Academy of Chiropractic Personal Injury & Primary Spine Care Program

Quickie Consult 266

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.

"Learning Insurance Rules"

Over insured, underinsured, PIP Pay, Med Pay, etc. The terms swirl around in your head and can often be confusing. However, this is the language of your income and you need to be the master at understanding the meanings, rules, regulations and where you fit in the process, or you will be fitted "out" of the process wondering why you are not getting paid! It is difficult for me to educate you as there are 50 sets of rules, 1 for each state and those rules change often.

I strongly urge you to call your personal insurance broker and start there. Ask him/her to give you a complete education on the payment system based upon the contracts he/she is selling to customers. Start with your own policy (contract) and read every word so that you understand it. You are paying the broker's salary, so they will be "overly nice." Pay careful attention to underinsured motorists as that is where companies lower coverage and drop rates so you think you are getting a bargain...There are no bargains. 

This is the first step in a complete education to ensure you get paid. Over time, I will be providing more information to help fill in the gaps.

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