These Auto Injury Payers are Ready for ICD-10 and These are…

As I stated in a previous article, these payers have been frustratingly quiet about what their plans are in respect to ICD-10 and virtually no information has been clearly stated online. And since PI carriers are technically exempt from HIPAA, this has led to a little anxiety and a lot of confusion from chiropractors wondering how they will bill auto injury claims after October 1, 2015.

So…over the last couple weeks we started individually contacting the largest auto insurance carriers and one by one, have found out the news. Here’s the skinny:

Auto Insurance Payers Accepting ICD-10 Codes for Chiropractic Claims 

As of October 1, 2015 the following payers are all positioned to accept ICD-10 claims and have indicated so on their corporate website, in writing (via email) or have stated so verbally on the phone:

  • Geico (click link to see web statement)

Accepting ICD-10 on October 1, 2015

Accepting ICD-10 on October 1, 2015

  • American Family Insurance

“American Family Insurance is prepared to accept ICD-10 bills effective on the mandated implementation date of 10/1/2015.  We will be able to accept ICD-9 bills for an undetermined, limited time after the change.  Providers are expected to utilize resources through the AMA or their affiliate professional organization to assist with questions related to the ICD-10 change.” (via email from claims supervisor)

  • Progressive

Will accept ICD-10 codes October 1 although they could not reference this in writing on their website. (information provided via phone from claims supervisor)

  • Country Financial

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • Farmers

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • Nationwide

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • Safeco

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • Liberty Mutual (they are the same company as Safeco)

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • Travelers

October 1, 2015 accepting ICD-10 (information provided via phone from claims supervisor)

  • AAA

October 1, 2015 ICD-10 (information provided via phone from claims supervisor)

Clueless or Conspired Against Us?

Two major auto insurance carriers either have clueless representatives or they are not providing any helpful information to providers as to their ICD-10 plans. (Note: I realize that there is a chance, on any given day, that we have repeatedly contacted the “B” team and I’m certainly willing to revise this list if either of these companies provide us with more info.)

  • Allstate

Our attempts to contact Allstate and find any written policy online were futile. Interestingly enough, an Allstate claims supervisor stated this was a question for an adjustor but wouldn’t transfer our calls to an adjustor without an actual claim. Thumbs down for customer service!

  • USAA

Similarly, USAA did not have any written policy online. Worse, their representatives could not provide an answer to when they would be accepting them. Worse still, the claims adjuster we spoke to could not even provide us with another knowledgeable person to actually answer the question! Two thumbs down!

What to Do Next

Based on this list and according to the rationale I explained in my previous article, I would act on the premise that all auto insurance carriers will transition to ICD-10. The list above is comprised of the largest PI payers in the country and represents the vast majority of all auto insurance business marketplace.  Obviously, the disclaimer is that many of these payers only gave their plans verbally, so you should perform your own due diligence.

That said, even if our two clueless holdouts were to stay in ICD-9, to keep things simple, go with what most carriers are transitioning to (ICD-10) and make any others the exception to the rule.

Certainly, I understand there are a few dissenting opinions out there but the auto insurance trump card is simply this: they are in business to make money. And which codeset is likely to cause more problems? Since you are less familiar with ICD-10, you are more likely to have trouble navigating these new codes and that trouble will favor the payer’s ability to deny or delay your claims and thus keep their money for a little longer.

Finally, armed with this information, your next step should be to get all your current PI patients ready for the transition by “pre-coding” their claims now. For a more detailed description of how to do this, see my previous article on 3 Simple ICD-10 Pre-Coding Steps To Save Transition Time in Your Chiropractic Office. 

Still not ready for ICD-10?

Your time is running out! Register for our online ICD-10 Implementation Course for Chiropractors and Their Staff which is self-paced, available 24-7 and can help get you ready for the big transition quickly!