The no-fault law requires insurers to pay for all "reasonably necessary products, services, and accommodations for an injured person's care, recovery, or rehabilitation" if the injured person was injured in a motor vehicle accident. Presently, these are lifetime benefits and are unlimited in terms of dollars and duration of treatment.
The No-Fault Act and Healthcare Providers
As a medical provider, you may charge and the insurer must pay a "reasonable amount." This reasonable amount is not limited to the fee scheduled set up under Medicaid of Workmans' Compensation, or the amount the provider accepts from these other payors. As long as your services are reasonably necessary and your bills are reasonable, there is no reason why you should not be paid.
Michigan law provides that service providers may sue a no-fault carrier for failure to reimburse them and can enforce the penalty provisions contained in the no-fault act for interest and attorneys fees. This means that in the appropriate circumstances you can be reimbursed your full charges plus no-fault penalties. These penalties can add up quickly and sometimes add up to more than the actual charges!
However, providers must act fast to protect their rights within the deadlines imposed by the No-Fault Act. First, the the provider must provide notice to the insurer within one year of the accident. Second, even if timely notice is given, a lawsuit can only obtain benefits for services incurred within one year of the filing of the lawsuit. Because of these deadlines, it is very important for providers to notify all insurer as soon as possible. If you fail to notify the insurer, your claim may be barred permanently.
We represent providers in courts everyday, including:
- Major Hospitals
- Surgical Centers
- Physical Therapy Centers
- Private Physician Practices
- MRI and Imagining Providers
- Numerous Other Providers
Whether the provider is a big hospital or surgical center; or a private practice doctor or physical therapy center, we aggressively pursue our clients' right to payment for services rendered. If you have outstanding bills that have not been paid you should act now to protect your rights.