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FOR PATIENTS: INSURANCE INFORMATION
HEALTH INSURANCE:
The health insurance industry is in a state of constant change. We strongly encourage our patients to contact their insurance carrier to determine their chiropractic and physical therapy benefits. Schubbe Resch Chiropractic and Physical Therapy Center accepts and files all major indemnity insurance plans and the following major health plans in the Fox Valley:
Network Health Plan
United Health
Humana
Blue Cross Blue Shield PPO
Network Prevea
Premium Health Plan
Multiplan/WPPN
Health EOS by Multiplan including WPPN, AHC, HCN
WEA Trust/HSM
Choice Care
Trilogy Health Insurance
Private Health Care Systems
Medicare
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This list is not all inclusive, and may change without notice. Again, we urge patients to contact their insurance carrier to determine their coverage.
PERSONAL INJURY AND INSURANCE:
Coverage for personal injury (PI) claims can be very complicated. Our office follows the following progression of claim submission.
If your claim is automobile related and you have automobile insurance with medical pay benefits, we will bill all charges to your automobile insurance.
If no automobile insurance is available or medical pay benefits are exhausted, claims will be sent to your health insurance. If your health insurance does not cover chiropractic or if you have a deductible and co-payments, we ask that you make payments at the time of service. You may be able to recover these payments from your automobile insurance or the other responsible (third) party's insurance.
If no insurance is available or claims are being billed to a third party's insurance, we ask that you make payments at the time of service. You may be able to recover these payments from the third party's insurance.
If you have retained an attorney to help you with your PI case, please inform our office. You will need to sign a Medical Release form for us to share your records with your attorney. If you have questions about how your case may be handled with your attorney, please ask our staff.
Regardless of the billing situation your PI claim involves, please remember that you are ultimately responsible for the full payment of your account. Please read all forms carefully to be sure you understand how your case will be handled.
WORKER'S COMPENSATION:
If you are injured at work or become ill because of what you think is a work - related exposure, you must report the accident, incident or exposure to your supervisor. Any delays in reporting an accident, incident, or exposure may affect not only your health but your compensation benefits as well.
It is the responsibility of your supervisor or manager to fill out an injury report, which must be reported to the state Worker's Compensation Division. You are entitled to your own copy.
The WC Division will assign your case a claim number. Please retain this number until your WC claim settles.
Your employer may choose which provider you see for your work injury. You also have the right to select a doctor, chiropractor, psychologist or dentist licensed in the state. You are responsible for notifying your employer of who you have selected.
When you arrive for the first time for an appointment, you will be asked for your WC claim # and your health insurance card.
The doctor's office will contact your employer to confirm your work has accepted liability for the claim.
Once you have seen the doctor, the employer, the insurer, and you may view medical records.
All claims will be processed through the carrier identified by your employer.
You may file for a hearing with the Division of Workers Compensation:
- If your employer fails to report an injury
- If there is any dispute over any claim between you and your employer
- If there is a dispute between you and the insurer that cannot be resolved by talking it over
If for some reason your claim is not covered by worker's compensation, we will submit it to your regular health insurance payer.
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