What is the definition of rehabilitation services?
Persons with a traumatic brain injury are going to need outpatient rehabilitation services. Does the health and accident insurance company have an option of terminating coverage? Is it the insurance company or their doctor that determines that a person is no longer making progress as the result of rehabilitation services? How are the benefits coordinated? Typically, insurance policies provide that health or accident insurance has to be coordinated with any insurance that you have so that when you have two insurance policies, which one is responsible? Bills will be submitted first to the primary carrier who has to pay the bills according to the insurance contract. Any remaining bills are forwarded to the “secondary” insurance carrier. It is often very difficult to determine which carrier is primary and which is secondary, especially when there are enormous bills and a traumatic brain injury: neither insurance company wants to assume responsibility. In such instances, the assistance of a
