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Receipts for insurance claims

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  #1  
Old 29th August 2007, 07:05 AM
victoriah victoriah is offline
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Default Receipts for insurance claims

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I am in a state of fury.

A new patient of mine has had my receipt rejected by their insurance company, because they do not cover podiatry (only chiropody) and because they do not know who the HPC are.

The kicker is this: they *do* accept receipts from non-hpc chiropodists, so my patient has declined my future services, and has decided to go back to the non-HPC registered practitioner, so that his receipts may be honored.

Why do I pay my insurance? Why am I HPC registered? I wish I hadn't ever bothered, to be honest. Especially as this patient now thinks I'm a bit dodgy and not the real thing.

I may as well have bought some instruments off the internet, and trained myself...I'd have saved a bundle on insurance, and wouldn't have wasted 3 years at University.

I phoned the HPC, who said 'what do you want us to do about it?'
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  #2  
Old 29th August 2007, 07:26 AM
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Default Re: Receipts for insurance claims

I can understand your frustration, try and contact the insurance company involved.
  #3  
Old 29th August 2007, 12:29 PM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

I phoned them today, and they say they have never heard of the HPC.

Unbelievable.
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  #4  
Old 29th August 2007, 02:03 PM
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William Fowler William Fowler is offline
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Default Re: Receipts for insurance claims

I would have thought that this a perfect case for the Society to take up and pursue.
  #5  
Old 29th August 2007, 02:10 PM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

Well, the HPC aren't interested, so I guess the only place I can go is the Society.
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  #6  
Old 29th August 2007, 02:44 PM
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William Fowler William Fowler is offline
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by victoriah
Well, the HPC aren't interested, so I guess the only place I can go is the Society.
In fairness to the HPC, I agree with them. It has nothing to do with them. The Society should take this up, not specifically your specific case, but the issue genericaly with the insurance company as it potentially impacts on the dealing of all clients of that insurance company with us. The Society do not know if this is a problem or not unless it is raised with them (it may well already be known to them?)
  #7  
Old 30th August 2007, 01:33 AM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by William Fowler
In fairness to the HPC, I agree with them. It has nothing to do with them. The Society should take this up, not specifically your specific case, but the issue genericaly with the insurance company as it potentially impacts on the dealing of all clients of that insurance company with us. The Society do not know if this is a problem or not unless it is raised with them (it may well already be known to them?)
Yes, I'll certainly get them involved now, as I have run out of options. It would have been nice if the HPC could have dropped the insurance company a line, just to let them know the importance of HPC registration. Why spend all that money on public campaigns, if you aren't going to let insurers know who you are too?

My patient (now ex-patient) is totally confuzzled by the whole thing, and thinks I am not fully qualified.
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  #8  
Old 30th August 2007, 04:15 AM
footmedic footmedic is offline
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Default Re: Receipts for insurance claims

Here is another insurance company probably don’t know the legal term of CHIROPODY TREATMENT or the existence of HPC.

HEALTHSHIELD from 1st Jan 07
Under the heading of CHIROPODY TREATMENT accepted qualifications are foothealth profession, foothealth professional, well according to HPC’s rule implying or providing chiropody/podiatry treatment is against the law.

Now what are HPC doing? I guess nothing; the HPC is quick on allegations those who are registered with them.
  #9  
Old 30th August 2007, 09:07 AM
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Default Re: Receipts for insurance claims

Hi victoriah

Quote:
they *do* accept receipts from non-hpc chiropodists
There is no such thing

If that is in their paperwork, it is illegal under advertising standard at the very least as you cannot insure someone for treatment by a non existent practitioner.

The HPC should put the insurance company right on that one.

I have had my "premises" knocked back by an insurance company !!

The were not interested in who was the practitioner but told the patient "as my premises was not registered with them they would not cover the claim"

I have given up getting involved now and just tell the patient to check with their insurance company before making the appointment with me.

I either see them or not as the case may be.

I usually tell the patients beforehand "you will probably find you are insured for everything, except making a claim" :(

Nothing new there then

Cheers

Derek
  #10  
Old 30th August 2007, 09:54 AM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by DTT
Hi victoriah



There is no such thing

If that is in their paperwork, it is illegal under advertising standard at the very least as you cannot insure someone for treatment by a non existent practitioner.

The HPC should put the insurance company right on that one.

I have had my "premises" knocked back by an insurance company !!

The were not interested in who was the practitioner but told the patient "as my premises was not registered with them they would not cover the claim"

I have given up getting involved now and just tell the patient to check with their insurance company before making the appointment with me.

I either see them or not as the case may be.

I usually tell the patients beforehand "you will probably find you are insured for everything, except making a claim" :(

Nothing new there then

Cheers

Derek
This is the thing, though: there are several non-HPC 'foot care' folk in the local area, who call themselves chiropodists, but who are not HPC-registered. That they get their receipts honored, and that I don't (because I call myself a podiatrist), is a real insult.

ETA: It does make me wonder what criteria the insurance companies look for when processing receipts. As it happens, my HPC number counts for nothing at all. As I said before...what's the point of being registered?
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  #11  
Old 30th August 2007, 10:59 AM
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Default Re: Receipts for insurance claims

Victoria

Quote:
there are several non-HPC 'foot care' folk in the local area, who call themselves chiropodists,
If you have written proof of that then the HPC have no choice but to act, Those concerned are breaking the law.

Quote:
It does make me wonder what criteria the insurance companies look for when processing receipts. As it happens, my HPC number counts for nothing at all.
Neither did mine, they were only interested in my PREMISES not being registered.

Quote:
what's the point of being registered?
Look back at many threads in this forum and others. You will see many of us feel the same way

Perhaps a review of the situation from our side ??

Podologist seems a good word ,and has no Taurean Excrement attached like the HPC

Cheers
Derek
  #12  
Old 30th August 2007, 11:41 AM
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Default Re: Receipts for insurance claims

This is exactly why I am confused. As I understood it, if you use a blade, you *have* to be HPC registered, and you have to call yourself a podiatrist. I thought chiropody was an outmoded term.

Yet my local phone book is full-to-bursting with folk called Chiropodists, many not HPC registered, and many of whom use blades. Indeed most use the 'SRCh' after their names. I thought the name 'State registered chiropodist' was a total misnomer: there being no State registration, and no such thing as chiropody.

And now this insurance business has really taken the biscuit. I'm as confused as my ex-patient!
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  #13  
Old 30th August 2007, 11:52 AM
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Default Re: Receipts for insurance claims

Hi Victoria


Quote:
I thought chiropody was an outmoded term.
The protected titles are Podiatrist AND Chiropodist

Any practitioner using either or both these titles MUST be registered with the HPC.

The SRCh is the "old guard" that wont let go of the terminology which is in fact defunct, as is the term "State Reigistered Chiropodist"

Quote:
Yet my local phone book is full-to-bursting with folk called Chiropodists, many not HPC registered
If this is as you state, please notify the HPC in writing and let us all know the outcome.

They make the bloody rules lets see if they enforce a blatant breach of them??

Cheers
Derek

Last edited by DTT : 30th August 2007 at 12:15 PM. Reason: Better explanation
  #14  
Old 30th August 2007, 01:22 PM
hrm94 hrm94 is offline
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Default Re: Receipts for insurance claims

Hi Victoria
I have every sympathy with you- the whole situation is a farce.
The names chiropodist and podiatrist are interchangeable- another problem that will never be sorted! The public are totally confused over that one!

i think you will find that foothealth professionals are quite entitled to use a blade , its just that a lot of them do not, probably due to lack of training or confidence? I have had patients in the past that have had corns filed!

Please do report misuse of title to the HPC-it will take them a long time to reply and I gather that they have yet to bring a successful case against the offender. but it does give one a good feeling to blow the whistle in the cause!

Regardng insurance-heres a good one. I do nail surgery and believed I was covered by Bupa- it turns out I am only partly registered with them, not sure which part of me that applies to- I cannot carry out nail surggery unless the patient has been referred by a consultant orthopoedic surgeon!
A GP referral does not count. The joke is that orthopoedic surgeons will carry out the op themselves at a vastly inflated price! The other option is that the consultant watches over me while I do it! I dont think so huh?

I agree with the suggestion that you contact the society and let them take it up.
regards
heather
  #15  
Old 30th August 2007, 01:39 PM
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Default Re: Receipts for insurance claims

Hi Heather et al

Quote:
I do nail surgery and believed I was covered by Bupa- it turns out I am only partly registered with them,
I de registered with them for the same reason

One minute we were then we were not then we were temporarily.

In the finish I told them to cancel any registration with them because the work and confusion involved did not merit the financial outcome. :(

They are like "direct Line etc" they have their own repairers (practitioners) who work at a set rate.

The free market does not apply

I should say "I have not missed or regretted leaving them".

Their loss not mine

Cheers
Derek
  #16  
Old 30th August 2007, 02:09 PM
Michael O`Neill Michael O`Neill is offline
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Default Re: Receipts for insurance claims

Hi All
Some insurance companies will pay for podiatry and some wont. Depends on the policy limitations. Patients must always enquire first and be referred by their GP , sometimes they also require procedures are confirmed by medical or surgical consultants , depending on the condition. The podiatrist must also be registered with the insurance companies to stop fraud. BUPA have a requirement of 5 years post registration.. The work must be undertaken by a consultant podiatrist, or you must be working with a consultant.

HSA and other orgs that pay for routine podiatry, dental optical , differ from health ins companies as these are only part funding treatment usually up to about £300 a year, and pay for 50% of the expences. HPC registration is normally a requirement, if you know otherwise please let us know at the society of Chiropodists and Podiatrists..

We are trying to expand cover by BUPA PPP etc, however it is a slow process, but we are in talks..

More people that let us know they have problems the more push we have with the insurance companies..

Michael O`Neill
  #17  
Old 30th August 2007, 03:53 PM
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Default Re: Receipts for insurance claims

Hi Michael

Quote:
BUPA have a requirement of 5 years post registration.. The work must be undertaken by a consultant podiatrist, or you must be working with a consultant
.

I actually do work with a Doctor "clinical associate specialist" in A & E who ran the regional toe clinic ,trained pods in nail surgery for over 20 years.

He does my nail surgery which has worked well for 20 years.

BUPA covered us ( we do post op repairs for them) for a long time and suddenly they had a reorganisation and we got into the now you are now your not situation.

If as it would appear you are suggesting that any nail surgery can only be done by " A Consultant Podiatrist" ( whatever one of those are ) (Explain please ?)

Then the world really has gone mad.

Nail surgery is a relatively simple procedure with minimal risk to the patient, BUT required a degree of knowledge and experience to have a successful outcome.

Quote:
The podiatrist must also be registered with the insurance companies to stop fraud.
Err we are supposed to be bound by a code of ethics and behavior as laid down by the HPC.

Should our registration # and available check on the HPC web site not be adequate evidence, or do we now have to register with every insurance company in the country many that have been shown here to have no knowledge of the regulatory body or it's principles??

Cheers
Derek
  #18  
Old 31st August 2007, 03:37 AM
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by victoriah
This is exactly why I am confused. As I understood it, if you use a blade, you *have* to be HPC registered, and you have to call yourself a podiatrist. I thought chiropody was an outmoded term.
the law is protection of title, not function :(

you can hack away to your heart's content and not be HPC reg provided you don't call yourself a podiatrist or chiropodist
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  #19  
Old 31st August 2007, 07:27 AM
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Smile Re: Receipts for insurance claims

Quote:
think you will find that foothealth professionals are quite entitled to use a blade , its just that a lot of them do not, probably due to lack of training or confidence? I have had patients in the past that have had corns filed!
[/quote]you can hack away to your heart's content and not be HPC reg provided you don't call yourself a podiatrist or chiropodist[QUOTE
]

Just to let you know that I am a Foot Health Practitioner and I have received comprehensive training at the College of Foot Health Practitioners in Blackheath UK. I am a member of the Alliance of Private Sector Practitoners and I am fully insured. I have been qualified to undertake treatments since October 2005, and I have built up a thriving and professional business. I am not some kind of "quack" which seems to be inferred in above comments and elsewhere. You may also be interested to know that the Alliance members include Podiatrists and Chiropodists who have elected to register with this professional body instead of the HPC, for whatever reason.

Anyway, in response to the above views. I have treated many pairs of feet which have in fact been treated in the past by Chiropodists, and my patients have told me that I do a better job and there are some horror stories of Chiropodists work. The same could be said of other practitioners too of course. I suppose the point I am trying to make is that just because someone is not HPC registered does not suggest that they are not qualified and as competent to undertake foot treatments. My exeprience is that they can be better!

Going back to one of original points that was being voiced re: private medical insurance claims. In my experience patients have been unsuccessful in having receipts reimbursed, because I am a Foot Health Practitioner. The Alliance have been fighting this point for some time now and I look forward to a change in the policies of such companies. In my opinion if you are trained/qualified as a professional practitioner then a patient should expect to receive reimbursement from their insurers.
  #20  
Old 31st August 2007, 09:17 AM
R.E.G R.E.G is offline
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Default Re: Receipts for insurance claims

Foot Health Practitioner.

As ever with anyone associated with the Alliance you remain anonymous.

Your post adds nothing to this debate. As a FHP, most companies offering reimbursement for fees do not recognise you.

There are two types of 'insurance', BUPA et al who reimburse for recognised treatments with no upper limit on fees, and saving funds like HSA who are like a Christmas saving club.

I think victoriah should name the company she is having problems with.

The HPC can be called to account if non registered practitioners are being reimbursed for Chiropody/ podiatry treatments.

The Society needs IMO to be more proactive.

However the British Podiatry profession does not recognise your qualifications.

What you choose to do is up to you, unfortunately the advent of the HPC did not close function.

Bob Golding
  #21  
Old 31st August 2007, 09:27 AM
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Default Re: Receipts for insurance claims

Hi Foot Health practitioner

Quote:
You may also be interested to know that the Alliance members include Podiatrists and Chiropodists who have elected to register with this professional body instead of the HPC, for whatever reason.
Then they are NOT Chiropodists & Podiatrists as you MUST be registered with the HPC to use those titles.

If they once were practicing under those titles and decided to de-register then the can only use the same title as you ( or similar)

If the Alliance is wording their membership claims on the same lines as you they are in fact breaking the law.
Cheers
Derek
  #22  
Old 31st August 2007, 10:04 AM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by hrm94

i think you will find that foothealth professionals are quite entitled to use a blade
I didn't know that! That *anyone* calling themselves a 'foot health professional' can happily hack away with a scalpel (with or without adequate training) is frankly rather scary. What exactly defines a 'foot health professional', anyway? I guess anything from a three year degree to a correspondance course...
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  #23  
Old 31st August 2007, 10:09 AM
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by R.E.G
Foot Health Practitioner.

As ever with anyone associated with the Alliance you remain anonymous.

Your post adds nothing to this debate. As a FHP, most companies offering reimbursement for fees do not recognise you.

There are two types of 'insurance', BUPA et al who reimburse for recognised treatments with no upper limit on fees, and saving funds like HSA who are like a Christmas saving club.

I think victoriah should name the company she is having problems with.

The HPC can be called to account if non registered practitioners are being reimbursed for Chiropody/ podiatry treatments.

The Society needs IMO to be more proactive.

However the British Podiatry profession does not recognise your qualifications.

What you choose to do is up to you, unfortunately the advent of the HPC did not close function.

Bob Golding
Thanks, Bob. The company in question is Western Provident Association.

I'd like to thank all for responding to my questions. I felt a bit daft for posting such basic enquiries, and for being so ill-informed about the whole insurance system...but now I'm so very pleased I did!

It's even more of a minefield than I imagined.
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  #24  
Old 31st August 2007, 10:19 AM
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by hrm94

Please do report misuse of title to the HPC-it will take them a long time to reply and I gather that they have yet to bring a successful case against the offender.
One of my patients is on the board of the HPC, as one of the leading lights of one of the other HPC professions. She has told me that non-HPC practitioners within her discipline have indeed been sued for misue of their job title.

I wonder why it hasn't yet happened within our's, given the mess it's in?
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Old 31st August 2007, 11:11 AM
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Default Re: Receipts for insurance claims

Hi Victoriah


Quote:
It's even more of a minefield than I imagined.
Quote:
I wonder why it hasn't yet happened within our's, given the mess it's in?
Lack of interest on the part of the HPC I would think ??

They have created a " bag full of holes" when it comes to regulation of this profession

The opportunity was there to " close the door and standardise" but they chose to regulate without the foresight to understand the implication of their actions.

They are the proverbial toothless tiger :( as anyone can de-regulate call themselves what they wish with no controls whatsoever

Look through this site and you will find numerous threads with the same ultimate conclusion.

Sad innit :(

Cheers
Derek
  #26  
Old 31st August 2007, 11:36 AM
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Default Re: Receipts for insurance claims

Need to bring some stability to this thread.

Alliance members do not always seek to remain anonymous, any more than R.E.G (whoever that is!).

Chiropodists and Podiatrists can and do hold Alliance membership, and the Alliance fully represents them (to the HPC and in many other ways) as any other professional body would (and probably better).

It is my understanding that FHPs trained at the College of Foot Health Practitioners receive scalpel training from the only published formalised scalpel training programme specific to work on the foot that is available. Their skills with the scalpel may be higher and better taught than yours.

I would wish to advocate caution to Foot Health Practitioner (and others) against making statements on matters s/he does not understand.
  #27  
Old 31st August 2007, 11:40 AM
victoriah victoriah is offline
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Default Re: Receipts for insurance claims

Sad, indeed, Derek.

What's worse is that I myself have undertaken time and energy to try to educate patients on the significance of being a podiatrist, and have informed them on our scope of practice...diabetes, biomechanics, rheumatology, and so on. I have had these conversations often several times a day, tiring though it is. I have banged on and on about the importance of HPC registration, even though not a single patient has heard of them.

What's the point of all that, if insurance companies do not acknowledge our expertise? What's the point if any old bod with a blade can be out there practising?

This whole thing is *really* depressing, and I am seriously wondering why I bothered with it at all.
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  #28  
Old 31st August 2007, 11:46 AM
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Default Re: Receipts for insurance claims

Quote:
Originally Posted by Johnpod

It is my understanding that FHPs trained at the College of Foot Health Practitioners receive scalpel training from the only published formalised scalpel training programme specific to work on the foot that is available. Their skills with the scalpel may be higher and better taught than yours.
I am guessing this programme is not three years in duration?

In which case, given that FHPs have possibly better scalpel skills than myself (first class degree notwithstanding)...perhaps I should have trained as an FHP and not a podiatrist?
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Old 31st August 2007, 12:00 PM
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Default Re: Receipts for insurance claims

Hi Johnpod

Quote:
I would wish to advocate caution to Foot Health Practitioner (and others) against making statements on matters s/he does not understand.
My point exactly

Cheers
Derek
  #30  
Old 31st August 2007, 12:15 PM
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Default Re: Receipts for insurance claims

Hi Victoriah

I
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have banged on and on about the importance of HPC registration, even though not a single patient has heard of them
But I bet they all know the "cheapest" footcare available in your area ??

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What's the point if any old bod with a blade can be out there practising?
Oi !!


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given that FHPs have possibly better scalpel skills than myself (first class degree notwithstanding)...
A word of advice ( from an oldun) DON'T confuse academic skills with clinical skills the two DON'T necessarily go together

Cheers
Derek
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