Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
When you file an injury claim in Michigan, medical records and bills demonstrate your damages. Follow these steps to gather and submit documentation that meets legal and insurer requirements.
1. Identify All Healthcare Providers
List every provider who treated or evaluated you for this injury. Include hospitals, urgent care centers, primary care physicians, specialists, physical therapists and imaging centers. A complete list prevents gaps in your record.
2. Request Records Under HIPAA and Michigan Law
Prepare a written request that complies with HIPAA standards. Send it to each provider’s records department by certified mail or secure electronic portal. Michigan law (Michigan Compiled Laws § 333.26261) requires providers to respond promptly. You can review the statute here: MCL 333.26261.
3. Obtain Itemized Medical Bills and Explanation of Benefits
Ask each provider for an itemized statement showing services, dates and charges. Obtain insurance Explanation of Benefits (EOBs) to show payments or write-offs. These documents prove the amount you owe and what benefits you received.
4. Organize Records Chronologically
Scan or copy each record and bill. Label files by date and provider. Create a simple index or timeline. Organized files help your attorney or claims adjuster follow the course of treatment.
5. Prepare a Covered Expense Summary
Draft a spreadsheet that lists each date of service, provider name, billed amount, insurance payment and your balance. This clear overview highlights your out-of-pocket losses.
6. Submitting to Insurers or Opposing Counsel
Include the following in your submission packet:
- The records release authorization signed by you (HIPAA release).
- All medical records, bills and EOBs, organized chronologically.
- Your covered expense summary spreadsheet.
- A cover letter referencing relevant law. If you file a no-fault auto claim, Michigan law (MCL 500.3142) requires you to present bills within one year of the crash: MCL 500.3142.
Send the complete packet by certified mail or through the insurer’s electronic portal. Retain proof of delivery.
Helpful Hints
- Request records early—providers have limited time to deliver under MCL 333.26261.
- Pay nominal copying fees when necessary to avoid delays.
- Review records for accuracy—correct errors promptly.
- Keep originals and share only certified copies.
- Follow up with insurers within 30 days of submission to confirm receipt.
- Maintain a communication log with dates, names and summary of each call or email.
- Consult a Michigan personal injury attorney if the insurer denies coverage or undervalues your losses.