Loved your little saying from the friends dad.

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PostPosted: Thu Dec 13, 2007 1:45 pm   Post subject: Silly me!  

Lori,

Silly me! I found that quote online, didn't think of looking over my policy

DUH! See! thats why you are such a helpful gift!

Indeed I checked out my policy and it reads word for word what I posted about the exclusion.

We find out my sons results today, WE really are hoping for the best!

I wonder why my insurance company never mentioned anything about that? We filed medical claims with our insurance seems weird they would not tell us that the limited tort rule is out the window in this case? Oh well!

Just more paperwork I guess.



Loved your little saying from the friends dad... step on toes.. step on your heart.. SO VERY TRUE! I hope you don't mind I will be using that expression? Have a fantastic day!

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PostPosted: Mon Dec 17, 2007 11:28 am   Post subject: My son  

Happy Monday everyone. I hope all is doing well. Something "abnormal" showed up on my son's MRI We didn't find that out until late Friday. Today we will be making an appointment to take him to find out what this is. They did say its none life threatening But wanted us to come in to talk about.

Haven't had much time to deal with the insurance this past week. I did put a call into the other drivers insurance adjuster we were assigned, left a message for her to call me back she never did. I don't have time to be calling her everyday leave messages and play phone tag, so I suppose I will deal with her after all this medical stuff is resolved..... Which is the #1 priority. Just an update! Hope you all have a wonderful week and a Fantastic holiday!

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PostPosted: Mon Dec 17, 2007 12:45 pm   Post subject:   

Quote:
Something "abnormal" showed up on my son's MRI
You're in my thoughts and prayers Janice, let us know...of course this is the priority! I'm sure it will be fine...(mama to mama I know the worry)....we anxiously await the report!
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PostPosted: Fri Dec 28, 2007 12:46 pm   Post subject:   

G'morning. I hope everyone enjoyed lovely holidays and I hope this New Year is wonderful for you.



My sons back condition is something that could have been pre-exisiting but they aren't sure? He never experienced back pain before the AA He is now wearing a back brace and doing physical therapy 3x's a week, This is actually helping him, we are pleased with his progress. We are consulting with a lawyer to make sure that anything that he needs WILL be taken care of.

I once again thank you all for your help in this matter.. which I hope will be coming to a close soon. Again Lori Thanks for all the help!

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PostPosted: Fri Dec 28, 2007 10:03 pm   Post subject:   

SO GLAD TO HEAR YOUR BOY IS BEING HELPED! Thanks for letting us know...I think an attorney is a good choice in this claim....best of luck to you and your family Janice...I too have a back brace I had to wear non-stop for about six months and still have to wear on occasion....Hopefully since your son is young and strong he will have a full recovery...pop in from time to time and let us know how you all are doing...or anything that we can help you with....Hope your holidays were terrific and an even better New Year to you as well....



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PostPosted: Sat Dec 29, 2007 12:01 pm   Post subject:   

That is great news janice that you are getting some good results, hopefully everything will go on a positive path with the physical therapy. I have a brace that I wear on occasion, when my back goes out, I don't over use it, you will have to be careful in the long run with it, my orthopedic doctor cautions that if I use it everyday, my back muscles will get lazy, so after he is done with physical therapy, you may want to address how often he should wear it for the long term, what ever you do, don't throw it away when he is done, as you can see by Lori and I there are days that it will have its use. Goodluck with everything, it is good you got an attorney involved, hope you continue to get the positive results. Have a great new year.

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PostPosted: Mon Jan 28, 2008 4:46 pm   Post subject: Just an update  

Hi Everyone, hope all is doing well. Thank you again for all your help!

We are all in the middle of healing from this silly accident. My son now is still going for PT 3x's a week. He had a pre-existing back problem we had no idea about before the accident, who would have thunk it? HIS own insurance is picking up the bills, he has 5000.00 on medical on his OWN car insurance. He secured a lawyer this is just too complicated to handle without a lawyer even though I cringe at the thought of having one.

It seems its going to be a long and dragged out process, but as long as he's on the mend we are glad. Trust me heart broke hit major when I realized my son could not keep up with my pace as we were walking.... You just never know! I do have a question regarding bill pay. Up until just this past week, his insurance company was sending checks directly to the providers who were caring for him...he recieved a check in the mail to cover what the insurance company allows for one of his appointments.... He called his insurance company and they told him to just give the check to the doctor. Is there a reason why suddenly they'd start sending him the checks instead of the care providers? I will probably put a call into the lawyer too.. but was wondering if anyone could shed some light on that? I'm afraid if he endorses any checks it might not be a good thing? You know any feedback is greatly appreciated! Take care. Peace!

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PostPosted: Mon Jan 28, 2008 10:48 pm   Post subject:   

Hi! Great to hear from you! If it makes you feel better you could return it and tell the adjuster you want the doc paid direct...but it should show the coverage on the draft, likley pip or medpay...I'll bet another rep was setting that desk or helping and got lazy and paid him direct (thus not having to look up the fed tax number for the doc!...aghhh...lazy people!)...but if you are concerned, just tell them you are sending it back and they can pay the doc direct....(personally I wouldn't worry about it:)

Please keep us up dated!



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PostPosted: Thu Jan 31, 2008 2:28 am   Post subject: Thanks  

Thanks Lori! Nice to have your advice again. Hope all is well with you.

Lazy people.. hehe. gotta luv it. Wonder what would happen if I did my job like that?

take care.

Peace!

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PostPosted: Thu Mar 06, 2008 11:42 am   Post subject: Morning all!  

I hope this post finds everyone doing well. Couple Q's First question. I know you guys answer a lot of questions in this forum and I'm sure its hard to remember each and every one you do reply to.. So I'll remind you a little. We were involved in a rear end accident where we were struck from behind at a red light, my son was injured the worse in the accident he's been going thru physical therapy and it has helped, but he's not regained his ability to walk long distances or stand for more then a little bit at a time. My first question.... My sons doctor offered a shot that he gets directly into the spine, kind of like the one you get during child birth...that will help with some of the pain while he's recovering. Did anyone ever get one of these? and was it helpful with the pain. He has a L5 injury. I know all the risks which doesn't seem to be too bad.. But I don't see any point in getting the shot and putting him at risk for ANYTHING unless it really works. So anyone sharing their experience with this would be greatly appreciated! my last question is..... My son switched doctors for no other reason then, the doc he had was a little older and was getting ready to retire he was not very cutting edge kind of old fashion (not that anything is wrong with that!) BUT... he was told that the insurace company (his own car insurance because this is PIP) called the doc's office before he even had his first visit with the ortho and put a little pressure on them.. telling them to treat him aggressively. What gives the insurance company the right to tell his own doctor how to treat him before he even met the patient? we found this VERY STRANGE! is it "normal" practice for an insurance adjuster to contact a docs office and tell them how to treat a patient? I'm concerned because I don't want my sons care compromised because an insurance company decides they are worried about paying out too much of his own PIP? as i'm typing this it seems insane... but its what happend! We have very good personal insurance.. and we would have NO PROBLEMO sticking it on our own medical insurance.. but I already know that if you tell them its an claim from a car accident they will not pay unless all other insurances are exhausted.... ugh.. very frustrated!

Thanks again a head of time for any great advice given! Take care

Peace!

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PostPosted: Thu Mar 06, 2008 11:53 am   Post subject:   

Good morning Janice, great to hear from you!



Re; the epideral (dont' know if i spelled that right) I personally have really bad neck/and upper back trouble, it did not work out for me...HOWEVER, everyone I know that has had an epideral for lower back pain has been thrilled with the outcome!



''Agressively treat'' your son? What does that mean 'agressively'? Really I don't understand that term, does it just mean do whatever you can or what? I'd be pissed about that too...unless all they were trying to get across was that they would pay pretty much whatever...?... I'm sorry I don't understand what that means....explain that to me if you would Janice....



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PostPosted: Thu Mar 06, 2008 12:28 pm   Post subject: Hi!  

Hi Lori!





I would explain the term "treat aggresively" If I knew what they meant?! Thats why I asked the forum? I want them to treat him with the best care possible. The doctor himself was unsure what the adjuster meant. But he did say in response to her request that he hasn't even met the patient yet and that he would treat him the way my son needs to be treated regardless of what any insurance adjuster says. The reason why the doctor met with us before treating my son was because he was baffled by the insurance company telling him this himself. So I guess as long as we are moving in the right direction with his therapy and he's getting better we will not worry about a small detail like what she meant by "treat aggressively" .



Thanks for sharing about your experience with the shot, we also had mixed reviews from people we have asked that we know. It seems it goes VERY WELL, or doesn't work at all. He's so up in the air about it because he doesn't want to have a shot in his spine unless it is helpful and it seems there is no way of knowing that unless he actually does it. His physical therapist says NOPE doesn't suggest it. Doc says may work may not? Do you see the gray hairs forming as I type this? I just want him to have some releif! will let you know what he decides and how it goes ifin he does get it.



Thanks again! will let you know.



J.

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PostPosted: Thu Mar 06, 2008 12:33 pm   Post subject:   

Quote:
His physical therapist says NOPE doesn't suggest it. Doc says may work may not? Do you see the gray hairs forming as I type this? I just want him to have some releif! will let you know what he decides and how it goes ifin he does get it.


Keep in mind the two different 'diciplines' at work here...a physical therapist would rarely ever agree to anything invassive at all (dang it I wish my spell check would work Rolling Eyes ) Were this my son, and was suffering, the risk factors (as I understand them) are pretty low, it would likely be 'worth a shot' (pun intended) to me...let us know...also I think were it me I might ask that adjuster directly, what the heck does this mean? and why did you call the doc and say that?


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PostPosted: Thu Mar 06, 2008 2:14 pm   Post subject:   

Thank you so much again! I am leaning in the direction for him to get the shot and have been telling him he needs to be proactive in his recovery DO WHAT YOU NEED TO IN ORDER FOR YOU TO HAVE RELIEF. But he's a bit nervous and scared he is on the young side being 18 and to experience the problems he has I understand him being so scared. And you know everyone you talk to has a story to tell or in some cases nightmare stories. Anyway, I will share with him your experience with the shot.

as far as the adjuster, indeed my knee jerk reaction in any other circumstance would be to call her and say "HEY WHY ARE YOU DOING THIS?" But my son has a lawyer, so the lawyer was informed of what happened he said something about it being against the law for an adjuster to do that.. something about discrimination blah blah and he said he would send a letter out to the adjuster , so its in his hands. I did recieve a copy of the letter he sent and it was basically asking what was my sons PIP limits and would the adjuster please contact him to let him know these limits directly... So my guess is he plans on finding out why she did this when speaking to her? But we have not heard anything back from him....Luckily in this case having him on seems to be the "right" thing I don't think I could handle all the legal issues and apparently its more involved then I would have imagined. I will let you know what happens in both cases the shot and the adjuster. have a great one!

J.

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PostPosted: Thu Mar 06, 2008 2:44 pm   Post subject:   

I forgot your boy was atty rep'd...yes, you all should have zero contact with the adjuster directly in that case....weird...i've never heard of an adjuster doing such a thing...hmmmmm....



re: the injections, it's very scary, but really haven't ever heard anyone say that the pain was all that bad...(my experience we won't go into and really doesn't apply there was/is not enough room between my vertibra for the needle no discs really left...so what i experienced per the doc was 1 in 10k or better...another one of those horror stories but really doesn't apply to your son's condition)....my aunt has three of these a year, and swears by them! (her trouble is lower back as well) I also personally know five others (same low back trouble) all are thrilled with the outcome...good luck and let us know....



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