No Fault -Independent Medical Examinations (IME's)

Can you ask for another IME from your  no fault insurance carrier ?

Yes. You can call your No Fault insurance claims representative and  request another IME.  Demand it.Explain why you are not satisfied with the outcome when your No Fault benefits are cutoff. I have known patients to do this and successfully get another exam set up.  Not all requests are answered with a yes. It depends on your carrier and how well you address your complaint. I hear it all the time of a 5 minute exam or less where there is almost no conversation between the Independent Medical Examination physician and the patient regarding the injuries that were sustained in the MVA and the treatment that still needs to continue. The IME physician works for the insurance carrier. They are not your treating physician. They are paid for an opinion and the carrier often stands on that opinion.

I have denials routinely come in on a patient's treatment claims this year - due to an IME that happened last year. This patient made enough phone calls to his carrier that when I call to ask for a payment reconsideration on a denied insurance claim, they do so and without hesitation.

You can open the door to more treatment if you boldly and firmly make your requests known to the insurance carrier claim representative. Don't stay silent on a treatment issue. This is about your health and getting the continued treatment you need.