Did you know you can save $10,000 by doing this one simple thing?
If you are a Florida resident and are in an auto accident you only have 14 days to be seen by a healthcare provider, or you lose your $10,000 of medical coverage.
You see, as Florida residents we are required by law to pay for and carry $10,000 of PIP coverage. That stands for personal injury protection and is used to cover evaluation and treatment of your auto injuries.
But what most people don’t realize is that on January 1, 2013 the law changed, and it states that if you don’t get checked in 14 days you’re out of luck. Whereas, if your auto accident happened before 1/1/13, you could come in weeks or months afterwards and still be covered.
We recently had a 17-year-old boy come to our office with headaches and dizziness. He did not even attribute it to the car crash he was in 3 weeks earlier because the symptoms didn’t start until days later.
Fortunately, we were able to help him recover. Unfortunately, he was a few days past the deadline, which his parents were not aware of, and he had no coverage.
That’s right, the $10,000 in PIP coverage that you pay good money for just disappears if you go past 14 days before coming in to get checked.
That leaves you with having to use your health insurance, which these days typically has a high deductible (we’ve seen $5,000, $10,000 or higher). Or if the accident was not your fault, you get to hire an attorney to see if they can get your medical bills paid.
Some people feel pain right after an auto accident, but often times symptoms may be delayed for several days.
The symptoms of whiplash and other auto injuries can include:
- Neck pain and stiffness
- Jaw pain
- Upper and mid back pain
- Shoulder and arm pain
- Numbness and tingling
- Low back pain
- Ringing in the ears
- Blurred vision
- Memory loss and difficulty concentrating
- Nervousness and irritability
So what are treatment options? Well there are pain killers, anti-inflammatory drugs and muscle relaxers for symptom relief but that does not actually heal the injured areas.
After treating thousands of patients over the past 30 years, we have found that the most effective treatment for whiplash and other auto injuries include:
1. Using a cold laser to reduce pain and inflammation, and enhance microcirculation to promote healing.
2. Active Release Techniques, which is a type of myofascial release or manual therapy, to reduce pain producing myofascial trigger points, adhesions and fibrous tissue, and to restore muscular balance.
3. Gentle chiropractic adjustments to restore normal joint function and movement. We use manual spinal manipulation or a computerized instrument called the Impulse.
4. Physical therapy functional training exercises and vibration training to improve strength, flexibility and balance.
5. Nutritional supplementation, such as Magnesium, EPA/DHA, and various herbal remedies to help support recovery and aid the healing process.
So if you have been in an auto accident or have any of the above symptoms and would like to be checked, give us a call. We would love to help.
Yours for optimal health,
Dr. Tom Rofrano
P.S. And remember that 14 day rule, it could save you $10,000!