 days following the accident. In fact, the decision can be rendered at any time following the accident.

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Who may opine an EMC?Medical doctors, DO, PA, and advanced registered nurse practitioners may all render an EMC for you. It’s important to keep in mind Chiropractors cannot. A Chiropractor may state their patient has not suffered an EMC, but again, cannot affirm an EMC is present.

This part of the law is confusing to the majority, as it doesn’t really add up, and was enacted about a minute prior to resetting the law. A challenge to this rule is before the appellate courts in hopes of enacting change.

Injured In a Car Accident? Call Ridge Chiropractic Today!Call immediately to schedule chiropractic care if you have been involved in a car accident. A chiropractor will develop a treatment plan if necessary based upon varying factors of your current state of health, including whether you have been involved in a auto wreck, job injury, slip and fall, athletic injury, or any other incident.

At Ridge Chiropractic we offer a wide range of services and treatment modalities including spinal care and massage therapy by a certified massage therapist. Call (863) 421-9700 to schedule your free consultation for chiropractic care at Ridge Chiropractic.

Legal Disclaimer: Please note: Ridge Chiropractic is not a legal referral service and provide medical services only. Note: Ridge Chiropractic is not responsible for the outcome of your legal case, nor any relationship you may have with an attorney for any reason.

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