If you have health insurance will your PIP pay for an injury in an auto accident?

Answer

In Florida, PIP will pay 80% of the bills till a total of $10,000 is reached.

After the $10,000 limit, the health insurance will kick in as if that was the primary insurance.

So what about the 20% before the $10,000. Send the remaining balance bills to your health insurance or the provider if the provider belongs to the health insurance list. Most of the health insurance companies will pay nothing of the 20% as the auto PIP will have paid several fold the allowable amount that the helath insurance pays had it not been as a result of an auto accident. They will tell the provider that no additional payment is due. So you will not pay a dime from your pocket till you reach the $10,000 limit.

But if you are going to a out-of-network provider, I do not know. So when you go to ER or a doctor, tell them you only want to see your health insurance providers. They may not do so but insist.

Beaware of even network providers trying to ask you to pay the balance if your health insurance company does not pay anything. They become greedy like anyone else.

The sun is setting on reqd PIP in Florida. It is a boon for people who have a insurance as they will not go thru the hassles that providers put you thru for the balance of the PIP. On PIP, charges are 3-4 times what is allowed by health insurance companies. So hospitals and doctors make a killing. With PIP gone in Fall, now the lawyers will make a killing by suing for injuries. And if you are not insured, you are in trouble even if the accident was not your fault. PIP was a good idea, but when hospitals and doctors got greedy, it became to be known as a scam.

With our mentality of making money in the short run, this is what the consumer gets. He is shafted no matter what, just getting shafted by different people. Do you want to be shafted by the medical community or the lawyers. Take your pick.

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