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.

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• 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.

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