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Question about insurance payments.

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ajinaz

Member
What is the name of your state (only U.S. law)? AZ

I just need clarification on insurance payouts.

My wife was involved in an accident last October. The other parties insurance accepted full responsibility. Prior to this accident my wife had visited a certain chiropractor.

At that time she had paid $27 co pay each visit and her health insurance paid $15 which was $42 a visit. This was less than a year before the accident. After the accident she went back to the same chiropractor and gave her the details of the accident. She visited 32 times over the past 8 months. Each time she paid the same $27 co-pay and her health insurance paid $15 each visit. Now that she has been released we have found out that she has submitted a bill to the other party's insurance for $90 each visit. This is for the same exact procedures that she paid $42 for before the accident.

This just seems really shady to us. When she asked the chiropractor she said that they discounted services for non-accident services but they don't discount for not-at-fault auto accidents. Is this a standard industry procedure or is it shady practices?
 


Zigner

Senior Member, Non-Attorney
What is the name of your state (only U.S. law)? AZ

I just need clarification on insurance payouts.

My wife was involved in an accident last October. The other parties insurance accepted full responsibility. Prior to this accident my wife had visited a certain chiropractor.

At that time she had paid $27 co pay each visit and her health insurance paid $15 which was $42 a visit. This was less than a year before the accident. After the accident she went back to the same chiropractor and gave her the details of the accident. She visited 32 times over the past 8 months. Each time she paid the same $27 co-pay and her health insurance paid $15 each visit. Now that she has been released we have found out that she has submitted a bill to the other party's insurance for $90 each visit. This is for the same exact procedures that she paid $42 for before the accident.

This just seems really shady to us. When she asked the chiropractor she said that they discounted services for non-accident services but they don't discount for not-at-fault auto accidents. Is this a standard industry procedure or is it shady practices?

They have a contract with your insurance company to accept lower amounts. They have no such contract with the other party's insurance.
 

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