Academy of Chiropractic

Quickie Consult 1313
Infrastructure 262 I

From the Desk of Dr. Mark Studin
Academy of Chiropractic

Preamble: Many of the issues I bring to you are very small, yet each issue is just that, an issue. If you take care of the small issues, then you will be able to build and more importantly, focus on the bigger issues...a larger practice and more family time. -Mark Studin 2006

Get Paid 100% on PI Claims with NO Lawyer



“Never Panic” Mark Studin 2021
I received this today from a doctor in TN. It is from Liberty Mutual intent on screwing the doctor with partial truths, fear tactics and total bullcrap. Here is the Liberty Email to the doctor: 

First they sent their typical reduction request and responded with a no and requested the bill paid in full. This was their response. What would be the best response back to them?

Good Morning,

 Thank you for sending that offer, however a 30% reduction is the most we can pay out on this claim.

 We understand that you feel your charges are reasonable for the services rendered. Unfortunately, there are other considerations on certain medical bills that for whatever reason cannot be paid at 100% of total charges as is true with the bill we are discussing. Some of the factors utilized in determining reimbursement rates include total charges, account age, managed care rates, attorney involvement, questionable liability, coverage issues, policy limits, aggravating factors, and other data.

We understand this bill has a lien on this account, however a lien merely guarantees some type of payment on the bill, never payment in full. You will received more money with working with us than if we went and negotiated with an attorney. You are also legally able to receive more funds with us than less with an attorney. In lieu of the current economic situation, we understand your need for quick payment at the maximum outputs on this bill. This will require a reduction, however, we are willing to find common ground with you the matter, we will work with you to get paid fairly on this. Please sign, and include a W-9 as well for payment in 5 business days.

This bill hasn't gone through the settlement process yet, so what I sent over was a pre-settlement offer. We routinely pay providers more than they would traditionally get by going through the settlement process.

So 30% is the most we can do in this case.

Here is what I suggested the doctor say to Liberty Mutual about the Fees. First, I cannot write what I really told him to tell them... but after that... I told him to send an email with a demand for payment in full. Should payment in full NOT be sent, then file and action in small claims court against them to get paid. 

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