If you are billing PIP insurance and referring for MRI’s here are some practical tips to avoid getting sued by an insurance company.
1. Stay away from MRI Centers that only have an “Open MRI” machine:
2. Stay away from mobile MRI machines.
The day of the mobile MRI in Florida is gone. Insurance companies presume the only people using mobile MRI machines are illegally paying for scans. I can throw a rock and hit three MRI centers anywhere in Florida. Why does a mobile MRI center need to be driven across state to scan patients at an auto accident clinic?
Also, these machines are jostling on the roads to get from point A to point B. Most mobile MRIs are .2T or .3T open MRIs (poor image quality) and are not maintained properly.
3. Don’t refer your patients for an MRI on the first visit unless there is a serious need.
Insurance companies have sued doctors for referring every patient for MRI’s on the first visit. They say that the patient wasn’t given a chance to fail conservative care and that they might not have incurred the bills had the patient been given a couple of weeks of therapy.
This is not to say that you should not refer a patient for MRI on the first visit. The problem is when every patient is referred for MRI on the first visit. If a patient is limping, you should obviously refer for an MRI but every patient cannot need an MRI on the first visit. For example, why would you refer a patient with a level 2 pain in the low back for an MRI on the first visit? The insurance company will say that it is because you want to curry favor with personal injury attorneys by obtaining MRI’s early in treatment.
4. Make sure you document why they need an MRI/X-Ray
Write down in your patient chart why you are sending for an MRI/x-ray. Include the date you referred them for the MRI/X-Ray.
One time I was representing an MRI center trying to get PIP to pay the bills. The referring doctor said in a deposition “I don’t know why I referred this patient for an MRI.”
5. Document when you reviewed the MRI/x-ray with the patient.
If you sent the patient for an MRI/x-ray then you need to write down the date you reviewed the report with the patient and something like “reviewed MRI findings with patient on 1/1/2024 and answered any questions they had.” If the MRI/x-ray findings require a specialist then write down “Will refer patient to a specialist based on the MRI findings.”
6. Don’t Ignore Radiologist Advice/Comments
If the radiologist says “I see something in thoracic region and would like to get a dedicated thoracic MRI” then you need to refer for a thoracic MRI or write down your justification why. Insurance companies have sued doctors multiple times for referring for imaging and then not using the information obtained. It comes down to poor documentation. You don’t need to refer for the dedicated thoracic MRI in this example, but you should document that you saw what the radiologist wrote and why you chose it wasn’t necessary at this time.
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