If you have been in a car accident you are entitled to accidents benefit coverage regardless of who was at fault. Let us help clarify the process by breaking it down for you.
1. File a report with the police
The first thing you are going to need to do is file an accident report with the police.
2. Contact your insurance company
You must file both an accident claim and an injury claim. You will need to tell them you are filing for both and they will assign a different adjuster for each.
3. COMPLETE AB-1 FORM
It is important for you to know that by completing the AB-1 Form you may be eligible to start a limited number of treatments with your primary health care provider prior to confirmation from your insurance company. This form MUST be filed within 10 days of the accident. Your Primary Health Care Provider at Bloom can submit both your AB-1 and AB-2 to your adjuster.
4. Book an assessment
When it comes to the assessment, you can see any Primary Health Care provider. This includes our Physiotherapist or Chiropractor, or your Medical Doctor. They will complete an AB-2 Form with you and submit this form directly to your insurance company. We recommend this appointment is booked within 10 days of your accident to get pre-approved for treatments under the “Diagnostic and Treatment Protocols”. Even if you are not feeling any symptoms we suggest booking an assessment. Symptoms like whiplash often have a delayed onset and you don’t want to miss your window for filing a claim.
5. ASSIGNMENT OF TREATMENTS
Once an assessment has been completed on your injuries, your medical professional will assign either 10 or 21 treatments. These treatments can be used towards physiotherapy, chiropractor, acupuncture or massage therapy. You have control over which modality or combination of modalities you would like to use, keeping in mind the advice of your medical professional. Note that if your first assessment is performed by a physical therapist or chiropractor, this may count as two treatments out of your 10 or 21. A diagnosis by a medical doctor will not use up any of your treatments. The decision is entirely up to you.
6. INSURANCE CONFIRMATION
If you choose to use Bloom Therapy as your team for your MVA treatments, we will have the ability to directly bill your insurance company. Before proceeding with your treatment we recommend that you receive confirmation from your insurance company that you will be covered and for how many treatments. Once you know how many treatments you are covered for (10 or 21), we recommend that you track how many treatments you have received. Any treatments outside of your protocol will not be covered by your insurance.
7. Provide clinic with necessary information
As soon as it becomes available to you, please provide the clinic with the following information:
Name of the insurance company
Name of your adjuster dealing with your injury claim and their contact information.
Claim number
The date of your accident
We understand that this seems like a lengthy process but taking the right steps from the beginning will lead to a smoother and ultimately more effective treatment plan!