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cromlich
03-05-2014, 12:12 PM
As we see article after article about exceptional medical available to us in The Villages, I would like to share with everyone a huge medical nightmare. I will start off by saying I love The Villages and never want to live anywhere else, however I was involved in a golf cart/car accident on Feb 13, 2014 as a passenger in the golf cart. The car turned immediately in front of us and I took the entire impact with numberous injuries resulting with an ambulance ride for a day trip to the ER. The car 's insurance company has assumed 100% responsibility for the accident.
I have a serious knee/leg injury (both) resulting in excruciating pain. I was referred to an Ortho doc by the ER. After numerous calls to numerous Ortho docs from Ocala, The Villages and Leesburg I have been denied even being seen (even with using my health insurance cards) because I was involved in "an accident". I still have been unable to find a way to get the help I need and was just told by my primary care doc that they, also, will not address the injuries from the wreck. What am I to do? My pain in getting worse as I fight this ridiculous attitude of docs who took oaths! Anyone out there have anything to share? There is not an Ortho doc out there who cares. So much for having available to us exceptional medical care. I am ashamed of our medical field especially the Ortho docs.
I was even told by an office person at a Leesburg Ortho office that she hated these calls because it hurts her to turn down people who need help but she has no choice. She said she has talked with people who need immediate care and can't get it. The hospital only wants to bandage you up and send you on your way to travel this nightmare.

I pray no one else has to experience this. On top of everything else I feel like having a nervous breakdown. Please PM me if you have any ideas or help. It doesn't matter if you have great health insurance or guaranteed payment. Believe me. We have tried.

tucson
03-05-2014, 12:26 PM
Hi cromlich, I sent you a PM...

oldyeller
03-05-2014, 12:32 PM
I,'m not clear on why they are refusing treatment what is their reasoning?

Bogie Shooter
03-05-2014, 12:37 PM
Call Bogan, Munns and Munns. For the People!

JB in TV
03-05-2014, 12:55 PM
Why are they refusing treatment? Have you called the insurance company that is accepting responsibility? Maybe they can refer you to a doctor?

784caroline
03-05-2014, 01:02 PM
If I had to guess, they probably dont want to be involved in the paperwork and time associated with any potential lawsuit or supeana. Weak excuse!

BarryRX
03-05-2014, 01:27 PM
They will treat you if you guarantee payment. Many docs will refuse to treat accident victims because they sometimes do not get paid for it. What happens is that your insurance company may refuse to pay the doctor because they think that the insurance company of the other people in the accident are responsible for payment. As a previous poster stated, you may want to contact a personal injury lawyer. They can recommend a doctor that will treat you. Keep in mind that if you do sue someone because of the accident and win a cash award, that due to a clause in your insurance called subrogation, you will probably have to pay back the insurance company for money they spent on your medical claims.

jnieman
03-05-2014, 01:30 PM
Are you not being seen because you need to be seen immediately or because the injuries were from an accident? Have the ortho doctors been willing to give you an appointment for the future (a few weeks away)? If so, possibly your family doctor or an urgent care will prescribe some pain meds so you can wait for your appointment. I was a little confused reading your post. If no one will see you period that is horrible and I've never heard of such a thing.

Cirezz
03-05-2014, 02:09 PM
hi...it is SO SAD & DISTRESSING to try & deal with orthopedics in this area!!!WHEW!!!We moved here from Maryland in August & have had HORRIBLE experiences with orthopedics...There are THREE in The Villages & One Orthopedic DR in Ocala (who accept my Insurance Plan) that REFUSED...absolutely REFUSED to see me...I FINALLY found two in OCALA who were very helpful...Let me know if you need more info...*GOOD LUCK!!!*

texasfal
03-05-2014, 05:21 PM
Seriously you need a lawyer. Call TIm Babiarz at 2057599. His office is in Oakland Hills on 441. I worked for Tim for 6 yrs, he can refer you to an ortho who will take your PIP insurance. Call him right away and get the help you need. Tell him Judy sent you. God bless.

gomoho
03-05-2014, 07:54 PM
I personally would not be comfortable using an ortho doc simply because he was willing to treat accident victims. I would make an appointment with my doctor and go through with my regular insurance so I could get the treatment I was looking for than have an attorney take care of collecting for damages.

rubicon
03-05-2014, 09:11 PM
It would seem that Florida's PIP would kick in??????????????

golf2140
03-05-2014, 10:40 PM
It may be because after an accident, Morgans and the Danny's of the state will then require them to come to court to testfy in the civil actions.

texasfal
03-06-2014, 08:01 AM
That's part of the reason, also PIP only pays a portion of the bill. Its inline with what medicare pays and then the providers usualyy have a long wait for their reduced fee. But it sounds like the Op may have a claim for pain & suffering which isn't covered by PIP. IMHO?

zonerboy
03-06-2014, 07:28 PM
You can thank the legal profession for this unfortunate situation.
Doctors want to treat injuries and illnesses. They do not want to be involved in needless and time consuming paperwork and court appearances which are required by greedy liability lawyers who are mainly interested in making large amounts of money by inflating damages (since they will take 25 to 33 percent of any settlement amounts)

Lindahun
03-06-2014, 07:58 PM
I had the same problem when I was in a motorcycle wreck. They didn't want to go to court if it had to go through my auto insurance. Since you don't have to have insurance on a MC they took me. I did call the hospital that treated me and they told me if I couldn't get help to go back to them.
I feel for you.

blueash
03-07-2014, 11:16 PM
You can thank the legal profession for this unfortunate situation.
Doctors want to treat injuries and illnesses. They do not want to be involved in needless and time consuming paperwork and court appearances which are required by greedy liability lawyers who are mainly interested in making large amounts of money by inflating damages (since they will take 25 to 33 percent of any settlement amounts)

Yes everyone hates the lawyers until they need help. If not for personal injury lawyers there would be no such thing as collecting for your pain and suffering, for your loss of earnings for your disfigurement. We could just pay the doctor for the direct cost of the medical care and after that you are out of luck. Those "greedy liability lawyers" are going to be on your side when you need them, and they get nothing if they lose which is a great system for keeping the doors of the courthouse open to everyone, not just the rich. Yes the legal system in America is terrible, but the system almost everywhere else is worse.

ilovetv
03-07-2014, 11:55 PM
Think about it. How many times are there threads and posts here conveying the problems patients have getting in to see a doctor of any kind, waiting weeks and even months to get in.

Or how many times people post saying they had to wait 15-20 hours in the E.R. to be seen by a doctor, and in the end they give up and go elsewhere only to find the same kind of wait. Or, they finally give up and just go home and take their chances of not getting screwed up worse by ignoring something that could unknowingly be getting worse by the hour.

Does anybody think the practice, hospital or clinic's other patients can afford to wait days/weeks longer because the clinicians have to go to court and wait to be deposed, and wait at a courthouse for hours and days to testify to the injuries or evidence they saw/collected.....or wait at the courthouse while the attorneys are supposedly going to settle, but then again....they don't....and the clinicians are told "come back next month", to start waiting in lawyers' office and courthouses all over again. Meanwhile, their patients are getting fed up and are posting on TOTV about their disgust with being unable to get a doctor or be seen in an E.R.

It is in part due to unscrupulous lawyers, but they're not all like that, and the good ones are needed.

cromlich
03-08-2014, 07:28 AM
They refuse me because of the accident. Not insurance. The responsible party even got on a couple of 3 way calls and guaranteed 100% payment and they still refuse. It is so very very sad. I have a dislocated wrist and knee injury and have to get an attorney to be seen. I have a primary care doctor who is at least willing to have the testing done now. Just an awful predictament to be in. A real mess. I feel so sorry for those who don't have the stamina to fight.

cromlich
03-08-2014, 07:43 AM
They just won't be bothered. One of the gals in Leesburg who answered the phone was clearly distressed with the situation and wanted to help but the Ortho docs obviously have a pact to stand together on this one. I've gotten 3 different reasons as to why they refuse but I think it comes down to the fact that it is not quick and fast and they might have to do something unusual that takes time. I had even had a thought about suing until now and that would only to be to get the proper treatment. This is crazy. I guess I'm suppose to sit here in pain for the rest of my life because the attornies and docs don't want to be bothered.

cromlich
03-08-2014, 07:44 AM
It would seem that Florida's PIP would kick in??????????????

Most of the docs I have called state PIP is the problem.

bimmertl
03-08-2014, 08:02 AM
Most of the docs I have called state PIP is the problem.

Unless the golf cart you were in was street legal, and has the required insurance policy, it doesn't have PIP. The PIP on a car you own only applies when you are occupying a vehicle required to be licensed for use on Florida highways. So it's questionable if there is any applicable PIP for a person injured while a passenger of a non street legal cart.

cromlich
03-08-2014, 08:06 AM
yes and the adjuster even got on a 3 way call guaranteeing payment as his client is 100% responsible and they still refuse. I challenge anyone to call any Ortho doc in The Villages, Ocala or Leesburg and see what their response is to an accident. It's crazy

cromlich
03-08-2014, 08:07 AM
Thank you, Judy

cromlich
03-08-2014, 08:12 AM
Would you mind pm'ng me and give me the names of the docs in Ocala? Thank you so much.

SusanOfWoodbury
03-08-2014, 11:20 PM
Conact the State of Florida Insurance Commisioner with your complaint...Contact the local newpaper, probably the Ocala paper and have someone do a story about your plight.. Also, contact WESh, Channel 2 or 6 for another personal interest story...

cromlich
03-14-2014, 06:38 AM
I was so excited to think I had found a wonderful Primary Care doc. I just had a very frustrating day at his office after numerous tests being done and thought maybe I was on the way to getting some help. I thought we were going to be addressing my Blood Pressure that had gone off the charts since my accident and my ongoing excruciating pain in my knee, leg and back but instead I was lectured about how docs are so mistreated now and how they are "cherry picking" their patients. I walked out of there more stressed then ever. I did not have an attoreny at that point but I do now. Folks, this is real. He told me that if a patient has too many issues or takes too much of a doctor's time they will be choosing to eliminate you as a patient. I was astounded at this comment. He wanted to know how I had gotten to the doc I had and I explained I saw a doc other than an Ortho doc so that I could be treated. He said that docs don't want to be bothered with accidents. Excuse me! I did not ask to get hurt in an accident. I have real issues that I only wanted treated. I had no intentions of suing anyone. Not til now. I got more help from an attorney in one phone call then I did with all my office visits to the medical docs. This is sad. I am not an automobile that was damaged but a real live human being. I needed help and they don't want to help. I'm sincerely scared for the future of where this is headed. The docs and attornies need to work this out between themselves. I know all the arguments about how they are taking less and less money and how they "think" they will end up in court. We all are taking hits in this economy and crazy world out here. What if every business picked and chose who they do business with. I know in my world when I was working we took the good with the bad. it's business and we are dealing with humans, not equipment or objects. I felt less of a human being yesterday then I had in all my years of living. I am sure after yesterday that I will be looking for a new Primary Care doc. At least now I am going to get some help so that I can get back to a life. I would never treat anyone the way I felt yesterday. So sorry to rant but all of us need to know what will happen should we be unfortunate enough to be seriously hurt in an accident.

graciegirl
03-14-2014, 06:43 AM
Is something broken? Is something open? Have you tried seeing your regular physician first?


I am so sorry you are going through this.


Whoops, we posted at the same time. I see that you now have a PCP.


I am confused. Did he give you medication for your blood pressure, Did he examine your injured areas and give you advice or help?

cromlich
03-14-2014, 06:48 AM
Conact the State of Florida Insurance Commisioner with your complaint...Contact the local newpaper, probably the Ocala paper and have someone do a story about your plight.. Also, contact WESh, Channel 2 or 6 for another personal interest story...
thanks for the advice. I am doing all I can to let everyone know what they will be up against should they be unfortunate enough to be seriously hurt in an accident. God bless

cromlich
03-14-2014, 06:49 AM
Is something broken? Is something open? Have you tried seeing your regular physician first?


I am so sorry you are going through this.


Whoops, we posted at the same time. I see that you now have a PCP.


I am confused. Did he give you medication for your blood pressure, Did he examine your injured areas and give you advice or help?
Yes, Gracie, see my last post. This is a nightmare and we all need to be aware of what we are up against. You are always so kind and uplifting. I'm really scared for the future of all this. HUGS

Parker
03-14-2014, 07:08 AM
Cromlich, was your primary care doc truly unfeeling, or was he just telling you the facts of the way things are in the medical field these days? Is this a case of shooting the messenger? Perhaps he was sympathizing with you and trying to help with explanations of the real world today.

I don't know, the whole world confuses me these days.

Chi-Town
03-14-2014, 07:32 AM
Cromlich, what happened to the orthopedic doctor that you were referred to by the ER? That referral is usually in writing in your discharge papers.

BobnBev
03-14-2014, 08:01 AM
Call Bogan, Munns and Munns. For the People!

It's MORGAN AND MORGAN------For the people.

graciegirl
03-14-2014, 08:44 AM
They just won't be bothered. One of the gals in Leesburg who answered the phone was clearly distressed with the situation and wanted to help but the Ortho docs obviously have a pact to stand together on this one. I've gotten 3 different reasons as to why they refuse but I think it comes down to the fact that it is not quick and fast and they might have to do something unusual that takes time. I had even had a thought about suing until now and that would only to be to get the proper treatment. This is crazy. I guess I'm suppose to sit here in pain for the rest of my life because the attornies and docs don't want to be bothered.



I am only trying to understand. Do some orthopedic surgeons ONLY do replacements?

graciegirl
03-14-2014, 08:45 AM
Yes everyone hates the lawyers until they need help. If not for personal injury lawyers there would be no such thing as collecting for your pain and suffering, for your loss of earnings for your disfigurement. We could just pay the doctor for the direct cost of the medical care and after that you are out of luck. Those "greedy liability lawyers" are going to be on your side when you need them, and they get nothing if they lose which is a great system for keeping the doors of the courthouse open to everyone, not just the rich. Yes the legal system in America is terrible, but the system almost everywhere else is worse.


?????

cromlich
03-14-2014, 01:10 PM
Cromlich, what happened to the orthopedic doctor that you were referred to by the ER? That referral is usually in writing in your discharge papers.
They were the first to refuse treatment. It was a Dr Williams in Leesburg. I called the ER and they said "they knew it to be a problem" So why not tell me that before sending me on a wild goose chase. It doesn't matter if you have a referral or not.

cromlich
03-14-2014, 01:11 PM
I am only trying to understand. Do some orthopedic surgeons ONLY do replacements?
not to my knowledge. They should treat all Orthodonics

cromlich
03-14-2014, 01:12 PM
Cromlich, was your primary care doc truly unfeeling, or was he just telling you the facts of the way things are in the medical field these days? Is this a case of shooting the messenger? Perhaps he was sympathizing with you and trying to help with explanations of the real world today.

I don't know, the whole world confuses me these days.
believe me, if you had been there you would know, it is his feelings

cromlich
03-14-2014, 01:18 PM
Unless the golf cart you were in was street legal, and has the required insurance policy, it doesn't have PIP. The PIP on a car you own only applies when you are occupying a vehicle required to be licensed for use on Florida highways. So it's questionable if there is any applicable PIP for a person injured while a passenger of a non street legal cart.
very interesting. I am sure to bring this up. Thank you.

JourneyOfLife
03-14-2014, 01:38 PM
I have never heard of that sort of thing before.


I just did a quick look. Apparently PIP is fairly new in FL.

It looks like an unintended consequence of the changes to the recent insurance legislation in FL.

The state legislature needs to pass legislation to require physicians to accept PIP... especially if the state requires PIP type coverage.

Indydealmaker
03-14-2014, 01:51 PM
They just won't be bothered. One of the gals in Leesburg who answered the phone was clearly distressed with the situation and wanted to help but the Ortho docs obviously have a pact to stand together on this one. I've gotten 3 different reasons as to why they refuse but I think it comes down to the fact that it is not quick and fast and they might have to do something unusual that takes time. I had even had a thought about suing until now and that would only to be to get the proper treatment. This is crazy. I guess I'm suppose to sit here in pain for the rest of my life because the attornies and docs don't want to be bothered.

Why not try to get a television news reporter interested in your situation?

sharonga
03-14-2014, 04:29 PM
Sometimes i feel like we moved to a different country. Things sure are different here.

cromlich
03-15-2014, 08:08 AM
Why not try to get a television news reporter interested in your situation?
I would love to but with all that is going on........still might do it. I encourage anyone to call any Ortho doc in the area and tell them you were in an accident and want to make an appointment....I know what the response will be......it's sad....so much for "caring" for people.

cromlich
03-15-2014, 08:10 AM
You are so right. My understanding when they enacted the law it was to make it easier for those in an accident with an uninsured to get medical help. Now none of us can....big blunder.

Indydealmaker
03-15-2014, 08:58 AM
I would love to but with all that is going on........still might do it. I encourage anyone to call any Ortho doc in the area and tell them you were in an accident and want to make an appointment....I know what the response will be......it's sad....so much for "caring" for people.

Contact one of our local state representatives and see if you can get them interested in spearheading change. Maybe a townhall meeting with the rep in attendance could get some media attention.

ilovetv
03-15-2014, 10:03 AM
The State of Florida Insurance Regulation Department is in place for this and other consumer problems. I would contact them immediately.

Here is a brief explanation of why there are consumer/victim problems with PIP cases. The rest of the page has excellent background on why PIP has been needed. As always, it's because of lawsuits by people who prefer to game the system and vote for a living or sue for a living instead of work for it. Then those who cannot work because they've been truly injured get the runaround that the o.p. has.

"....In recent years, the number of drivers and auto accidents has remained relatively constant, but the amount of PIP claims, and PIP payments has skyrocketed. The National Insurance Crime Bureau lists Florida as having several cities reporting the highest amount of “questionable claims” nationally. While PIP premium represents roughly two percent of Florida’s collected insurance premium, this issue accounts for nearly 50 percent of fraud referrals....."



http://www.floir.com/Sections/PandC/ProductReview/PIPInfo.aspx

JourneyOfLife
03-15-2014, 10:40 AM
IMO, the legislation is flawed.

If the injured is frustrated into not seeking treatment, who benefits?

For that matter... wonder who wrote the piece of legislation? Probably insurance company lobbyist!

DaleMN
03-15-2014, 10:20 PM
I'm skeptical. :doh:

JourneyOfLife
03-16-2014, 09:13 AM
Some probably will not even know about it unless they experience if first hand.


I am sure that Niezsche quote you sport on your signature line looks a lot more palatable philosophically than in reality.

rubicon
03-16-2014, 09:38 AM
The State of Florida Insurance Regulation Department is in place for this and other consumer problems. I would contact them immediately.

Here is a brief explanation of why there are consumer/victim problems with PIP cases. The rest of the page has excellent background on why PIP has been needed. As always, it's because of lawsuits by people who prefer to game the system and vote for a living or sue for a living instead of work for it. Then those who cannot work because they've been truly injured get the runaround that the o.p. has.

"....In recent years, the number of drivers and auto accidents has remained relatively constant, but the amount of PIP claims, and PIP payments has skyrocketed. The National Insurance Crime Bureau lists Florida as having several cities reporting the highest amount of “questionable claims” nationally. While PIP premium represents roughly two percent of Florida’s collected insurance premium, this issue accounts for nearly 50 percent of fraud referrals....."



</title> <style type="text/css"> .style1 { text-align: left; } </style> <script src="/siteTemplates/siteScripts/navlist.js" language="javascript" type="text/javascript"></script> <script src="/siteTemplates/siteScripts/SpryAccordion.js" language="jav (http://www.floir.com/Sections/PandC/ProductReview/PIPInfo.aspx)

NICB is a good organization and has uncovered many insurance fraud schemes. You are spot on.

Plaintiff attorneys utilize PIP to grease their liability claims. If you visit a plaintiff attorney about your claim and its value, the first thing the attorney is going to say is "tell the insurance company there is not enough money to compensate you for the pain and suffering you have undergone. This little bity rear end accident wrecked my life caused my divorce because the pain caused me to cheat on my wife, led to my taking drugs and losing my job and all my friends. In fact everything of a negative value that has occurred to me can be laid at the feet of this accident. since your insured was responsible I deserve to be compensated so well that I should never have to want for anything the rest of my life. Pardon, the damages to my car, cost me $300 to have it repaired boy the guy must have been going a zillion miles an hour...but sir, the car was parked, where you still in it?:D

Tweety Bird
03-16-2014, 11:45 AM
Would going to the Mayo Clinic help?

JP
03-16-2014, 01:46 PM
I'm skeptical. :doh:

Me too

rubicon
03-16-2014, 02:38 PM
Knowing the position of all parties involved would be beneficial because a medical facility does not just refuse treatment for no reason. something is going on here and without a full explanation of the facts involved we can only guess. This is a position I took on another PIP thread that referenced this thread

ahayward65
03-16-2014, 02:53 PM
I think it is the ER's responsiblity to set up an appointment with an ortho doctor. I just don't understand why this was not done. The longer you wait the more problems may develop with your knee.

cromlich
03-17-2014, 09:29 AM
I think it is the ER's responsiblity to set up an appointment with an ortho doctor. I just don't understand why this was not done. The longer you wait the more problems may develop with your knee.
you are so right. The ER , however, is aware of the problems we will have after leaving their care. It's terrible how we are treated during a very stressful time. It's made me feel less than a stray animal that got hit by a car. I think vets are more caring then our medical field out there.

cromlich
03-17-2014, 09:32 AM
Knowing the position of all parties involved would be beneficial because a medical facility does not just refuse treatment for no reason. something is going on here and without a full explanation of the facts involved we can only guess. This is a position I took on another PIP thread that referenced this thread
It looks like the Ortho docs have organized for the refusal of treatment. I don't understand at all why. I get mixed answers when I ? it. It is just down right sad and according to my PC doc it's going to get worse. They will be "cherry picking" their patients and if you have too many problems they won't keep you as a patient......these were words from a PC's mouth.

cromlich
03-29-2014, 07:04 AM
Did some detailed checking on TV Healthcare and was pleasantly surprised. Asked a million questions because of the problems I have had with the providers who refuse to treat because of PIP insurance. The gal we spoke with actually brough out a billing person who verified that they do accept PIP and were happy to help those of us unfortunate enough to end up in an accident. What a relief! Needless to say, we will be signing up with TV Healthcare. I had to go to Ocoee to get an Ortho doc to treat my hand, knee, ankle and shoulder (all injured in the wreck) I am so very please with Dr. Shuler in Ocoee and highly recommend him to anyone needing Ortho treatment. Such a kind demeanor! Knows what he is talking about and sincerely cares. Meanwhile for PCP it's back to TV Healthcare. Just wanted to update everyone and let you know that if you should ever be unfortunate enough to be in an accident it might be wise to be in TV Healthcare system. God bless them! :a040::a040: For those of you unfamiliar with my story I had to get an attorney to find me an Ortho doc in Central Florida. I use Ramsey Smathers and you could not ask for a more compassionate, caring legal office. Bless Dr. Shuler and Ramsey! You are a gift to those of us needing assistance. It took me 6 weeks after my injury to be seen by an Ortho doc and after being told by a PCP they are "cherry picking" patients and if we have too many issues and cause them to much time they won't be seeing us. Time for us to start our own "cherry picking".

Parker
03-29-2014, 07:56 AM
Cromlich, that is wonderful news! What a stressful time you've had, but it looks like help is on the way. Hope better days are ahead.

GatorFan
03-29-2014, 10:20 AM
I am so sorry you are going through this. After reading all the post it sounds like the insurance company accepted liability and has agreed to pay your medical bills. The problem is the medical field. Is the attorney you hired going after them or the insurance company who did nothing wrong? I hope everyone understands after reading your post that the bad guy here is not the insurance company but the medical field. Try calling Shands in Gainesville for help

ilovetv
03-29-2014, 10:52 AM
I don't think this problem is anywhere close to being all the fault of insurers or all the fault of the doctors who get dragged into court numerous times to sit there and wait for hours to testify about the medical record (unpaid for that time in which they could be seeing patients, doing surgery, treatments and evaluations), while their current patients and new ones are waiting weeks and months to get an office evaluation or surgical appointment.

Ambulance-chasing lawyers who milk the personal-injury lawsuit cow, and legislators who are lobbied by the three groups plus the public, have a lot to do with this mess, too:

"Florida PIP Laws Change…For The Worse
— April 1, 2013

Fifteen states in the U.S., including the District of Columbia, require Personal Injury Insurance (PIP), commonly called ‘no-fault insurance,’ for their licensed drivers. PIP was invented to help vehicle accident victims obtain medical care if injured in an accident and the “at fault” party had no bodily injury liability coverage and/or might fight over the issue of who was to blame for the accident.

Although Florida’s car insurance laws have been in place some thirty years now, Florida has unfortunately gained a reputation, especially in the past decade, for rampant vehicle insurance fraud. Attempting to stem this tide, or so it was claimed by the state’s legislatures, as of January 2013 Florida’s PIP regulations were changed in some very significant ways, and in the opinion of many, quite restrictive ways.

“It has never been a more dangerous time to drive in Florida,” David B. Pittman, Esq. of the Pittman Law Firm, P.L. of Bonita Springs, Florida warns over the new changes in the PIP statutes.

“As of January 1, 2013 PIP insurance is not bound to pay eighty percent of an injured victim medical bills and sixty percent of lost wages up to $10,000 as the insurance carriers were responsible to prior to the reform. Plus, now victims only have 14 days to receive initial medical care and only from certain physicians outlined in the new PIP statute or they can lose all $10,000 of PIP coverage.”

Also the brand new policy changes sees victims of accidents being restricted in what kind of care they might eventually be able to be covered for. In the case of physical therapy of chiropractic care-certainly two of the many areas where vehicle accident victims often seek relief, the patient must have a diagnosis of an emergency medical condition from “certain specified medical providers in order to receive benefits for physical therapy and a multitude of other rehabilitative medical specialists” Pittman says or PIP can refuse to pay over $2,500 for that medical care.

In fact as Pittman goes on to opine: “The restrictions and reform is so stringent and difficult to comply with that this insurance policy is completely contrary to its original purpose of insuring medical care coverage for those in an accident.”

So what is the common variety everyday driver in Florida to do to make sure they are covered sufficiently in light of these new statutes?

“The best possible thing is to purchase a sufficient amount of PIP coverage along with uninsured motorist’s coverage so that you can have some assurance of recovering medically after an accident.” Pittman advises.

Or Floridians might be able to count on astute judges fighting back......"

Florida PIP Laws Change (http://thelaw.tv/news/2013/04/01/florida-pip-laws-changefor-the-worse/)

cromlich
03-29-2014, 12:25 PM
I am so sorry you are going through this. After reading all the post it sounds like the insurance company accepted liability and has agreed to pay your medical bills. The problem is the medical field. Is the attorney you hired going after them or the insurance company who did nothing wrong? I hope everyone understands after reading your post that the bad guy here is not the insurance company but the medical field. Try calling Shands in Gainesville for help
You are so right. Unless someone has actually gone through this they could never understand how horrible this situation is. I cannot for the life of me understand how a doctor who has sworn to care for us as fellow human beings can be so heartless. Everyone wants to blame the attornies. I will tell you now that without an attorney I would still be out there trying to find a doctor who would take me. Now, if that is what has to be, it has to be. No one really wants to sue anyone. I know I didn't but I also know I needed care. I have to have surgery on my hand and would have never found someone to do that without getting an attorney. I am not blaming the insurance company. I am blaming our medical field. My doctor back home couldn't believe what I am going through. It's easy to take a side when someone is not involved but should it happen to those who are so critical then it's a different story. I'm just wanting to let all the wonderful people out there in TV understand what is going on. I was blindsided and would have loved to have someone given me a heads up. It's so sad we learn by experience too much of the time. I'm grateful for TV Healthcare system to know they are on the wrong track. Just take care of yourselves, everyone. We deserve to be treated better. I also have to consider knee surgery and possible ankle, neck and shoulder issues. One thing at a time!

cromlich
03-29-2014, 12:30 PM
Cromlich, that is wonderful news! What a stressful time you've had, but it looks like help is on the way. Hope better days are ahead.
Thank you, Parker!