To get physical therapy covered by an insurance company after an injury, it is critical that you have documentation on your side. Insurance companies often wish to settle such medical compensation claims as quickly as possible. However, long term injuries often require more carefully planning and compensation for more than just your medical bills.
Getting Physical Therapy
In situations where you are dealing with an insurance company, it is always best to have documentation for any claim you make. That documentation for a long term injury needs to come in part from your doctor. However, even with documentation such as medical bills, it is likely that the insurance claims adjuster will want to find reasons not to approve your claim. To avoid this, follow these tips:
- Document all procedures and tests you have done as a direct result of the injury. This should include diagnostic testing that may or may not be covered unless it is deemed necessary.
- Keep clear medical records of each of your visitors to the doctor and the doctor's recommendations.
- When a doctor suggests that physical therapy or another type of treatment is necessary or beneficial, ensure that the doctor documents this in your medical records. You will need to show the claims adjuster that the physical therapy you obtained was because your doctor requested it.
- Document any and all therapy you receive, including any results or improvements noted. Some insurance adjusters believe that physical therapists may prolong your therapy to include their bills. However, this is not the case in most situations.
- For long term injuries, ensure your doctor continues to recommend physical therapy as a treatment tool for your injury. This ensures the insurance company you need the treatment.
Following these steps will greatly improve your chances of obtaining the compensation you deserve for the physical therapy you receive as a direct result of your injury. However, this may not be enough in some cases.
In addition, you should not sign any agreement or claim statement settling your claim. This could stop all future payments for the injury to you from the insurance company.
Obtain An Attorney
To get physical therapy covered and to ensure long term injury compensation for your situation, work with an attorney. Your attorney will help you to determine not only how much compensation you are due, but also will help to prove that treatments such as physical therapy were and are necessary to improve your health.
