The max PIP payment will vary according to the injured party’s insurance policy and their policy’s maximums. In general, PIP (personal injury protection) coverage pays up to 80% of eligible medical care. PIP insurance is optional and covers all your patient’s required emergency and follow-up care. These costs can include hospital admissions, surgical procedures, and ongoing care prescribed for the injured party.
If you are a health care provider who treated an injured party, you can file for PIP coverage to recover the costs of the treatments you provided. A lawyer in your area can help you understand how PIP coverage works in your state, each policy’s minimum and maximum coverage, and your right to recover compensation for your professional medical services.
What Expenses and Losses Does PIP Cover?
As a health care provider in a hospital, clinic, or private practice, when you treat a patient injured in a car accident, your first priority is to provide the best possible care. And to ensure your patient receives all required immediate and ongoing medical attention.
You are, however, entitled to compensation for the health care services you provided and might continue to provide. If your patient’s or the at-fault driver’s auto insurance policy includes PIP insurance, it will typically cover the following medical costs:
- All accident-related medical bills
- Necessary therapy and rehabilitation
- The patient’s out-of-pocket expenses
The lawyer handling your case will clarify what personal injury protection is, what medical services are compensable under its coverage, and how you can apply for the compensation you are entitled to recover for the care you provided. Any additional medical expenses not covered by the injured party’s PIP coverage might still be covered by their private health insurance coverage or the MedPay portion of their auto insurance policy.
How Do I Know if PIP Insurance Includes My Services?
PIP generally covers all required medical services for the following individuals injured in an accident:
- The vehicle’s owner
- Family members in their household
- Injured occupants of their vehicle
- Any person injured by their vehicle
If your patient is either of these, you can turn to the relevant PIP insurance for compensation. PIP coverage is immediate in the event of an accident, and you most likely will not have to wait for the injured party’s case to be resolved for you to receive compensation. The personal injury lawyer representing the injured party can explain how and when you will be compensated for your services.
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How Does MedPay Work Alongside PIP Insurance?
When responsible drivers choose auto insurance, Medical Payments (MedPay) is an available option. Drivers who opt to add MedPay to their policy can have certain expenses covered for the following individuals in the event of an accident:
- Required medical care for the named policyholder
- Required medical care for other drivers named on the policy
- Required medical care for passengers injured in the accident
As part of your initial examination, the injured party will explain how they came to be injured in the accident and whose insurance policy is responsible for their coverage.
What Expenses and Losses are Covered By MedPay?
Like PIP insurance, MedPay insurance covers accident-related medical care for the injured party. You can be compensated for the following medical services:
- Emergency room fees
- Hospital stays
- Ongoing bills
Unlike PIP coverage, your patient can rely on MedPay to cover the costs of any treatment-related deductibles and copayments required when your service is rendered. This added protection can help your patient avoid service delays and ensure you are given the compensation you are entitled to receive.
What if My Patient Has Both Types of Coverage?
Both types of coverage are optional in Georgia, and your patient might have opted for both to ensure their post-accident expenses were covered as fully as possible. If your patient has both types of coverage, their car accident attorney will help them tap into both to have their medical expenses covered.
It prevents your patient from incurring out-of-pocket expenses while ensuring you are compensated. A primary benefit of PIP and MedPay insurance is that each will provide coverage without regard to fault, which can avoid a potentially dangerous delay in your patient’s treatment and your subsequent compensation.
Get Help Understanding How PIP Insurance Works
If you are an emergency room, follow-up, or aftercare medical professional and you recently treated a car accident victim, you are entitled to compensation. If the injured party is represented by our car accident attorney, we can help you, too. At Bader Scott Injury Lawyers, we help our clients with every aspect of their injury case, including understanding the max PIP payment and how their medical care is compensated.
Contact one of our team members to learn more about how we can work with you.