Excessive or Unreasonable
Charges and Services Paid For Under Florida’s Broken No-Fault
System
Replacement services - House painting, car detailing, and dog
grooming are all examples of replacement services auto insurers
have had to pay for under no-fault.
- Bio Cleanse Foot Detox - This “treatment”
involves the patient soaking their feet in a liquid solution
with a magnetic device to allegedly pull toxins from the body
through their feet. Insurers are billed approximately $35 for
this treatment. It would cost more than $200 to challenge the
reasonableness of the treatment through a peer review.
- Breast reduction surgery – has been
billed for after accidents to relieve back strain.
- Muscle/interferential stimulator and “Full Back
Conductive Garment” - Providers of this patented
device submit bills of $360/month for rental costs. Most prescriptions
result in ultimately purchasing the device for $2,495 –
and the previous months’ rental fees are rarely deducted
from this price. Additionally, the patient is allowed to purchase
a ‘garment’ for an additional $350 allowing them
to conveniently wear the device.
- Amethyst bio mat and pillow - This is basically
a yoga mat, but with compounds in it to “draw out toxins.”
Insurer is billed $1,600 plus an additional $80 for shipping.
- Gym memberships - Patients get prescriptions
for gym memberships paid for under no-fault to prevent recurrent
problems.
- The list goes on and on - Insurers are routinely
asked to pay for everything from water beds and massage chairs
to hot tubs and inversion tables.
Consumers are footing the bill for these frivolous claims
through higher auto insurance costs!!!!
With no fee schedule to control the costs of these services and
no utilization tools to determine the reasonableness or necessity
of such charges, insurers risk legal challenges under Florida’s
no-fault law for scrutinizing even the most outrageous claims
– like these!
Excessive claims are only one of many problems with Florida’s
failed no-fault system, which burdens Floridians with auto insurance
rates that are among the highest in the nation.
It’s time for legislators to stand up for consumers. Let
Florida join the 38 other states that hold drivers accountable,
and save the average family as much as $360 on their annual
insurance costs.
Join FLIC in the fight to lower auto
insurance premiums today!!!
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