Personal Injury Billing and Coding Services
Hand us the billing. We run the whole revenue cycle, and we charge 5% of what we collect.
Our Services
Personal injury cases are complicated, and the hardest part is working out who actually pays. Cover varies a lot between insurers. We find it, code the claim properly, file it on time, and chase it until it pays.
That is what separates real personal injury billing services from the rest. We watch the deadlines. We know what each insurer wants. And we build that into how we work, rather than learning it again on every case.
What benefits are provided by our Personal Injury Billing and Coding Services?
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Billing Optimization
Personal injury work only pays if both sides win. The practice gets paid, and the patient is not left with a bill they never expected. We collect faster, we bill correctly for what was done, and we keep the accounts receivable moving. That is the difference between good personal injury medical billing and a ledger full of old balances.
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Adherence to HIPAA Regulations
We have done this for practices across the country for years. Your records are safe with us. So is the way your patients are treated when we contact them on your behalf. For most practices choosing a billing and coding company, that matters as much as the collection rate.
How Personal Injury Billing Actually Works
Personal injury is not billed like insurance, and treating it as though it were is why most practices carry PI balances for years. There is no network to join and no fee schedule to accept. What there is instead is a claim, an adjuster, an attorney and, usually, a wait until settlement.
The money comes from one of three places: the patient's own auto medical payments coverage, which pays quickly up to its limit; a third-party liability claim against the at-fault driver, which pays at settlement; or the patient's health insurance, which will then assert a lien against the settlement.
Most practices treating PI work on a letter of protection: the attorney undertakes to pay your bill out of the settlement. That makes your documentation part of the legal case: causation, objective findings, treatment plan and prognosis all matter to the value of the claim and therefore to what you are paid.
We track liens and letters of protection separately from commercial AR, correspond with attorneys and adjusters, respond to records requests, and chase settlement status on a cadence that suits a case that takes months, not days. Reported separately too, so PI does not distort your days-in-AR figure.
Chiropractic and physical therapy practices do most of this work, see chiropractic billing services and physical therapy billing services.
Getting paid on a personal injury case
Personal injury work does not behave like insurance billing. There is often no payer at all until a case settles, which can be a year or more after the treatment.
Decide how you are getting paid before you treat
There are usually three routes, and mixing them up is where practices lose money.
- Med pay or PIPThe patient's own car policy, paid up to a limit and paid early. Bill it first where it exists, because it is the fastest money in the file.
- Health insuranceOften available and often skipped. Billing it protects your cash flow, but the health plan will usually want repaying out of the settlement, which the attorney needs to know about early.
- Letter of protectionYou treat now and are paid from the settlement. It is a promise from the attorney, not a guarantee from an insurer, and it is worth exactly what the case is worth.
The letter of protection is a contract, so read it
Two things decide whether it is worth signing. Does it say your balance is paid before the client is paid? And does it survive the attorney dropping the case or the client changing firms? A letter that is silent on either point leaves you unsecured on work you have already done.
Some states let a provider file a statutory lien, which is stronger than a letter because it attaches to the settlement itself. Whether that is available, and what it costs to file and when, varies by state.
Records and narratives are part of the job
Attorneys need records and they need a narrative report that links the injury to the accident. Both are billable, and most practices give them away. Set a fee schedule for records and narratives, quote it before you produce them, and bill it like any other service.
The receivable needs its own follow up
These balances do not appear in a normal ageing report in a useful way. They need a separate list with the attorney, the firm, the date of injury and the date of last contact, worked every ninety days. Cases settle quietly, and a practice that is not asking is often not told.