No one every wants to think about what to do if they are ever involved in a Motor Vehicle Accident, whether they’re at fault or not; but our office is equipped to make your whole experience with your insurance company and your rehabilitative treatment more comfortable, if not enjoyable.
Once you’ve been involved in a car accident it is time to book in for a full 1 hour exam with the chiropractor of your choice. You may not think you’ve sustained injuries, but this is a “Better safe than sorry” instance. It is recommended that you have your examination within 10 days of your accident. You will be asked to arrive at least 15 minutes early for this appointment, whether you are an existing patient or not, in order to fill in insurance reports (AB1 Form), that we provide you with and upon their completion, we will send them out to your insurance adjuster. Your chiropractor will advise you on the severity of your injury and recommend a treatment plan for you based on the findings of your exam. Direct billing to your motor vehicle accident insurance company will be provided in most, if not all, cases.
Information you will need for filling out your AB1 Form:
- Insurance company;
- Policy number;
- Claim number;
- Health claim adjuster name;
- Health claim adjuster phone number;
- Health claim adjuster fax number;
- Health claim adjuster email address (optional).
If your injury is classed as WAD I, your coverage is for 1-examination followed by 7 treatments (which can include chiropractic, physiotherapy or registered massage therapy).
If your injury is classed as WAD II, your coverage is for 1-examination followed by 21 treatments (which can include chiropractic, physiotherapy or registered massage therapy). These treatments must be completed within 90 days of your Accident Date. It is recommended that your last treatment be with whoever initially performed the examination so that your AB4 report will be as accurate as possible.
In the case that your injuries have not been fully resolved during the 90 days following your accident, your practitioner may request additional treatment (Section B). If you have personal extended health care, this further treatment will need to be billed to that company first, at which point anything your extended health care will not cover should be covered by the motor vehicle accident insurance up to a maximum of $750 for chiropractic treatment and $250 for registered massage therapy. If you have exhausted your extended health care, your claim adjuster will require a copy of the statement explaining that you no longer have coverage available for the services being submitted for reimbursement – if you provide a copy of this to our office, we are happy to send it to your adjuster for you – at which point direct billing to your motor vehicle insurance should be available.
I was not at fault, why is my treatment going through my insurance company?
Unfortunately protocol states that your injury treatment will go through your insurance company – if you are not at fault, your insurance company may contact the accident “instigator” in future regarding your treatment.
What if my exam is after the 10 day period following my motor vehicle accident?Usually your Health Claims adjuster will make allowances depending on the situation, and your examination will still be covered. Technically you have 2 years from your accident date to report injuries you attribute to the accident.
How long should my appointments be?
Your appointment duration depends on what your doctor/practitioner recommends – Alberta motor vehicle accident protocols will cover $83 for the first 7 chiropractic treatments and $41 for any treatments after that point within the 90 day period following the accident. At our office this means you can book up to 40 minutes for the first 7 chiropractic treatments, and 20 minutes for the remainder. An important thing to note is that if you partake in other therapies between your chiropractic treatments such as physiotherapy or massage therapy, these other therapies count towards the first 7 treatments.
Massage therapy treatments do not have a maximum dollar amount (within reason), and thus you may choose to book 30, 60 or 90 minute appointments at our clinic. Your therapist may recommend a particular appointment time based on your condition.
What is the cancellation policy?
Our office requires at least 24 hours’ notice in order to cancel or move an appointment without penalty. You may cancel online, email our office or leave a voice message.
Direct billing is not available for missed Motor Vehicle Accident appointments and you as the patient will be responsible for paying the full value of any missed appointments whether for chiropractic or massage treatment.
At the Centre for Chiropractic and Sports Rehabilitation we do our best to answer any and all questions you may have regarding the process associated with your Motor Vehicle Accident. We know that it can be stressful to deal with insurance companies and will help you to contact your adjuster and figure out your coverage.
The maximum amount of coverage for Section B:
– Chiropractic Treatment is: $750
– Registered Massage Therapy is: $250
At CCSR we take you through all of this (often confusing), process. We will let you know what information you need to get from your insurance company, when to have forms ready to submit and will help you in any way that we can to make the process as easy as possible.