If I was in a not at fault car accident and I have an hmo health insurance,why is my Dr. demanding I do a L.O.P.?

Asked 4 months ago - Tampa, FL

If I was in a not at fault car accident and I have an health insurance,why is my Dr. demanding I do a Letter of protection?The Dr. is actually listed in my health insurance provider book but once they heard I have an attorney they switched from taking my health insurance to L.o.p.I heard its because they will charge like $80,000 for my surgery instead of getting paid by the contract rate by the health insurance company of $2200.Isnt there some sort of ethics that they cant rip off people.Is this fraud?My health insurance company said even if its a auto accident,all insurances will pay and that you have to pay them back at their rate when doing subrogation.ALso what if an attorney is allowing this too happen to clients?Is it malpractice on there part?

Attorney answers (9)

  1. John Michael Phillips

    Contributor Level 19

    13

    Lawyers agree

    Answered . You control who you see, not your lawyer. You should make decisions with informed consent from your lawyer and doctors. That said, this is an answer that requires us to know more about the individual situation and since you are represented, you should have that conversation with the lawyer you are paying.

    Our office accepts clients off of Avvo, but this initial impression is not protected by any privilege, is not... more
  2. Alyson Marie George

    Contributor Level 13

    13

    Lawyers agree

    Answered . You can choose a different doctor. If they are in network, they should bill health insurance. Many providers require an LOP for the co-pay, deductible, or co insurance. You need to clarify with the doctors office that they will bill your insurance and that the LOP is for your out of pocket portion only. The LOP itself should specify. You can also clarify this with your attorney. That is what they are there for. Best of luck to you.

    Although I am happy to give my opinion freely based on my knowledge, experience, and training as a personal injury... more
  3. Don Paul Harvey

    Pro

    Contributor Level 15

    10

    Lawyers agree

    Answered . As indicated by others, you have total control over your case. Your attorney is there to advise and counsel you. LOP's are pretty standard, and yes, most of the time they go towards deductibles/co-pays, etc. You probably should clarify things with the doctors and your attorney and get the medical attention it sounds like you need.

  4. Kim Michael Cullen

    Contributor Level 12

    9

    Lawyers agree

    Answered . Unfortunately, this issue is arising more and more in car accident cases, and there is no easy solution. Whether your doctor's office can refuse to accept your insurance, and charge you "retail" probably depends upon what his managed care contract with your group health carrier says. Even if the contract allows the doctor to reject your insurance, I would think that your group health carrier would want to know this, and it may cause them to end their relationship with this doctor.

    If you don't like the way you are being treated by this doctor's office, perhaps seeking a second opinion from a more cooperative doctor's office is in order? Is there any permanently tying you to this doctor's office.

    Your health insurance people are correct - you do have to reimburse them for any accident-related expenses they pay. However, it is obviously a better deal for you to pay back your group health carrier for what they've paid under a managed care contract, versus paying back the doctor's office for the "retail" price of the procedure. Even though the "retail" price is very negotiable, the doctor's office must feel like they have a better chance of netting more by dealing with you, rather than accepting the rate under their managed care contract. (Maybe they should have negotiated a better deal with the insurance company up front?)

    Other than changing doctors, there isn't going to be much your attorney is going to be able to do other than attempt to negotiate your bill in advance of the procedure, or negotiate the bill after you receive a settlement offer or jury verdict.

    It probably doesn't make you feel any better, but you are not alone on this. This is an increasing problem for accident victims across Florida.

    I am licensed to practice in law in Florida, only. Any information or insight that I provide for scenarios... more
  5. Mark Theodore Tischhauser

    Pro

    Contributor Level 18

    9

    Lawyers agree

    Answered . You need to address this with the attorney that you have handling the case. As to the medical care/surgery issue, if you don't want to provide LOP and insist on submission to health insurance, simply find a doctor on your plan that will do the surgery and tell lawyer you want to go there. In either event you should discuss with your lawyer as the testimony of the doctor and his willingness cooperate may have a drastic impact on your legal case. As to the not billing insurance, IF YOUDONT TREAT WITH THAT DOCTOR, talk to your lawyer about filing complaint with insurance company and the board of medicine as there are contracts for health insurance that require doctors to accept health insurance payments.

  6. Wayne William Bilsky

    Pro

    Contributor Level 13

    8

    Lawyers agree

    Answered . This is all your decision. You can choose to have whatever treatment options are available. Make the best choice you can. An experienced accident attorney should be able to give you choices and options that hopefully will work with what you are trying to accomplish. Whatever you decide, I hope you get the medical treatment that you need and I hope this was helpful. It is important to use an experienced accident attorney in the Central Florida area to help you.

  7. Clifford M. Miller

    Pro

    Contributor Level 18

    8

    Lawyers agree

    Answered . Whether your doctor is bound to accept you as an HMO patient is governed first by his contract with your insurance company. Some doctors also reject Medicare in this situation and try to collect on larger bills through the tort settlement. Practically, I suggest you do not worry about that, and just switch doctors.

    If you think your lawyers are involved in some overbilling scheme, first talk to them, and if you are still convinced, just get a new lawyer.

    This is a summary based on incomplete facts. You should not rely on it as legal advise. No attorney-client... more
  8. Christian K. Lassen II

    Pro

    Contributor Level 20

    6

    Lawyers agree

    Answered . You are the master of your own destiny.......

  9. L. Vincent Ramunno

    Contributor Level 14

    2

    Lawyers agree

    Answered . Letters of protection (LOP's) are common with some doctors and in some states, talk to your attorney or his/her staff about the dr's demands

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