Michigan
Auto Accident
Injury Care
At Synergy Health Partners, we understand that auto accidents can be life-altering, leading to physical injuries and emotional distress. Our dedicated team in Michigan is committed to providing comprehensive care to help you recover and regain your quality of life.
Auto Accident Information – Why We Need This
If you’ve been injured in a car accident, we’ll need some information to make sure your treatment and billing are handled correctly. This form lets us collect your accident details, insurance info, and any attorney contacts so we can coordinate with insurers or your lawyer. By providing these details, you help us avoid delays in your care and prevent any surprises with billing. Our goal is to use this information only to assist with your medical claims and get you the care you need without extra hassle.
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Comprehensive Care for Auto Accident Injuries
Car accidents can cause a wide range of musculoskeletal injuries – from minor aches to serious trauma. Our expert physicians and therapists treat all types of auto accident injuries with both surgical and non-surgical solutions. We create individualized treatment plans that address your specific needs for pain relief and rehabilitation. Common injuries we treat include:
- Whiplash and Neck Injuries: Sudden back-and-forth snapping of the neck can damage muscles, ligaments, and discs, causing neck pain, stiffness, and headaches. We offer gentle chiropractic adjustments, pain management injections, and targeted physical therapy to relieve whiplash symptoms and restore neck mobility.
- Herniated Discs and Back Pain: The force of a collision can jar the spine, leading to bulging or herniated discs in the neck or lower back. Our spine specialists provide advanced care – from conservative treatments like physical therapy and epidural injections to minimally invasive spine surgery if needed – to alleviate nerve pressure and back pain.
- Fractures (Broken Bones): Impact trauma can result in broken bones in the arms, legs, ribs, or spine. Our orthopedic surgeons skillfully treat fractures, whether through casting, bracing, or surgical fixation, to ensure proper healing and restore function.
- Joint Injuries: Shoulders, knees, hips, and other joints often get injured in accidents (e.g. rotator cuff tears, ACL tears, or dislocations). We provide comprehensive joint care including arthroscopic surgery, bracing, and rehabilitation exercises to rebuild strength and stability.
- Soft Tissue Injuries: Sprains, strains, and muscle tears are common in crashes. Our team uses modalities like therapeutic massage, ultrasound, and guided exercises to promote soft tissue healing. We also employ interventional pain management techniques to control severe muscle or ligament pain.
- Spinal Cord Injuries: In high-impact accidents, the spinal cord can be damaged, leading to serious consequences. Our network includes neurosurgical and rehabilitation experts who coordinate on your care. From acute hospital management to long-term rehabilitation, we help spinal injury patients maximize recovery and access needed resources.
Integrated Multidisciplinary Care: At Synergy Health, our integrated team of orthopedic surgeons, neurosurgeons, pain management physicians, chiropractors, and physical therapists work together to provide seamless, effective treatment. Whether you’re dealing with back pain, an injury, or mobility issues, we streamline your care—offering expert consultations, diagnostics, and therapies under one roof. No unnecessary referrals, no delays—just the right treatment at the right time to help you heal faster and get back to living fully.
Michigan No-Fault Insurance & PIP Benefits Explained
Michigan’s No-Fault auto insurance system ensures that if you’re injured in a car accident, your own insurance (Personal Injury Protection, or PIP) will pay for your medical care regardless of who was at fault. Understanding your PIP benefits is key to accessing all the care you need. Here’s what you should know:
- Medical Coverage: PIP covers all reasonable and necessary medical expenses related to your auto accident injuries.
- This includes doctor visits, surgery, hospital bills, imaging (X-rays, MRI), chiropractic care, physical therapy sessions, pain management injections, medication, medical equipment, and even rehabilitation programs. In other words, treatments for your orthopedic injuries, spine issues, and any other accident-related conditions should be paid by PIP up to your policy limits. You don’t need to pay a copay or deductible for accident medical treatment under PIP – it’s typically covered in full as long as it’s accident-related and medically necessary.
- Wage Loss: If your injuries prevent you from working, PIP provides wage loss benefits for up to 3 years after the crash. It generally covers a percentage of your lost income (around 85%, up to a monthly maximum) so you can focus on recovery without worrying about missing paychecks.
- Replacement Services: PIP also helps with everyday tasks you can’t do while injured. It will pay up to $20 per day for replacement services – things like housekeeping, yard work, childcare, or transportation that you might hire someone else to do because your injuries limit you.
- This benefit lasts up to 3 years post-accident.
- For example, if a back injury prevents you from cleaning your house or mowing the lawn, you can have those services covered (up to $20/day) through your no-fault policy.
- This benefit lasts up to 3 years post-accident.
- Attendant Care: For more serious injuries, PIP covers attendant care, which is in-home assistance with personal care. This could be a nurse or aide helping you with medical needs, bathing, mobility, medication, and other daily activities if you cannot do them on your own due to accident injuries. Attendant care can be provided by professional home health aides or even by family members.
- (Note: Recent Michigan law changes cap family-provided attendant care reimbursement at 56 hours per week, but additional care can be arranged through licensed agencies if needed.) This benefit is crucial for patients with spinal cord injuries, traumatic brain injuries, or other severe conditions – ensuring you have support at home during recovery.
Michigan’s no-fault PIP is designed to be comprehensive. It even covers mileage to and from medical appointments (known as medical mileage), and in cases of catastrophic injury, it can fund home or vehicle modifications (for example, making a home wheelchair-accessible).
Your auto insurance’s PIP is there to pay for your accident-related medical care and support needs, so you can recover without financial barriers.
Unlimited vs. Limited PIP Coverage – What’s the Difference?
One of the most important factors in your no-fault coverage is whether you have unlimited PIP or a limited dollar amount. Michigan’s auto insurance law changed in 2020, allowing drivers to choose different levels of medical coverage:
- Unlimited PIP: Covers all accident-related medical expenses with no cap, for as long as needed—even if costs reach millions. Ideal for serious injuries requiring long-term care, surgeries, or rehabilitation.
- Limited PIP: Covers medical bills up to your chosen limit (e.g., $250,000 or $500,000). Once that limit is reached, PIP stops paying, leaving you responsible for additional costs. This can be a major factor for those needing extended care.
How Limited PIP Affects Long-Term Care: If you have a lower PIP limit and suffer a serious injury, you might run out of coverage while still needing treatment. In such cases, you would need to rely on other resources to pay for ongoing care. This could include your health insurance (if you have it), Medicaid/Medicare, or potentially pursuing a claim against an at-fault driver for excess medical expenses. We understand this scenario can be stressful – but rest assured, Synergy Health Partners will not abandon you if your PIP benefits max out. We will work with you to transition billing to your health insurance or explore other options so you can continue necessary treatment. Our team is very familiar with the documentation required for extended care and, if needed, we can coordinate with your legal counsel by providing medical reports to support any claims for additional coverage.
Did You Opt-Out or Have Limited PIP by Choice? Michigan allows certain individuals to opt out of PIP medical coverage entirely (for example, if you have Medicare and chose No PIP option, or if you’re on Medicaid and chose a $50,000 limited PIP). In these cases, your health insurance becomes the primary payer for your auto injury treatments from day one. It’s especially important to let your healthcare providers know if you have opted-out or limited PIP coverage so they can bill the correct insurer. We have an Insurance Coordination Team that will verify your coverage elections and make sure billing is handled correctly according to your policy.
Coordinating Auto Insurance and Health Insurance
Dealing with insurance after an accident can be confusing. Our staff at Synergy Health Partners is here to handle the insurance paperwork so you don’t have to. We proactively coordinate between your auto insurance PIP and any health insurance you have, to make sure your treatment is covered with minimal hassle or out-of-pocket cost to you.
Here’s how our process works:
When you become our patient, we’ll gather your auto insurance details and health insurance information. We verify your PIP coverage – checking your coverage limit or if you have unlimited PIP – and determine if any exclusions or other insurers are involved. If your auto insurance has limits (e.g. $250k cap) or if you opted-out with qualifying health coverage, we’ll confirm how your health insurance can step in. Typically, if PIP is available, it is the primary payer for auto injury care, and your health insurance is secondary (it might only be used after PIP limits are exhausted, or for services PIP doesn’t cover).
Our billing specialists will submit claims to the appropriate insurance at each stage of your care. For example: if you need an MRI and some physical therapy, those bills go to your auto insurer first. If you had chosen limited PIP and it gets used up, we will then start billing your health insurance for subsequent services. We also handle any required pre-authorizations with your insurers for procedures like surgeries or injections – making sure there are no surprises. Our goal is to ensure a smooth payment process so you can focus on recovery instead of paperwork.
What if there are remaining costs?
In many cases, PIP will cover 100% of allowed medical expenses. If your health insurance becomes involved, you might be responsible for your normal health plan copays or deductibles (since health insurance cost-sharing can apply once they are paying). However, often the most expensive portions of care occur early (hospital, surgery) and are covered by PIP. If there are any bills, our team can help you understand them. We can also connect you with resources if you need help with out-of-pocket costs or if you’re considering legal action to recover costs from an at-fault driver for medical bills beyond PIP coverage.
Insurance Verification Service
Not sure what your auto policy covers? We offer a free Insurance Benefit Verification for auto accident patients. Before you even start treatment, we can contact your insurer to confirm your PIP coverage level and remaining benefits, and we’ll review your health insurance for any applicable benefits. This gives you clarity from the start about what will be covered. We’ll explain the findings to you in plain language and answer any questions. We believe peace of mind about coverage is part of caring for our patients.
Additional No-Fault Benefits: Attendant Care & Replacement Services
Michigan’s no-fault law not only covers medical bills but also provides for certain extra benefits that can be a lifeline after an accident. We make sure our patients know about these benefits and we help coordinate the necessary documentation so you receive everything you’re entitled to under your policy:
- Attendant Care: As mentioned earlier, PIP can pay for in-home care if you need assistance with daily activities due to your injuries. This could range from a family member helping you with bathing and dressing, to a skilled nurse monitoring medications and wound care at home. Our physicians will assess if you require attendant care (for example, patients after spine surgery or those with mobility-limiting injuries often do) and will write the orders or notes necessary for your insurance. If family members will be providing your care, we guide them on how to keep track of their time so it can be reimbursed (up to 56 hours per week for family-provided care per the new law). If professional care is needed, our social work team can help arrange licensed home health aides or nursing services. Attendant care is about making sure you are safe and supported at home, and it’s covered by your insurance so you don’t have to shoulder that cost.
- Replacement Services: These are sometimes called “household services.” PIP will reimburse up to $20 per day for services that you used to do for yourself but now cannot because of your injuries. This typically covers tasks like cleaning, laundry, yard maintenance, snow shoveling, grocery shopping, childcare, or even transportation for errands. The idea is to help you keep your household running while you’re recovering. This benefit extends for up to 3 years post-accident. We encourage our patients to take advantage of this – don’t strain your healing back by trying to mow the lawn or risk injury by climbing ladders to clean gutters. Hire someone to do it, save the receipts, and submit them to your auto insurance for reimbursement. If you need guidance on how to file for replacement services, we can show you which forms to use. We can also provide a letter confirming your medical restrictions if your insurance company requires proof that you needed the help.
By knowing about attendant care and replacement services, you can recover more comfortably. Many patients aren’t aware their policy will pay for these supportive services – we make it a point to inform you and assist with the process so you get the full benefits of Michigan’s no-fault protections. Healing from an injury is hard work; these benefits exist to ease the burden on you and your family.
Michigan Assigned Claims Plan (MACP) – Coverage for the Uninsured
If you’re injured in a car accident but don’t have auto insurance—or were a pedestrian or bicyclist without coverage—the MACP may help. This state-run program assigns an insurer to provide PIP benefits when no applicable policy exists. While coverage is capped at $250,000 per person, it can still cover medical bills, rehab, and other essential expenses. Exceptions apply for uninsured vehicle owners/drivers, so legal guidance may be needed.
How to use the MACP
Our office can assist you if we suspect your case falls under the Assigned Claims Plan. There is an application that needs to be submitted to the MACP (managed by the Michigan Automobile Insurance Placement Facility). It requires details of the accident and affidavits that no coverage exists. Once approved, an insurer will be assigned and you’ll get a claim number to use just like regular insurance. We have experience helping patients through this process – from obtaining and filing the forms to following up on claim status.
If you’re worried because you have no insurance, please know we will still treat you. We’ll work with the Assigned Claims Plan to secure payment for your care whenever possible. You shouldn’t be denied treatment just because of an insurance gap. Michigan’s no-fault system is complex, but we understand its channels. Whether you’re covered by your own policy or need to use the MACP, Synergy Health Partners will guide you every step of the way so that your medical bills get covered and you can focus on recovery.
Michigan’s Medical Fee Schedule – Keeping Costs Transparent
In 2019, Michigan introduced a medical fee schedule for auto insurance claims as part of no-fault reform. This fee schedule took effect for accident-related treatment after July 2021. What does this mean for you as a patient? In simple terms, the law now limits how much medical providers can charge for services to auto accident patients, based on a percentage of what Medicare would pay for the same service. Providers are required to accept the fee schedule amount as payment in full – any charge beyond that amount will not be paid by insurance.
At Synergy Health Partners, we fully comply with this fee schedule—meaning no surprise bills. For example, if a procedure typically costs $1,000 but the fee schedule allows $800, that’s the maximum you’ll be charged. You’ll never be balance-billed for the difference, as the law prohibits it. Our integrated care model allows us to provide imaging, surgery, and therapy in-house, reducing the need for costly external referrals while staying within the fee limits. This approach helps us deliver high-quality, cost-effective care without compromising on service. If you have questions about a procedure or what your insurance covers, our billing team is here to help. In rare cases where the fee schedule may not fully cover a specialized treatment, we’ll discuss options with you upfront—ensuring you’re always informed and in control.
At Synergy Health Partners, our priority is delivering the care you need at a fair, covered cost—giving you peace of mind throughout your recovery.
Ready to Get Started? Schedule Your Appointment Today
Your path to recovery begins with proper treatment – don’t wait to address your injuries. Early intervention can prevent complications and chronic pain down the road. Synergy Health Partners is ready to help you now.
Prefer to call? Dial 947.243.2604 to schedule an appointment (our lines are open Monday–Friday, 8am to 5pm). Same-week appointments are available, we prioritize accident patients to get you in quickly. If you’re in pain or have urgent concerns, let our scheduling team know and we will expedite your visit.
- 📝 Insurance Verification: Not sure what your insurance covers or if you need a referral? No problem – our team will verify your auto insurance PIP benefits and health insurance beforehand. Simply provide your insurance info when scheduling, and we’ll do the legwork. This verification is free and comes with no obligation. It’s part of our commitment to transparency and patient advocacy.
- 🤝 We Handle the Rest: Once your appointment is set, you can relax. We’ll guide you on any documents to bring (e.g. claim number, adjuster info, imaging CDs if you have prior X-rays). When you come in, our clinicians will perform a thorough evaluation and start crafting your personalized treatment plan. We’ll also remind you about your additional benefits (like replacement services or therapy transportation options) so you feel fully supported.
- Take the Next Step: Recovering from an auto accident can be challenging, but you don’t have to navigate it alone. With Synergy Health Partners, you’ll have an expert medical team and knowledgeable insurance support by your side. Your health and peace of mind are our top priorities.
Don’t let pain or confusion delay your recovery – reach out to us today.
Experience the comprehensive care and support that countless
Michigan auto accident survivors have trusted. We’re here to help you heal, every step of the way.
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