Tip #6: Don't Ignore the PIP

  • Why it matters: NJ doctors have increasingly started to refuse patients that are injured as a result of motor vehicle accidents.  The reason appears to be that the NJ PIP preauthorization procedures coupled with a low PIP fee schedule, hinders their ability to practice good medicine and make a fair profit.

  • What you should do: Confirm that your health insurance plan allows you to make “health insurance as Primary (HIP)” over PIP.  Also consider the value of any PIP option 1-16 that might be on your policy as the cost of these options may be high in relation to the benefits.

  • TIP: If you carry a high deductible health plan, PIP might pay the bills below the deductible even if you choose the HIP option.