You focus on treating patients. We focus on getting you paid.
At RAM Law, we represent Michigan medical providers in disputes involving unpaid, underpaid, delayed, and wrongfully denied No-Fault insurance claims.
We understand that every unpaid medical bill affects your bottom line. Whether an insurer has denied treatment based on an Independent Medical Examination (IME), improperly reduced your reimbursement under Michigan’s No-Fault fee schedule, or simply failed to pay, our firm is prepared to pursue the compensation your practice is legally entitled to receive.
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Jury trials to verdict
Fully bilingual counsel
What sets us apart? We’re not afraid of going to trial, even if it’s just for one date of service. We don't just fight to recover your unpaid bills, we also fight to protect the money your practice keeps.
RAM Law has successfully negotiated separate attorney-fee payments from insurance companies, allowing medical provider clients to recover 100% of their outstanding fee schedule ledger in those cases without a deduction for attorney fees.
We believe healthcare providers who have already performed the work deserve aggressive, knowledgeable representation when insurance companies refuse to pay.
RAM LAW — Relentless Advocacy. Real Results.
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When an insurance company refuses to pay for medically necessary treatment, it creates a financial burden on the very providers who are caring for injured patients.
Medical offices invest significant resources in patient treatment, staffing, equipment, supplies, and operations. Delayed or denied reimbursement can disrupt cash flow and create unnecessary financial pressure.
At RAM Law, we take a comprehensive approach to medical provider collections.
We pursue recovery of:
Our goal is not simply to resolve a claim quickly. It is to pursue the full amount legally recoverable and protect our clients’ financial interests throughout the process.
Many healthcare providers assume that hiring an attorney means sacrificing a substantial percentage of their recovered medical bills to pay legal fees.
At RAM Law, we recognize that the amount a provider ultimately retains is just as important as the amount recovered.
Our attorney has successfully argued for and obtained separate attorney-fee payments, resulting in medical provider clients receiving 100% of their outstanding fee schedule ledger in those matters.
Rather than automatically accepting a settlement where legal fees are deducted from the provider’s reimbursement, we evaluate opportunities to negotiate or pursue attorney fees separately from the underlying medical benefits.
When justified by the circumstances, we advocate for the insurer to pay those fees in addition to resolving the outstanding medical bills.
This approach reflects our commitment to maximizing recovery while minimizing the financial impact of litigation on the provider.
You earned the reimbursement. We fight to help you keep it.
These results arose from specific matters and are not a guarantee of future recovery. Separate attorney-fee payments depend on the facts, applicable law, negotiations, and terms of representation.
RAM Law represents medical practices, healthcare businesses, and professionals who provide treatment and services to individuals injured in motor vehicle accidents.
Our clients may include:
Whether your practice has one substantial unpaid claim or hundreds of outstanding accounts, we can review your billing records and identify potential opportunities for reimbursement.
Insurance companies frequently dispute medical provider claims for reasons that may not withstand scrutiny.
Our firm handles a range of No-Fault reimbursement disputes.
Insurance companies often rely on examinations performed by physicians they select to justify terminating or denying benefits.
However, an IME report does not automatically establish that treatment was unnecessary or unrelated to an automobile accident.
We examine the medical records, treating physician opinions, and insurer’s stated reasons for denial to determine whether the decision can be challenged.
Michigan’s No-Fault fee schedule requires careful application of statutory reimbursement rules.
We review disputed reimbursement calculations involving Medicare-based rates, applicable provider classifications, CPT codes, historical charges, and services without established Medicare reimbursement amounts.
Where an insurer has improperly reduced payments, we pursue the additional reimbursement supported by law.
An insurance company cannot simply ignore properly supported claims without potential legal consequences.
When PIP benefits become overdue, Michigan law generally provides for 12% annual simple interest under MCL 500.3142.
We evaluate outstanding balances and applicable interest to determine the amount legally owed.
Insurers may argue that treatment was excessive, unreasonable, unrelated to the accident, or attributable to a preexisting medical condition.
We assess the medical evidence and billing documentation to challenge unsupported denials.
Disputes involving policy coverage, rescission, priority of payment, or Michigan Assigned Claims Plan eligibility can leave providers waiting for reimbursement.
We review the available coverage information to identify potential payment sources and legal remedies.
Billing and coding issues can lead to significant underpayments, particularly when insurers improperly apply reductions or dispute billed procedures.
Our firm evaluates the insurer’s reimbursement methodology and supporting explanations of benefits to determine whether additional amounts may be recoverable.
Michigan law provides important protections for qualifying medical providers who render covered treatment, products, services, or accommodations to individuals injured in automobile accidents.
Medical providers may bring direct actions against No-Fault insurers, or the Michigan Assigned Claims Plan when applicable, to recover overdue benefits for covered products, services, or accommodations.
Michigan law establishes limitations and requirements governing reimbursement for medical treatment and services.
Determining the appropriate reimbursement may require a detailed analysis of the applicable statutory fee schedule, service dates, Medicare reimbursement information, and provider-specific circumstances.
Overdue PIP benefits generally accrue simple interest at an annual rate of 12%, subject to the statutory requirements.
In qualifying cases, reasonable attorney fees may be assessed against an insurer when overdue benefits were unreasonably denied or delayed.
Attorney fees are not automatic, and the availability of statutory fees depends on the facts and the court’s findings.
At RAM Law, we examine all applicable avenues of recovery rather than looking only at the unpaid principal balance.
Provider litigation requires more than general familiarity with Michigan automobile insurance law.
It requires an understanding of medical billing, fee schedules, payment ledgers, explanations of benefits, reimbursement calculations, insurance company defenses, and the financial consequences of delayed payment.
At RAM Law, we combine litigation advocacy with a detailed, financially focused approach to reimbursement disputes.
We review billing ledgers, explanations of benefits, payment records, and reimbursement calculations to determine whether the insurer has properly paid the claim.
We evaluate the availability of statutory interest and attorney fees, and we have successfully obtained separate attorney-fee payments that allowed clients to retain their full outstanding fee schedule balances in specific matters.
Insurance companies do not always resolve legitimate claims voluntarily. When necessary, we are prepared to pursue litigation and present the evidence supporting the provider’s claim.
Medical providers deserve to know what is happening with their claims. We believe in clear communication, realistic expectations, and keeping clients informed throughout the legal process.
Whether your business has a single large unpaid account or a substantial portfolio of denied claims, we can assess the disputes and recommend an appropriate strategy.
20+
Jury trials to verdict
14 Years
Practicing law
EN / ES
Fully bilingual representation
