LOP
A patient says they have an attorney. What document do we need before billing under the attorney?
A signed Letter of Protection (LOP).
What does PIP stand for?
Personal Injury Protection
A new PIP/LOP patient provides the insurance company, date of accident, and attorney information. What key detail do you still need before moving forward?
Claim number & Adjusters information.
If a patient is treating under both PIP and an LOP, which documents must they sign?
Assignment of Benefits (AOB) & PIP Paperwork
Letter of Protection (LOP)
Clinic paperwork/consents
A patient calls and says they were in a car accident. What is the first thing you should ask?
Are you using your auto insurance (PIP), an attorney/LOP, or your health insurance?
True or False:
Patients with PIP and/or legal representation can do physical therapy without a prescription/referral.
FALSE.
What is the purpose of a Letter of Protection?
To guarantee payment from the patient's future settlement.
Name 4 pieces of information you need to collect from a patient using PIP.
- Insurance company
-Claim number
-Adjuster's name & phone number
-Date of accident
A patient's attorney calls asking for records.
What should you verify before sending them?
That there is a signed HIPAA authorization
True or False:
An LOP guarantees that payment will be made immediately after each visit.
FALSE. Payment is typically made once the case is settled.
A patient has both health insurance and PIP. Which insurance is typically billed first for accident-related treatment?
What's Next?
A patient's PIP benefits have been exhausted, but treatment is continuing, and there is active legal involvement.
Contact the attorney to see how they want us to continue billing (LOP, health insurance, or self-pay)
What happens if a patient changes attorneys during treatment?
A new LOP must be obtained, the patient's account updated, and billing notified.
What is an Assignment of Benefits (AOB)?
This document allows the clinic to bill the patient's auto insurance benefits directly.
What's next?
A patient gets legal representation after completing several visits as a self-pay.
Contact the attorney, have the LOP signed, and notify Mike Bassos.