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Payment by ICBC for treatment.
- Will ICBC cover the cost of physiotherapy, chiropractic, massage therapy, or dental treatments?
- Your insurance policy with ICBC states that ICBC shall "pay as benefits all reasonable expenses incurred by the insured as a result of the injury for necessary medical, surgical, dental, hospital, ambulance or professional nursing services, or for necessary physical therapy, chiropractic treatment, occupational therapy or speech therapy or for prosthesis or orthosis. "
This, however, is subject to a few conditions:
- If you have an extended health policy that covers such treatments, ICBC does not have to pay for any treatments until you have exhausted your coverage under this policy. This can be unfavorable if you plan to use your annual allowance for treatment under your extended health policy for another medical condition. Fortunately, adjusters frequently don't enforce this condition.
- ICBC will rarely agree to pay for more than one type of treatment at a time.
- ICBC has to pre-approve a certain number of treatments.
- You will need a medical or dental recommendation for the specific treatment. While this usually comes from your family doctor in a medical report form completed early in your claim, a note from your doctor may suffice.
- ICBC will only pay fees in the amount set out in its regulations, even though many physiotherapists, chiropractors and massage therapists charge more. As a result, you may have to make up the difference—up to $40 for the first appointment, and $10 to $20 for each subsequent appointment. This can be very onerous for injured people who are not employed. Some practitioners do base their fees on ICBC's prescribed schedule, however, so phone around to compare fees. You may not have to pay a user fee.
ICBC will often reimburse your user fees on a monthly basis if you did not cause the collision. Ask your adjuster if ICBC is willing to do this for you. If so, the reimbursement will be considered an advance on your final settlement or court award. If you would like help dealing with ICBC and an ICBC Claim Adjuster, let us help.