The Practice of Care: A Provider’s Guide

Personal Injury Claim Resources for Healthcare Professionals

One of the many common goals we share with healthcare providers is helping your patients recover from their injuries. Unfortunately, the insurance companies impose requirements that make it difficult for providers to get paid and patients to get the care they need. Our provider resources blog aims to make the process easier with twice-monthly posts that offer straightforward and practical advice. We welcome your questions and look forward to your comments.

I give Heiling Dwyer Attorneys my highest recommendation for anybody needing help with an injury claim.

“I have patients with injury claims and I deal with their attorneys. Dean and his office always take especially good care of my patients. I have frequently relied on Dean to advise me how to help my patients through the medical-legal process. He is always there for my office and my patients.”

~Scot Bowles, Portland Area Chiropractor

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  • Personal Injury Protection (PIP)

Top Mistakes Insurance Companies Bank on Your Patients Making

When The Insurance Adjuster Requests Medical Records It’s a common occurrence for the adjuster for the at-fault insurance company to ask your patient to sign a medical records release authorization. Until your patient is medically stationary, this is a bad idea. Here’s the reason why. The at-fault insurance company adjuster will use the medical records

To Write IME Rebuttal Letters, Or Not? That Is The Question.

IME Rebuttal Letters When was the last time you read an Independent Medical Examination (IME) report recommending additional care? After reading the ‘Independent’ report, you quickly see their opinions are not based on reality.  Their conclusions say treatment is “not related to the collision” or ” the patient has made a full recovery,” even though

2015 CONTENT: IME Rebuttal Letters

When was the last time you saw an IME report recommend additional care? After reading the report you quickly see their opinion is not based on reality.  Their conclusions say treatment is “not related to the collision” or ”the patient has made a full recovery,” even though they have no real pre-existing conditions and are

How Fast Was The Other Car Going?

Determining Speed and Force of Impact For Personal Injury Claims “The other driver was going 45 mph when he hit me.” “My car was totaled.” “It was an incredibly hard impact.” What do these three statements have in common? The patients had no idea how fast the other car was actually going and there was

Finding Hidden Personal Injury Protection Policies

How To Find Hidden PIP Policies Not too long ago we had a client who was crossing the street in downtown Portland. While crossing the road, a car ran a red light and hit our client, causing a compound fracture of their femur, and many other injuries.   We found three Personal Injury Protection policies,

Letters of Protection: How to Know if It’s The Real Deal

Utilizing Letters of Protection What do you do when your patient’s Personal Injury Protection benefits have run out and they still need treatment? Do you stop treating? Do you treat them and hope you get paid? What if they can’t make any payments for your service? It comes down to a balance of treating people

What NOT to Do When Your Patient Refuses to File a Workers Compensation Claim

When A Patient Refuses To File A Workers’ Compensation Claim If your patient was injured in a vehicle collision while on the job, what’s the harm in billing their Personal Injury Protection benefits from their own automobile policy? A lot, for you and for your patient.  I recently had a client call after being injured

2015 CONTENT: How Fast Was The Other Car Going?

“The other driver was going 45 mph when he hit me.” “My car was totaled.” “It was an incredibly hard impact.” What do these three statements have in common? The patients had no idea how fast the other car was actually going and there was little visible damage. A common error we see in chart

2015 CONTENT: Signing Medical Release Authorizations

We are often asked if an injured person should sign a medical release authorization for the insurance company of the person who caused the collision. It’s generally a bad idea. It is not unusual for the injured person to feel like they should sign the authorization. They don’t want to be uncooperative or unreasonable. There

2015 CONTENT: Hidden PIP Coverage

It is a commonly held belief, even among lawyers, that there is no PIP if a vehicle is insured under a commercial policy. This is actually not the case. Any policy issued in Oregon, even a commercial one, must provide the minimum of $15,000 in medical benefits IF the vehicle is a private passenger vehicle

2015 CONTENT: When PIP is NOT Available

PIP is available for treatment of injuries arising from the use of a private passenger vehicle insured by an Oregon policy, so long as the vehicle is not used for wholesale or retail delivery or public conveyance. The following are situations where PIP is not available: Injuries resulting from the use of a motorcycle or

2015 CONTENT: Who Pays the Bills?

When your patient who is either a bicyclist or a pedestrian has been injured by a vehicle, Oregon law states the order of which insurance is required to pay for their medical treatment. The following is the order determined by the statute: Workers’ Compensation will be the first available resource, if a pedestrian or bicyclist

2015 CONTENT: On the Job Injuries

Who do you bill when your patient is injured in an MVA while on the job? I recently had a client call after being injured in an MVA while on the job. Because he did not want to get his employer involved by making a workers’ compensation claim, he wanted his providers to bill PIP

2015 CONTENT: What are Independent Medical Exams (IME)?

PIP carriers have the right to request that their insured see one of their doctors. Insurance companies request IMEs solely for the purpose of denying claims. There is no other reason for an IME. Insurance companies are skeptical of pre-existing conditions, low speed impacts, and extended treatment. The IME report will typically say that the

2015 CONTENT: Letters of Protection

All too often there are patients who need continued medical treatment but have no access to medical benefits. Perhaps their PIP was exhausted or denied and there is no health insurance to fall back on. A letter of protection from your patient’s attorney can allow you to continue treating the patient when there is no

2015 CONTENT: Health Insurance Penalty Clauses

Health insurance policies differ in what they will cover when a patient has a personal injury claim. Many health policies limit or exclude chiropractic, naturopathic, massage, or acupuncture. Some health policies offer no coverage at all for car injuries. Most health policies cover medical expenses for car injuries only after receiving verification that PIP benefits

2015 CONTENT: Accurate Medical History

All medical providers know an accurate medical history is important. When it comes to treatment involving a personal injury claim, it’s even more important. It can be the difference in whether the provider gets paid and whether the patient’s claim is successful. Most providers ask about pre-existing conditions when treating a new patient. It’s on