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Personal Injury Protection: An Overview
The first step is understanding Massachusetts's personal injury protection (PIP) system.
PIP, as it is commonly known, is a system that provides insurance coverage for medical expenses and lost wages for individuals who are injured in an automobile accident, regardless of who is at fault. PIP is a no-fault system, which means that the injured person can make a claim against their own policy, even if they were not driving the car at the time of the accident.
PIP is mandatory in Massachusetts, so all drivers must have PIP coverage.
Every MA vehicle owner must, at minimum, purchase coverage for property damage and for personal injury protection. Medical care for people suffering injuries in car accidents is covered by up to $8,000.
Only the first $2,000 (of the $8,000) in benefits can be paid out if the injured operator has private health insurance. If the driver does not have private health insurance, the full $8,000 can be paid out.
How The System Hurts Medical Providers
One of the problems with PIP is that, as a no-fault system, it encourages people to seek medical treatment for their injuries, even if they don't require it. This results in increased insurance rates for consumers the cost isnt passed to the doctors or hospitals
Payment is required with in 30 days of receiving the bill. The problem is most payments are partially paid due to special down coding and other tactics utilized by the insurance company appearing to the provider as a proper reimbursement.
What's worse still is insurance companies are notorious for underpaying or simply not reimbursing claims. These missed revenue opportunities easily cost hospitals and health care professionals tens of thousands of dollars and in the case of large hospitals can reach millions in unreimbursed services each year.
How To Recover PIP Payments
Despite the challenges of the PIP system, there are ways to recover PIP payments from insurance companies.
Your medical practice can file paperwork with insurance agencies to recover unpaid or underpaid claims. It takes significant time and resources to follow up with the carriers, and it isn’t always cost-effective.
No matter is the billing is internal or outsourced the billing company is not a lawyer and doesn't have the ability to file a lawsuit on your behalf.
Additionally, most recovery firms only conduct research into claims from the past 12-24 months. MA state law allows claim disputes to go back as far as six years. Finding a company that can conduct an in-depth, longer lookback is essential for recovering more funds.
Your Best Solution for Recovering More Money
The PIP system in Massachusetts is far from perfect, but with a little knowledge and effort, you can recover payments from insurance companies. By understanding the process and working with a professional billing company, you can dramatically increase your revenue stream.
To offer a solution, we formed our PIP Recoveries service. Our personal injury protection (PIP) attorneys are experts in PIP claims. Ged Lawyers' attorneys review the files, submit the claims, obtain settlements, and take the claims to court if necessary.
No financial investment is requested from health care providers for any of this to happen. The insurance carriers pay our attorney's fees.
How Our Service Works
With Ged Lawyers, experienced professionals can process your PIP cases in a streamlined, transparent manner. Here’s what you can expect from start to finish:
Additional Benefits of Unique Process
Playing phone tag with insurance companies, litigating cases, conducting follow-up communications, and processing payouts take an office full of trained legal professionals.
Luckily for you, we provide all the staffing needed to recover unpaid or underpaid claims and build your revenue without hiring more staff.
In addition to saving you the paperwork and resource burden of recovering PIP claims, PIP Recoveries also offers the following unique benefits:
- We offer a FREE double-check audit for clients - even if you've worked with previous PIP recovery services. Our attorneys always find more money - so it's worth the time for you to try us!
- Every individual interacting with patient records is HIPAA-certified and receives training in government-mandated security protocols.
- Once a litigated case is settled, we send you 100% of recovered PIP claims - plus interest! The legal fees PIP Recoveries collects are 100% the insurance company's responsibility.
What do you have to lose by trying out our process? We are the sole service offering these benefits, so you can be sure your practice is in good hands.
Our Success Stories
In a typical medical practice, administrative staffers might remit claims to the health insurance carriers, then to the vehicle insurers, and eventually into collections.
The collections agency takes a cut from any reimbursement achieved. This is so time-intensive and cost-inefficient that some practices understandably find themselves building backlogs of unpaid bills.
We are glad to say we’ve relieved this pain point for numerous health care experts. Overall, our medical partners have recouped millions of dollars in unpaid PIP claims, without risking their own funds. In fact, these practices were able to abandon inefficient payment-seeking methods, dramatically increase revenue flow, and ultimately expand their services.
Here are just a few of the health care specialists we have supported, and their outcomes (names are generic to protect client privacy):
In these situations and others, health care professionals have regained funds they would have otherwise lost by deploying our recovery system to address recalcitrant insurance carriers.
This is the way our lawyers see it:
You’re always there when people need you, so the team at Ged Lawyers will do the same for your medical practice. We all do well by doing good and holding companies accountable under the law.
About Ged Lawyers
The legal team at Ged Lawyers brings 25 years of recovery experience to our clientele. Leading the team are attorneys C. Glen Ged and Marius J. (Marty) Ged.
Our team works through our Boca Raton headquarters and branches throughout the state. We are proficient in Massachusetts PIP claims and have recovered tens of millions of dollars in revenue for our partners in the healthcare industry.
Need more information about our offerings and outcomes? Visit and explore the Ged Lawyers website.
Ready to get started partnering with our firm? Contact Ged Lawyers for a free initial consultation. Our legal team will be pleased to get to know you and the needs of your practice.
If you prefer getting in touch by phone, we welcome your call at (561) 867-4765 or toll-free at 844-4GEDLAW.
