At Intercoastal Health, we specialize in providing comprehensive medical care for individuals who have been involved in motor vehicle or auto accidents. Whether you’re experiencing pain, discomfort, or require ongoing treatment, our experienced team is here to help you recover fully.
Personal Injury Protection (PIP) is a mandatory component of auto insurance in Florida. It provides immediate medical coverage regardless of fault, paying for a portion of medical expenses, lost wages, and other costs resulting from an automobile accident. Under Florida law, PIP covers 80% of medical expenses up to $10,000, provided the patient seeks medical care within 14 days of the accident. PIP benefits apply whether you were the driver, a passenger, or a pedestrian involved in the accident.
It is essential to seek medical care as soon as possible following an automobile accident. Florida’s PIP law requires that patients seek treatment within 14 days of the accident to qualify for coverage under their insurance. Failure to do so may result in loss of PIP benefits, leaving you responsible for the full cost of treatmen
In Florida, PIP insurance will cover treatment provided by a wide range of healthcare professionals, including Advanced Practice Registered Nurses (APRNs) or Nurse Practitioners (NPs), medical doctors (MDs), doctors of osteopathic medicine (DOs), chiropractors, and, in some cases, licensed massage therapists and acupuncturists. However, it is important to ensure that the provider you choose is familiar with handling PIP claims and documentation requirements.
No! A referral is not necessary to seek care from Advanced Practice Registered Nurses (APRN), chiropractors, physical therapists, or pain management providers under PIP coverage.
However, it is advisable to consult with your primary healthcare provider at Intercoastal Health to coordinate the most effective treatment plan based on your specific injuries.
The duration of treatment depends on the severity and type of injuries sustained in the accident. Recovery may take several weeks or even months, particularly if injuries involve the musculoskeletal system.
Your healthcare provider at Intercoastal Health will assess your progress and adjust your treatment plan as needed. Consistent follow-up care is crucial for optimizing recovery and improving outcomes.
It is important to keep detailed records of your medical treatments, diagnostic tests, and any related expenses. Your healthcare provider will assist by supplying the necessary medical reports, treatment plans, and billing statements required for your PIP claim directly to your Insurance Company.
We are well versed in treating patient involved in accidents and work to ensure proper documentation ensures that your claims are processed efficiently and that you receive appropriate coverage for your medical expenses.
If your medical expenses exceed the $10,000 PIP coverage limit, additional options may be available depending on your health insurance coverage or the liability of the at-fault driver. It is important to discuss your situation with both your healthcare provider and insurance representative to determine the best course of action.
Pre-existing conditions can complicate injury claims, but they do not disqualify you from receiving treatment. Under Florida law, PIP will still cover the treatment of injuries related to the accident, even if you had a pre-existing condition that may have been aggravated by the incident. Your healthcare provider will document the distinction between accident-related injuries and pre-existing conditions in your medical records.
PIP typically covers 80% of reasonable medical expenses up to the $10,000 limit, meaning you may be responsible for the remaining 20%. Additionally, if your medical costs exceed the PIP coverage amount, you may need to rely on your health insurance or pursue compensation from the at-fault driver’s liability insurance. Your healthcare provider’s billing department can help explain any out-of-pocket costs and assist with coordinating insurance benefits.
In Florida, you have the right to choose your own medical provider for treatment under PIP. While some insurance companies may suggest specific providers, you are not required to use them. It is important to select a medical professional who is experienced in handling accident-related injuries and familiar with PIP requirements to ensure proper care and claim documentation.
We offer flexible appointment options, including both in-person and telemedicine visits. Our team is here to assist you in scheduling your consultation and ensuring you receive the care you need.
Comprehensive care with a whole person approach, specializing in injury management, wellness, and longevity.
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