The Sun Clinic of TCM
 
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Most auto insurance policies cover medical expenses for acupuncture and acupressure treatments incurred as a result of automobile related injuries with varying dollar limits. A person who does not own his individual policy may also be covered by a policy of a member of the same household.
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phone:   (925) 600-1488
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If you are unfortunately involved in an automobile accident and hurt, the most important thing to do is to seek immediate medical attention. Many people think their injuries or conditions are minor or even nonexistent. Only later they discovered they had received major, lifelong damage and trauma. In addition, your failure to seek immediate medical attention will be used against you by the insurance companies and their lawyers, who will argue that you would have sought medical treatment immediately after the accident if you had been seriously injured. However, all these are usually avoidable if you get proper early treatment.

You can receive acupuncture and acupressure treatments through the "PIP" (Personal Injury Protection) of your auto insurance policy. Call your insurance company and speak to the individual managing your claim. Inform them of your interest in receiving acupuncture care for your injury. Let us know your claim number when you come to visit us.

 
 
Who pays the medical bills?
1. Your own auto insurance
 

Most auto insurance policies cover medical expenses for acupuncture and acupressure treatments incurred as a result of automobile related injuries with varying dollar limits. A person who does not own his individual policy may also be covered by a policy of a member of the same household. For instance, a teenager hit by a car while crossing the street (an auto related injury) may be covered by the insurance policy of his older brother with whom he lives.

Unlike some health insurance companies, automobile insurance cannot discriminate against Acupuncture care (including medical massage care) and they cannot require you to see a certain physician for treatment. In other words, you can choose to receive care from any doctor.

A list of auto insurance in we dealed with so far is as follows:

21st Century
All State
CSAA / AAA
Farmers
GEICO Direct ct
Liberty Mutual
Mercury
Prudential
State Farm
USAA
2. Third-Party Insurance and Medical Lien (Doctor's Lien)
 

When one is injured in an accident caused by another party who as at fault, he may be entitled to compensation by the other party under the law.

 
However, if the injured does not have his own insurance or adequate coverage, he may have difficulty coming up with the finances to defray the medical costs for his treatments because it may take quite some time before he can obtain compensation for the responsible party under the law. Certain health professionals may be willing to accept an IOU from the patient providing the patient agrees to secure the IOU with future proceeds from the compensation he receives from the at fault party. This is known as a "medical lien" which is similar to a car loan using the car as a collateral or getting a loan for mortgaging one's house. At our clinic, we accept this type of lien in order to get your injuries treated as soon as possible. Please call us at (925)600-1488 to find out how to get the medical lien and further information related.
3. Your health insurance
 

Health insurance usually covers the treatment expenses if the auto insurance policies do not cover it. However, it is generally a good idea to check with your own health insurance company to see what services are covered before treatment. If you belong to a HMO health plan, it is quite possible that you will be covered only if you see your primary care doctor or another specialist only if you are referred by your own family doctor.

4. Worker's compensation
 
If you are injured in an automobile related accident while you are doing your duties as an employee, you may be entitled to coverage by worker's compensation insurance as well. For instance, a messenger side-swiped by a bus while delivering a package should be covered by worker's compensation insurance.
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