Insurance Company Question!!!!?

-ok soo i was involved in an accident that wasnt my fault and i ended up dislocating my elbow. Soo i go to therapy 3 times a week and my health insurance is paying it so far but are going to stop in a couple of visits. Soo the doctor told me i need 8 more weeks of therapy and the health insurance company is not going to end up paying those full 8 weeks. i told the car insurance company and they said that i have to pay it then they will remburst me for the money i paid. The problem is that i cant afford what the therapy is asking and i dont know what to do. What should i do? and also dont tell me stop going to therapy because i need it very much as my arm is only 18 degrees extension. THANKS!!!If it was not your fault and the at fault party has insurance you need to go to an attorney. The attorney should be able to get you all your medical bills paid plus pain and suffering plus pay all your attorney bills and you should be out no money (depending on whether or not the other party's limits are adequate). I am surprised your health carrier hasn't gone after the other party as they could recoup what they have paid you against them.
If you are sure that the insurance will reimburse you, then borrow the money from someone to pay for the therapy, and pay back the person with the reimbursement when you get it.
1. Make sure you are dealing with the auto insurance company of the person who hit you because they are liable (unless you live in a no fault state).



2. Get a copy of all the bills that you health insurance company has already paid, make 3 copies of them, and send all of them to the claims person you've been working with at the liable auto insurer. This auto insurer is liable for *ALL* of these bills including your copay and it doesn't matter that your health insurance policy has already paid it. You get to keep this money, yes it is *free money*.



3. Check your car insurance and see if you have 'medpay' coverage. If you're not sure call your insurance agent or auto insurance company. If you have it then submit the 2nd copy of the bills to your auto insurer because they are liable up to the limit of your medpay coverage. Yes this is *free money* too.



4. The car insurance company is also potentially liable for any travel costs to the appointment (might be $0.51 per mile) and any lost wages from work time you may have missed for treatment. This would be true for your policy's medpay as well.



5. Once your health insurance company stops paying the bill coordinate between the claims adjuster and the medical provider to have them mail the bill directly to the auto insurance company.



6. Continue to file claims under your Medpay as well.



7. If the auto insurer gives you any more crap consider lawyering up or start talking about how the therapy really helps with your soar neck. They can not require you to pay out of pocket first.