Thursday, December 6, 2012

How can I make myself able, to accept health insurance payments from Massage Clients?

Q. I am a licensed Massage Therapist that is Mobile. I was wondering how can I accept Health Insurance as a payment for a massage from my patients/clients?

A. There are textbooks created to help understand how to properly set up your practice to accept insurance payments. The three main categories you need to determine are
1. Motor Vehicle personal injury
2. Workers Compensation injury
3. Major Medical Health Plans/Insurance

The first is the best coverage, the second is good coverage and the third is cumbersome. Medicare/Medicaid are a waste of time, unless you are in a medical office that does the billing for you.

Your question addresses the third category. Depending on the state you are in and/or the insurance company that is offering benefits, it may be worth the extra time and effort to accept these plans for billing.

The following site leads to a book that is adequate for understanding most of what is needed to set up and begin accepting insurance. Give yourself 3-6 months of study and development of necessary forms before taking on your first Health plan patient.

In any of these cases, the patient will need the following before insurance will even consider payment:
1. Physician's Referral/prescription (MD, DC, DO)
2. Medical necessity
3. Plan: number of sessions, duration, frequency, goals
4. NPI number & completed CMS-1500 form for billing

This book will teach you all about how to set up insurance billing in your practice. There are others out there, but this is very informative for the price.

It is possible to develop a medical massage practice going to people's homes, but it will take some time to develop it.

http://shop.manualtherapyoffice.com/product.sc?categoryId=3&productId=10


How Does the Medical Insurance Bureau Go About Collecting Medcal Data?
Q. aside from the information provided by the claims filed on a person's insurance.
Do they solicit information at random or do some sort of data mining to find about about people?

A. When an application is made to an MIB Member company, any information that is of significance to health or longevity (whether admitted on the application or discovered during the underwriting process) is sent to MIB by the Member company.

Coded information identifies medical conditions or medical tests that are reported by MIB Members to MIB under broad categories. There are also a few codes that are non-medical. Those codes report potentially hazardous avocations or hobbies, or results of a motor vehicle report showing a poor driving history. MIB has no actual �reports� or �medical records� on file, only the coded �resume� provided by the Member.

As part of the underwriting process, an applicant provides information to the Member company and in addition, the insurance company may obtain your medical records along with other underwriting requirements. Any information that has significance in the underwriting process may be reported to MIB.


In Florida, How long do you have to register a used vehicle from a private seller?
Q. I am buying a vehicle in Florida from a private seller that is 2 hours away. When I get there, it will be too late in the day to register the vehicle and get a tag and I don't want to get a ticket or any other trouble for it. I already added it to my insurance. I will be registering the vehicle the very next day.

So I guess my real question is, will I be okay driving it for one day without a tag and not getting a ticket if the police pull me over? Thanks all!

A. It really depends on the officer, if you happen to get pulled over. But, I personally wouldn't worry about it. I would just make sure you take any supporting documents along with you. For instance, the title for the vehicle with a signature and date of transfer. You say you have contacted your insurance company, so if neccesary he/she can verify that as well.

Since you'll now be a proud owner of a "new" car, a good place to know about is: http://www.autorepairinflorida.com/Category/Auto-Repair/ Although, hopefully you won't have any car troubles for some time to come!

Congrats on your car!


Buying a car that has come straight from the insurance company?
Q. I have seen a car I like for a really good price but in the description it says it has come direct from the car insurance company for light vandalism. The description says excellent condition inside and out. What does this mean? Should I be wary and what should I look out for?

A. you have 4 categories a b c and d a is scrap only, b is for parts breaking onlly, c is repairable, but requires a vehicle identity check before it can go back on the road finally cat d can go back on the road once you have recieved the v5 log book you can check the vehicles status online at the dvla. the car may still have mot you can get a replacement copy from any mot garage for £10.
the car your intrested in sounds like it may be cat d but check first try these guys for info they really helped me out www.gazellecarparts.co.uk
hope this helps





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