[jojo]

After you learned of the problem being treated by your physician, did you consider an Urgent Care Center or an Emergency Room?

[Boomer]

Originally Posted by Paper1

Thank you for support Gracie. I’m still trying to get an appointment with orthopedic but no luck in day 5. If it wasn’t so unbelievably it would be humorous. I am most disappointed with FHVC whom my primary care doctor works for. They kicked me to curb like an empty beer can when I told them an automobile was involved. They don’t deal with Florida no fault and I kind of understand that but turning down a hurt, existing patient I struggle with.

Originally Posted by jojo

After you learned of the problem being treated by your physician, did you consider an Urgent Care Center or an Emergency Room?

jojo, I agree with your comment.


Paper1, you are now a few days after the accident. You know you have a broken bone, and you might be noticing other things about how you feel. Please consider what jojo asked about here.

Also, please go to Google and type in the words that follow: PIP Florida 14 day rule

Doing such a search is easy and will give you a lot of information on what you are facing.

The Medicare link I gave you earlier says that doctors may bill Medicare after 120 days of not being paid by the no-fault coverage. Medicare payment under this situation could be conditional. (You might want to revisit the Medicare link I gave you in my earlier post here.)

(I understand that doctors have bills to pay, too, but what a mess this is, all around. -- This morning on CBS, I saw that there is a teacher shortage in Florida. (probably other places, too) I get that. -- I have been wondering for a while how long it will be before nobody wants to be a doctor. -- But I digress.)

Anyway --

Insurance lobbies are powerful. The law is nuanced. Please educate yourself on what you are tangled in with insurance.

But --

Please, please prioritize taking care of your health.

I wish you well.

[jnieman]

Also have you considered calling a lawyer? If you do maybe they could refer you to an accident injury doctor. I see plenty of these lawyers on T.V.

[Paper1]

An update to let those who responded to my post. I went to Urgentcare 441 today. Had additional X-rays taken and got a referral to an orthopedic. Do not have an appointment in hand yet but encouraged. After my experience I would encourage anyone who reads this to check with their primary care physician and make sure they will take care of you if you are in a car, golf cart, or bicycle accident and fall under Florida’s no fault law. It is a disaster, IMHO.

[John_W]

Let me see if I have this correct. Your health plan wouldn't pay for follow-up care or allow you to see a specialist because they wanted your car insurance to cover those costs because we are a no-fault state? However, you were on a bicycle and not in your car, what if you didn't even own a car or have car insurance?

I don't see how if you were admitted to a medical facility and you show your insurance card, the staff wouldn't handle you. I have the United Health Villages plan and I had no problem seeing specialist. I've been to a pulmonary specialist after I had pneumonia in 2016. I had no problem seeing an iconologist after a cat-scan showed lymphoma spots in 2018. Of course none of these occured while I was involved in an accident, but were outside my normal preventive care provided by TV Medical centers.

[retiredguy123]

I think that something is missing from the premise of this thread. So, a person injured in an auto accident cannot use their regular insurance card to be treated, but, if they are injured in their kitchen, they can get treated? Is that the way it works? I am skeptical about that.

[Paper1]

Originally Posted by retiredguy123

I think that something is missing from the premise of this thread. So, a person injured in an auto accident cannot use their regular insurance card to be treated, but, if they are injured in their kitchen, they can get treated? Is that the way it works? I am skeptical about that.

I know it sounds bizarre but that is part of no fault Florida insurance. Look at your auto policy and find PIP coverage you are paying for. That is for you. The logic of why my bicycle got involved with my auto coverage escapes me. Again check with your own primary care provider, they may work with no fault. Maybe it is only my primary care? I have Medicare and a UHC supplement but my auto insurance is on hook first regardless of who is at fault. Not sure how they square things.

[Carla B]

As I said in a prior post, the same thing happened to someone involved in a golf-cart accident. When you have an injury the first thing the health provider wants to know is where the injury happened. If it was in your home, fine, Medicare will cover it. If not, then they will look to someone else for coverage before Medicare steps in.