Payment & Insurance Options

At Complete Care, we’re highly experienced in treating musculoskeletal injuries from both auto accidents and workplace incidents. Our team provides comprehensive medical care and helps patients navigate the complexities of insurance, whether it’s Personal Injury Protection (PIP) after a car accident or workers’ compensation benefits for on-the-job injuries. From evaluation through rehabilitation, we make accessing the right care as simple and stress-free as possible.

Do You Accept Medical Insurance?

We treat physical injuries resulting from auto accidents and workplace injuries. While we do not accept major medical insurance, we do accept PIP insurance in Florida and work directly with workers’ compensation carriers to cover treatment. We also offer self-pay options for those who may need alternative payment solutions.

What Is PIP Insurance?

Personal injury protection (PIP) insurance — also called no-fault insurance — pays parts of you and your passenger’s medical bills after a crash, no matter who was at fault. This insurance is part of the required auto insurance in Florida to legally drive in the state. You can get coverage up to $10,000 through this insurance. 

PIP vs. Medical Insurance After a Car Accident

After an accident, you may want to use medical insurance to cover your expenses, but PIP insurance is often the better choice. PIP insurance covers accident-related costs that medical insurance doesn’t, like lost wages. PIP insurance also covers your passengers, so it is helpful if you carry passengers without health insurance.

Filing a PIP Claim After a Car Accident

To receive PIP insurance coverage, you must seek treatment within 14 days after the accident or lose your ability to file the claim. Take these steps to file a PIP claim:

  1. File for auto injury under PIP insurance before filing a claim with your health insurance. 
  2. See a medical provider who will determine whether your condition qualifies as an emergency medical condition. 
  3. After your claim, insurance providers have 60 days to review it but must pay within 30 days. 
  4. During your medical treatment, log medical expenses and related costs so you can share this information with your insurance provider.

What PIP Insurance Covers

Here are the expenses included in PIP coverage:

  • 80% of medical bills
  • 60% of lost wages, including things like household chores and daycare
  • Mileage reimbursement for trips to and from the doctor
  • $5,000 in funeral and death benefits in addition to medical and disability benefits
  • Health insurance deductible

It does not cover:

  • Collision coverage for vehicle repairs
  • Property damage to the other driver’s vehicle or other property like a fence
  • Medical bills exceeding the limits of your coverage

How PIP Insurance Works With Complete Care’s Services

As a provider focused on handling auto accident injuries, we offer the support you need with all aspects of care, including helping you with your PIP insurance for medical treatment. Remember, you have 14 days to be seen by a physician, or you may lose your ability to file a claim. Receive the efficient injury care you need – with no surprise billing by requesting an appointment online today. 

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What Is Workers’ Compensation? 

Workers’ compensation is insurance that covers medical care for employees injured on the job. If you’re hurt at work, whether it’s a slip and fall, lifting injury or repetitive motion issue you may be eligible for workers’ comp benefits. This coverage is designed to protect you from out-of-pocket costs while you recover and get back to work safely. In Florida, most employers are required by law to carry this insurance. 

Workers’ Compensation vs. Health Insurance 

You might think of using your health insurance after a work injury, but workers’ compensation is usually the right (and required) route. Workers’ comp covers medical treatment for the workplace injury and other related services like physical therapy. It also protects your right to receive care without co-pays or deductibles, which are common with health insurance. 

Filing a Workers’ Compensation Claim 

To use your workers’ compensation benefits, you must report your injury to your employer as soon as possible – ideally the same day. Your employer will then file a claim with their insurance carrier. What generally happens next is: 

  • You’ll be referred to an approved workers’ compensation medical provider (like Complete Care) 
  • The provider will evaluate your injury and begin treatment 
  • Medical records and progress updates will be submitted directly to the insurance carrier **

Throughout the process, you won’t pay out of pocket for approved care related to your work injury. 

What Workers’ Compensation Covers 

Workers’ compensation benefits typically include: 

  • 100% of medical treatment related to the work injury 
  • Physical therapy, chiropractic care and rehabilitation 
  • Specialist referrals (e.g., orthopedic, neurology, or pain management) 
  • Surgery or advanced imaging when medically necessary 
  • Transportation reimbursement for medical appointments 

It does not cover: 

  • Injuries not related to your job 
  • Treatment by unauthorized providers 
  • Pain and suffering or punitive damages 

At Complete Care, we work directly with workers’ compensation insurance carriers to make sure you get timely, coordinated treatment, so you can focus on healing, not paperwork. 

Insurance Carriers We Partner With

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