When an auto accident occurs, it's essential for the accident victim to get treated. Thankfully, there are ways to ensure that individuals who experience injuries from car collisions have coverage for their medical expenses.

One of the primary ways to get your expenses covered after a crash is through 3rd party billing.

If you're unfamiliar with that term, don't worry, most people are. In this guide, we'll explain more about 3rd party insurance claims and how you can benefit from them. Read on to discover more.

What Is 3rd Party Billing?

3rd party insurance doctor

One of the most common terms in insurance billing is third-party payer. It's a phrase that's defined as an organization—other than the healthcare provider or patient—that refunds and supervises health care expenses.

Examples of 3rd party billing payers include insurance companies, employer plans, and governmental payers like Medicare.

In this situation, the patient has a mutual agreement with the payer to refund the provider. In most cases, a healthcare provider that works with 3rd party insurance claim payers usually has an arrangement with them in order to receive funds.

What's the Purpose of Medical 3rd Party Billing?

There are numerous advantages of 3rd party bill pay that has led most medical specialists, doctors, and clinics towards 3rd party billing.

Not only does it save money, but also helps to prevent patients from receiving incorrect billing with payment errors.

Outsourcing is a well-established concept. However, 3rd party insurance claim billing requires a lot of skill. Unfortunately, if the 3rd party billing provider doesn't have skilled manpower, then the payer will likely send numerous bills with lots of mistakes.

On the other hand, if the 3rd party billing agency is an efficient, experienced organization, it's beneficial for all parties involved.

Third Party vs First Party? What's the Difference?

When it comes to accident claims, first party billing is performed through your personal auto insurance provider like Geico or State Farm. This scenario also includes Med pay or PIP, also known as personal injury protection.

The chiropractor reaches out to your insurance provider and bills them directly.

If the healthcare services extend past the amount of medical insurance coverage, the chiropractor has to work on a medical lien. Insurance providers don't have to pay for healthcare expenses exceeding the benefit amount.

Most likely if there are medical costs beyond the benefit amount, it's typically the responsibility of the third-party insurance company.

3rd Party Insurance Claims: Which Physicians Accept It?

Most medical providers who accept 3rd party billing aren't medical doctors. Physicians who accept auto insurance, PIP, or LOPs are usually chiropractors, like Virginia Accident Doctors.

Chiropractic treatment is one of the most effective forms of therapy for automobile injuries. Chiropractors use hands-on spinal manipulation and deep muscle massages to promote healing.  Not to mention, they treat the majority of vehicle collision injuries in America.

To qualify for 3rd party insurance claim funds, the following must occur:

  • You were hurt
  • You were not at-fault for the accident
  • You were a passenger in another person's vehicle
  • You were driving an employer vehicle that was involved in a collision

Understand Your Insurance

auto accident chiropractor

The majority of individuals don't become familiar with Med Pay or PIP unless they're involved in an accident.

With that said, it's best to know what kind of insurance you have and what it covers prior to being in a car crash. You never want to wait until you are hurt and require medical attention to look into your benefits.

Med Pay works by supplementing your healthcare expenses if you are injured in an accident. It covers you up to the amount that you specify at minimal expenses. Thankfully, you don't have to completely rely on third party insurance to handle your medical costs after you've been injured in a car accident.

Sadly, the majority of insurance agents won't tell accident victims about Med Pay because they're not paid a commission to offer these plans. So, it's a good idea to reach out to your auto insurance provider for more details about Med Pay. 

The agent might discourage you from getting Med Pay, since they're likely not compensated for providing it to you. Your insurance rep will likely direct you towards other coverage options before offering Med Pay, so be sure to ask about it!

3rd Party Billing: The Details

A physician who is willing to accept 3rd party billing is usually fine with providing medical treatment and waiting for payment until a later date. Third party insurance claims include any funds paid through auto insurance companies, NO Fault, PIP, or a Letter of Protection from an attorney. Chiropractors normally collect these payments when medical treatment is done and the personal injury claim is closed.

For the most part, primary care doctors won't accept third party billing claims, so it's best to see a chiropractor instead. Plus, if you live in a PIP state, it's easier to locate physicians who are willing to do third party billing.

If you're in Arlington, VA you can rest-assured that Virginia Accident Doctors will be there for you in your time of need—even if you have an accident claim.

Third Party Billing Arlington, VA

car accident doctor

If you've been injured and you need chiropractic services in Arlington, Virginia, Jefferson Spine and Injury Center can help.

We treat a variety of auto accident injury conditions like back pain, whiplash, shoulder pain, sciatica, and more. 

Also, our practice accepts all accident insurance claims that include first party coverage. All you have to do is show us your auto accident injury claim number, and we'll be sure to take care of you. Schedule a Free Injury Evaluation by clicking the button below.

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Dr. Holcombe

Written by Dr. Holcombe