PIP / MedPay Claim (auto insurer-specific) · Auto Insurance Companies
Claim for Personal Injury Protection (PIP) or Medical Payments (MedPay) coverage under an auto insurance policy to pay for medical expenses resulting from a car accident, regardless of fault.
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Mail to your auto insurance company's claims department
File through your auto insurer's website or mobile app
Fax to the auto insurer's claims department
Filing Deadline
Varies by state — typically 30-90 days from the date of the accident. Some states allow up to 1 year. Check your policy and state law.
Initial claim acknowledgment within 7-14 days. Payment of accepted bills typically within 30 days.
The auto insurer will review medical bills and may request additional documentation. Accepted bills are paid up to your PIP/MedPay policy limit.
PA Request (insurer-specific) · Health Insurance Plans
Request for approval of surgical procedures, imaging studies, specialist referrals, or other services requiring pre-authorization. Must demonstrate medical necessity.
Pharmacy PA (insurer/PBM-specific) · Health Insurance Plans / PBMs
Request for coverage of formulary drugs requiring PA, non-formulary drugs, or override of step therapy, quantity limits, or other utilization management edits.
Step Therapy Exception · Health Insurance Plans / PBMs
Request to bypass step therapy requirement and proceed directly to a preferred or non-preferred drug. Must document why first-step drugs are not appropriate for the patient.
Tiering Exception · Part D Plans / Commercial Insurers
Request to obtain a non-preferred drug at the lower cost-sharing tier. Prescriber must provide a supporting statement documenting why the lower-tier alternatives are not appropriate.
Specialty PA (insurer-specific) · Health Insurance Plans / Specialty Pharmacies
Prior authorization request for high-cost specialty medications including biologics, gene therapies, and other complex drugs. Requires detailed clinical criteria documentation.
DME PA (insurer-specific) · Health Insurance Plans / Medicare MACs
Request for coverage of wheelchairs, CPAP machines, hospital beds, prosthetics, orthotics, and other durable medical equipment.
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