A deductible is a specific dollar amount that the car insurance won’t cover before they start paying for your treatment.
Some polices have 2 separate deductibles, one for damage to your car, and one for your medical treatment. The one for your medical treatment is called the PIP deductible.
If you have a PIP deductible, the amount will be specified by your insurance policy. We will ask your car insurance company if you have a PIP deductible and how much it is; but sometimes they will not release that information to us. You may have to call yourself.
If any part of your bill is denied by your car insurance company, you are responsible to pay it. In this case we can often offer a reduction, please ask.
Many people’s health insurance will cover medical payments that are denied by the car insurance, but they will not do this for the massage treatment with our therapists.
Deductibles apply in the order that bills are received by your car insurance company. In other words, the first providers to bill your insurance will have the deductible applied to their bills.
Due to Hawai’i state law, the deductible does not apply to medical treatment in the first 72 hours after the accident. So if you have an ambulance ride and emergency room visit on the day of the accident, the deductible will not be affected.