FL Chiropractor Claims Allstate Unlawfully Reduces Personal Injury Payments

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Allstate Property and Casualty Insurance Company is facing a proposed class action lawsuit filed at the beginning of October by a Florida chiropractic business that claims the defendant failed to fully reimburse it for providing covered treatments to a woman insured under an Allstate Personal Injury Protection plan. According to the complaint, the woman was injured in an automobile accident and sought treatment at the plaintiff’s facility, for which the defendant covered only $59.18 of the $60.38 it was supposedly required to pay for each session. The supposed two percent discount Allstate added to the repayments, the suit argues, should have only applied to Medicare claims and not private payers.

The complaint argues that the potentially unlawful reduction was the result of Allstate’s misinterpretation of a rule set up by the Department of Health and Human Services in 2009 that allowed for the reimbursement of certain chiropractic claims to be reduced by two percent “for Medicare claims only." Instead, the suit alleges, Allstate has improperly applied the reduction to all repayments for certain chiropractic treatments performed by the plaintiff and other healthcare providers.