Your Questions
Answered Simply

Michigan is a No-Fault state, which means after a car accident, your own auto insurance pays for your medical expenses regardless of who caused the accident. This coverage is called Personal Injury Protection, or PIP. It covers all reasonably necessary medical care, including doctor visits, hospital stays, prescription medications, and home health services like nursing and therapy.

Yes, a physician order or prescription is required to initiate home health services. If you do not already have one, our intake coordinators can work with your treating physician to obtain the necessary authorization. Call us and we will walk you through the process step by step.

Under Michigan No-Fault law, you are entitled to receive medical benefits for as long as the care is reasonably necessary for your recovery. There is no automatic cutoff date. The duration of your benefits depends on your specific injuries and ongoing medical need, which our clinicians document with each visit.

Insurance companies sometimes deny or limit benefits, but that does not always mean the denial is correct or final. If you believe you need home health care following a car accident, contact us and we will help you understand your rights. We also recommend speaking with a Michigan personal injury attorney who can advise you on disputing a denial at no cost to you.

Yes. Passengers injured in a motor vehicle accident are generally covered under Michigan No-Fault through the driver’s policy, or in some cases through your own auto insurance policy. Our intake team can help identify the correct insurer to bill based on your situation.

We provide a full range of skilled home health services including Registered Nurse (RN) and Licensed Practical Nurse (LPN) visits, Physical Therapy (PT), Occupational Therapy (OT), Speech-Language Therapy (SLP), Home Health Aide assistance, and care coordination. All services are provided in the comfort of your home by licensed Michigan clinicians.

We move quickly. Once a referral is received and we have confirmation of No-Fault coverage and a physician order, our intake team contacts you within 24 hours and services typically begin within 48 hours. Call us as soon as you need care — delays in starting care are never in your best interest.

We make every effort to assign consistent clinicians to each patient. Consistency is important for building trust and monitoring your recovery progress. While scheduling needs may occasionally require a substitute clinician, we prioritize continuity of care for every patient we serve.

We serve patients across Michigan, with strong coverage in the Saginaw, Bay, Midland, Genesee, Isabella, Clare, and surrounding counties. If you are unsure whether we serve your area, call us at (989) 890-1659 and we will let you know right away.

No. We bill your auto insurance company directly through Michigan No-Fault. There is no copay, deductible, or out-of-pocket expense to you for covered services. If there is ever a coverage question, we will work with you and your insurer to resolve it before services begin.

Getting started is simple. Call us at (989) 890-1659 or have your attorney, case manager, or physician submit a referral online. We will need basic information about your accident, your insurance carrier, and your physician. Our intake team handles everything else and will keep you informed every step of the way.

It helps to have your auto insurance company name and claim number, your treating physician’s name and contact information, and a brief description of your injuries. If you have an attorney or case manager, their contact information is also helpful. Do not worry if you do not have everything — we can help you gather what is needed.

Yes. Attorneys, case managers, physicians, and family members can all submit a referral on your behalf. We have a simple online referral form and we can be reached directly by phone. The sooner you reach out, the sooner we can get your care started.