What is the name of your state? Colorado
I'll try to make this as short as possible...
Bad auto accident, have been getting treatment for 2 years. All doctors/therapists agree that I am still making "slow steady progress" and that I am nowhere near MMI.
Insurance adjuster lady ordered 2 IMEs, the neurologist I ended up with is one of those who apparently makes her living on IMEs (wish I had been able to weed her out) and has determined that I am at MMI and need no further treatment, and do not even need pain medication. I was floored.
The chiropractor IME recommended additional physical therapy, chiropractic, massage therapy, pain meds as needed and when done with physical therapy, a gym membership and pool membership to continue treatment on my own when I am ready.
By the way, the chiropractor told me that he only does one or two IMEs per year. Hence the difference in opinions, the non-scab recommends more treatment, while the scab aka:"I suck as a doctor and the only way I can earn a living is to suck up to the insurance companies and say their customers don't need more treatment when they do" says I am fine and shouldn't need to see another doctor as long as I live.
What is the likelihood, if I decide to get an IME at my expense, that I can get a fair decision this time? If they use the same method of generating a list of 5 docs, and I strike two names, insurance strikes two names, I go to the one left... is there a way to find out if a doctor is one of these insurance scabs beforehand?
How much will this cost me? I have heard $200-$1000. This is for a basic neurological exam, not the 8 hour neuro-psyche testing. What other options do I have?
The insurance lady wouldn't even give me the phone number of the state insurance commision so that I could get the process started. She said if I was going to dispute the original IME findings, she wasn't going to help me.
Has anyone had any experience with this stuff, or have any advice that is helpful? Thanks in advance...