Your treatment plan
What a normal treatment plan looks like after a car accident.
Care after a crash is simpler than it looks: one evaluation, four phases and a final exam over about 16 weeks. Care starts without waiting for benefits to be verified, and our team handles the billing.
After a crash, everything feels like a question.
6 common questions, each with a short answer and the part of your plan that answers it in full.
1 of 6
Where do I even start?
Urgent care, your family doctor, a specialist. It is hard to know who should see you first.
Short answer
With one physician exam. A physician examines you, talks through the accident and what has changed, and writes your plan.
2 of 6
How long will this take?
Nobody has given you a timeline, so recovery feels open-ended.
Short answer
A typical plan runs 16 weeks: 12 weeks of care, then 4 weeks at home. With every appointment kept, as few as 12.
4 of 6
What about pain medication?
You want relief without starting something that is hard to stop.
Short answer
Your physician talks through pain care with you at your evaluation. The medication policy is below.
5 of 6
Will my insurance go up?
You want care now without a surprise at renewal.
Short answer
In Colorado, your insurer can't raise your rates because of an accident that wasn't your fault, and opening a claim for that accident doesn't change that.
6 of 6
How will I pay for care?
Bills can arrive long before anyone explains who pays for what.
Short answer
Care starts without waiting for every benefit to be verified. Our team works out which coverage applies and handles the billing.
How your plan works
Your plan, from the first exam to the last.
18 therapy visits, 6 physician visits, 16 weeks, or as few as 12 with every visit kept. Each therapy visit includes physical therapy and massage.
- Week 0EvaluationCoverage and billing
- Weeks 1 to 4ReliefAppointments and records
- Weeks 5 to 8Restore
- Weeks 9 to 12ReturnCoverage changes
- Weeks 13 to 16RetainCase contact · Referrals arranged
- Week 16DischargeFinal records
Diagnostics, if your exam calls for it Imaging: MRI, CT, X-ray
Specialists, if your exam calls for it Concussion care, Psychology, Orthopedics, Interventional pain
Through settlement One case manager, from the first visit through settlement.
Step 1 of 6 · Week 0 One physician visit. No therapy visits yet.
Evaluation
It starts with one physician exam.
At your visit. A physician examines you, talks through the accident and what has changed, and writes your plan. Who you see. Your physician, who sees you again at week 2 and at the start of each phase. Your case manager, from the start. Pain care. Medications and after hours. Your physician talks through pain care with you at your evaluation.
Progress. You leave with your plan, in writing. What comes next. Relief starts in week 1. Your physician sees you again at week 2.
Your case. Coverage and billing. Care starts without waiting for benefits to be verified. Our team works out which coverage applies and handles the billing.
Step 2 of 6 · Weeks 1 to 4 8 therapy visits, 2x a week. Physician visit: week 2.
Relief
First, manage the pain.
At your visits. Every therapy visit pairs physical therapy with massage, because strength and soft tissue both matter. Who you see. A physical therapist and a massage therapist at every therapy visit. Your physician at week 2.
Progress. The focus of these 4 weeks is managing the pain. What comes next. Restore starts at week 5, with a physician visit that checks the plan still fits. Keep every appointment and this phase can finish about a week sooner.
Your case. Appointments and records. Your case manager coordinates your appointments and records, and is your contact for case status.
Step 3 of 6 · Weeks 5 to 8 6 therapy visits, 2x, then 1x a week. Physician visit: week 5.
Restore
Then rebuild strength and mobility.
At your visits. Each therapy visit includes physical therapy and massage. A physician visit at the start of the month checks that the plan still fits. Who you see. A physical therapist and a massage therapist at every therapy visit. Your physician at week 5.
If you need a specialist. Your physician refers you when your injury needs a specialist or a surgeon, and your plan adjusts around that care. Progress. Visits step down from two a week to one as you get stronger. What comes next. Return starts at week 9, with a physician visit that checks the plan still fits.
Step 4 of 6 · Weeks 9 to 12 4 therapy visits, 1x a week. Physician visit: week 9.
Return
Return to the things your days ask of you.
At your visits. Functional training: lifting, turning, driving and the movements your work and home need. Each therapy visit includes physical therapy and massage. Who you see. A physical therapist and a massage therapist at every therapy visit. Your physician at week 9.
Progress. The work turns to the movements your work and home need. What comes next. Retain starts at week 13 with a physician visit. From then on, a home program carries the plan.
Your case. Coverage changes. If your coverage changes or runs low, tell the billing team and ask which payment choices apply.
Step 5 of 6 · Weeks 13 to 16 At home. Physician visit: week 13.
Retain
Keep your progress on your own.
At your visits. No therapy visits. One physician visit at week 13 opens the phase. Who you see. You, carrying the home program. Your physician at week 13. Your case manager stays your contact.
Progress. A home program confirms your progress holds. What comes next. Discharge at week 16: a final physician exam closes the plan.
Your case. Case contact. No therapy visits these weeks. Your case manager stays your contact for case status and appointments.
Your case. Referrals arranged. If your physician orders imaging or a specialist consultation, your case manager arranges it.
Step 6 of 6 · Week 16 One physician visit, the last of 6.
Discharge
A final physician exam closes the plan.
At your visit. Your physician sees you for the last visit of the plan. Who you see. Your physician. The billing team, for any questions about a remaining balance.
Progress. A typical plan runs 16 weeks. Patients who make every appointment can finish in as few as 12. What comes next. Records and billing questions can continue past discharge.
Your case. Final records. After your final exam, ask how to request final records, and ask the billing team about any remaining balance.
Your plan in numbers
A typical plan runs 16 weeks.
- Therapy visits
- 18
- Physician visits
- 6
- Weeks of care
- 16
If you miss a week, your plan continues. Call the clinic to reschedule as soon as you can; keeping every visit is what lets each phase finish sooner.
Care and services
What we do, and what we do not do.
We do
Personal injury evaluations, second opinions and limited-scope care for accident injuries, with referral to a surgeon or specialist when you need one.
We do not
We do not provide primary, emergency or unscheduled care.
Medications and after hours
No narcotic or habit-forming medications after the acute phase of your injury (usually ten days); long-term pain care is referred to a specialist. No refills after hours.
For a non-emergency after hours, call your primary care physician or an urgent care.
Emergency? Call 911.
Common questions about your plan
How long is treatment after a car accident?
A typical plan runs 16 weeks: 12 weeks of care, then 4 weeks at home to confirm your progress holds. Plans are tailored, and patients who make every appointment can finish in as few as 12 weeks.
How often are visits?
Twice a week in the first month, stepping down to once a week by the third month, then a home program. Each therapy visit includes physical therapy and massage.
Do I see a doctor?
Yes. A physician examines you at your evaluation, at week 2, at the start of each later phase and at discharge: 6 physician visits in a typical plan.
Do you prescribe pain medication?
No narcotic or habit-forming medications after the acute phase of your injury (usually ten days); long-term pain care is referred to a specialist. No refills after hours. Your physician talks through pain care with you at your evaluation.
What if I miss a week?
Your plan continues. Call the clinic to reschedule as soon as you can; keeping every visit is what lets each phase finish sooner.
What if I need a specialist or surgeon?
Your physician refers you when your injury needs a specialist or a surgeon, and your plan adjusts around that care.
Cost and insurance
How will I pay for care?
Care starts without waiting for every benefit to be verified. Our team works out which coverage applies and handles the billing, so you can focus on recovery. What each source pays depends on your coverage and your claim. Before a health-care provider lien is created, Colorado law requires an explanation of your payment choices and rights; ask for any terms in writing.
Your payment paths
Last verified 2026-10-13. For informational purposes only. Not legal advice.
MedPay on your auto policy
Medical payments coverage pays qualifying accident-related health expenses regardless of fault. Colorado requires an offer of $5,000 in coverage, which you may reject. Check the remaining balance, since earlier bills reduce it.
regardless of fault
Colorado Division of Insurance: Medical Payments Coverage
Health insurance and other auto coverage
Bring your health insurance details, if you have them; our team works out which coverage applies. Uninsured or underinsured motorist coverage may apply when the other driver has no insurance or too little. A liability claim against another driver is a separate claim.
benefits available from any payer of benefits
C.R.S. 38-27.5-104(1)(a)(II): payment choices
A lien when another person caused the injury
A health-care provider lien concerns care for an injury caused by another person and money from a third-party or uninsured or underinsured motorist claim. Before one is created, payment choices and rights must be disclosed. Subject to the statute's fraud and misrepresentation exceptions, nothing is owed on the lien if nothing is recovered, and liability is limited to net recovery if it is less than the lien.
negligence or wrongful acts of another person
C.R.S. 38-27.5-102(2) and 104(1): when a lien applies
Charges and statements
The lien cannot exceed usual and customary billed charges or include a finance charge. You can request an itemized statement as charges accrue, to the extent practicable, and when the lien is final.
shall not add a finance charge
C.R.S. 38-27.5-105(1)-(2) and 104(3): charges and statements
If you have no coverage, or it runs out
If you have no coverage, or it runs out during care, tell the billing team. Bring your health insurance details, if you have them, ask which payment choices apply and get any terms in writing.
Will this raise my insurance rates?
In Colorado, your insurer can't raise your rates because of an accident that wasn't your fault, and opening a claim for that accident doesn't change that. Using the MedPay on your policy can't raise your rates either, even if you caused the accident. If you caused the accident, the accident itself can still affect your rates, and a general rate increase filed with the state can apply to every policyholder. We cannot predict your premiums or renewal terms, so ask your insurer how the accident may affect your policy.
What Colorado law says
Last verified 2026-10-13. For informational purposes only. Not legal advice.
If the accident was not your fault
C.R.S. 10-4-628(1)(a) protects a complying Colorado auto policy from an increase because of a not-at-fault accident. A general increase filed with the commissioner can still apply. The protection also covers household members and permissive drivers.
accidents that are not the fault
C.R.S. 10-4-628(1)(a): not-at-fault accidents
If an uninsured driver hit you
When you were not at fault, C.R.S. 10-4-611 bars reducing or removing rating discounts because of that collision. C.R.S. 10-4-628(3) gives you the right to complain to the Division of Insurance if the not-at-fault protection is violated.
right to file a complaint
C.R.S. 10-4-611 and 628(3): discounts and complaints
If you caused the accident or fault is unclear
The Division of Insurance lists at-fault accidents and general rate increases among causes of higher premiums. Fault is decided outside this clinic. Ask your insurer how it will treat the accident and any claim.
Moving violations and/or at-fault accidents
Colorado Division of Insurance: what raises premiums
Before an increase takes effect
For an increase covered by C.R.S. 10-4-629, notice must be mailed at least 30 days before it takes effect, with the amount, reasons and complaint rights. This rule excludes policies in effect less than 60 days unless they are renewals.
thirtieth day before the effective date
C.R.S. 10-4-629(2) and (9): notice before an increase
About a MedPay claim
Colorado's auto insurance consumer protection rule says an insurer may not raise the premium on a complying policy based on claims paid under medical payments coverage. This applies whether or not you were at fault. A general rate increase filed with the commissioner can still apply.
Claims paid under medical payments or uninsured motorist coverage
3 CCR 702-5, Regulation 5-2-12, section 5.B.1.c: MedPay claims
Who handles my bills and records during care?
Your case manager. Every patient is assigned one to coordinate appointments, specialist referrals and records. Our billing team handles the billing and answers questions about your bills. If you have an attorney, ask your case manager how to authorize the records they need.
Keep your contacts with your plan
Independent clinical decisions; one point of contact for records.
Last verified 2026-10-13. For informational purposes only. Not legal advice.
While care continues
Keep your case manager's contact and the billing team's with your plan. Ask where each bill is going and how you can request a copy of your records.
At the final exam and afterwards
Ask how to request your final records, and ask the billing team for a breakdown of any remaining balance. For care under a health-care provider lien, the statute provides for an itemized statement on request.
an itemized statement
C.R.S. 38-27.5-104(3): itemized statements
Start with your evaluation.
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