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6. Continuing to suffer episodic neck pain as a direct result of the accident, Plaintiff
returned to Dr. Kretzlng on August 31, 1993 and on September 30, 1993, and resumed treatment
and therapy which continued until February 3, 1994.
7. Dr. Kretzlng referred Plaintiff to Dr. Daniel Hely, of Carlisle, Pennsylvania, an orthopedlo
specialist for evaluation and treatment.
8. At the time of the accident, Plaintiff was Insured by a policy of Defendant. Defendant
assigned Claim No. 38-6537.289 to her case.
9. Pursuant to the Motor Vehicle Financial Responsibility Act (MVFRA) 75 Pa. C.S.A.
S1701 et seq., Defendant Insurance company submitted Plaintiff's claim to the Consolidated
Rehabilitation Company (CRC), a certified Peer Review Organization, fQr an evaluation of whether
the treatment received by Plaintiff was reasonabla and necessary.
10. CRC Initially determined that none of the treatment and therapy provided to Plaintiff
alter March 10, 1993 was reasonable and necessary. A copy of the determination Is attached
hereto as Exhibit 'A'.
11. Pursuant to 75 Pa. C.S.A. 51797 (b)(2) , Plaintiff's physician, Dr. Harold Krltzlng,
requested reconsideration of the Peer Review Organization's Initial determination. A copy of Dr.
Kretzlng's raquest for reconsideration Is attached hereto as Exhibit 'B'.
12. Upon reconsideration, CRC initially determined that all the treatment and therapy
provided to Plaintiff until November 9, 1993 was reasonable and necessary. A copy of the
reconsideration Is attached hereto as Exhibit 'C'.
2
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Consolidated Rehabilitation Company
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A comprehenlive
Pur Flevlew Or.lnlullon
certified by Ihe
Commonwealth of Pennlylvama
CONF1DENTlAL REPORT
Mar-ch 9, 1994
Ma. Becky pastor, AN
Medic::.al IlApruentative
Conaolidated Rehabilitation Co,
HARRISBURO
ttAR 16 1894
RECEtVED
1\.: Mary ShaMon
Claim '36 6537 2B9
D/A: 11/11/92
Dear Ms. Pastor,
At the r~est of CRC, I reviewed certain llIlIdical recorda for medical eare
render~ to the claimant, Mary ~on tor purpoHS of a peer review analysil.
The recorda lIhich I reviewvd included the follO'oling r llecord8 from the offi~s
of. Alexander Sprir~ Rehabilitation dat~ 11/23/92-1/22/93 and 9/30/93-1/13/941
records from the lelvedere Me4ical Center of 11/l3/92~2/7/94: x-ray reports
of 8/31/93 and MRI ac:an of 9/17/93: bil1inci fra:n the offi~ of Dr. Filip:
recor:da ficitl the office of Dr. Hac&1uao: Ell. recorda and ArB.
a.INICAL IIIS1'tRY
'1'he elaimAnt, Mar;y 5haMon, initially came under the care of Dr. Kretzing at
the Belvedere Medical Center on 11/13/92 with II chief coqllaint of neck pain.
Her history revealed that she had been involved in ,a MVA on 11/11/92. In that
accident she wu the 4river of a car that wu struck. in the rear. She wu 42
y.ars old at the time of the accident .mJ 41d 110 to an !R on the following clay
becaWMl of epistaxia. A.'l x-ray liU taken 1Ih1ch revealed a fracture of the
maxillBrf spine.
In addition to this injury, she also was treat~ for a cervical sp1:ain. Th'~ \
treatmentJ incl1..'Cled outpati.nt theJ::'apy at the AlexanCeC' Spring Rehab Center.
Or. KJ::'Bt2inq oJ::'d.recl the thenpy and also followed her on a regular basis dur-
inq the eourse of her tJ::'eatment. The records indicat. that she trHted at this
centeJ::' thrcuqh 1/22/9:J. The treat::nent was d111ccntinueC for .~rox::'llII.t:elY eight:
mcn~ ar~ then J::'es~ on 9/30/93. This trea~~r.t has continued threugh 1/:3/94.
The clai~t also had x-rays taken of the ce~/ic::a1 spine which revealed ~e
9\Jbele ceqenentive changes. An Ml\I scan of t~e cervical s;line was obtained
on 9/17/93 whico... sl".cwec! lnL'lirnal spc:ndylitic changes at C4-5 en ~.,e J::'i;ht. So
evicence o~ ~~ h.~iated disc mataJ::'lal Wa3 noted.
~~e race res ~~~icat. ~~at in Dec~~r et 1992, she uncer.ent a sept~pl.1ty
~~e ~~@ e~a~tic ~.pe31 de!:ecticn ~::h a nasa: ~~~ne ~:act~re ar.d na~a: sepeal
fr~ctura. ~.is ~as ecncuctad OV Ct'. ~acalU5c at: Carlisle ~ospit:al.
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HARRISBURG
MAR t 6 1994
ReI Mdry Sh4MOn
Claim ,3e 6537 289
Page 2
RECEiveD
The office re<:orda fran Dr. Kretling indicated that'. the claimant continued to
have neck pain throUih Septerrt.ler of 1993 at which point an MRI scan wu obtained.
As indicated the HIlI sean was WNL. Physical ,xlllIination alae r.vealed no n.uro-
logical deficits and normal RQ\ of the cervical spine. 'l'he note. fran FetmJary
1993 indicated that she had a diegnoais of . cervical Dtrain which wu reaolving.
She did not have any appointlne1lta with Dr. !(r.tling tran 2/9/93 until 8/31/93
when she ",ported that .he w.a having IIIlre nec:lc pain. By 8/31/93 she indi-
cated that her pain had persisted and that certain physical act1vit1es allljJl:ilva-
ted h.r pain. Th. Pl' treat:llllnte vere also rell\llllld at the Alexander Spring Rehab
center in Novlll'blr of 1993 and these treatments cont:inlJld into February of 1994.
The u_bnenta c:onailted primarily of exerci... to ill'proYe 101 and deer....
lIIllIc1e ton. in the cervical parupinal llIIIoSCle. Illd upper tnpuiWl 1llUSC1es.
other trubnant.8 inc1u&1d lIIOist Mat, elec. stilm11ation aM therapeutic .....19..
The reeor&l a1.eo indicate that: 1IIhen the claimant', neck pain reoc:c:urred in
Auguat of 1993, Dr. lCret:,zing did nor&lr PI' ulliIb'oent, vith a cUagnosia of
c:hronie neck peine 'l'he.. trHtmenta continu~ frCllll 9/30/93 t:hru early Febr:uart
of 1994.
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Bued on a revi..., uf the records, it ia my opinion that the claillllnt did I.lWltain
80ft tiuue/cervical .train injuria which c:culd be direetly attributed to th.
HVA of 11/11/92. Therefore, the claimant: did ~eHr:ve a ccurse of regular
physician 8valuationa and outpatient P'1' treatments for a period of approxi-
Il'Ately 3 to 4 months follO\ling the MVA. 'l'he treatment frOlll the Alexander Sp.r1n;
Rehab center ane! Belvedere Medic:a1 Center wcule! have been clinically appropriate
through 3/10/93. Treatment beycnd that date, in tfti opinion, vould have repre-
sented excessive C'&re. '1'he cla.l.mit.nt's injuries litre clearly of the actt t~
variety and ahollld have ruolvec! within 3 to 4 montha follO\ling the MVA. It 11
tlIY opinion that the tteat:llllnt fran the Belvedere Medical Center and the
Alexander Sprin9 Rehab Center fran 5eptueer of 1993 through February of 1994
IIculd not be ccneid.rlC! reasonable or nec.....ry.
If I can be of any furth.r assistanc. to you ....ith respeet to this file, p1...J.
~cntaet ~ at your convenience.
I
,
5incerely yeurs,
'J'i'---. (, ~~, 1M 71 ~ ,f;!
Marc A. ~ia~~cc, Me ~
?hysic~ ~edicin. and Rehabilitation
i :::.:;nllC! in rr.ysicial'.' s acur.ce to avoid delay. ),
~RC)
Consolidated Rehabilitation Company
CONFIDENTIAL REPORT
,\ cOn1pr~h~nsiv~
Peer R~vi~w Organllullon
c~rtll1ed by lh~
Cllmmonweullh of Pennsyl\'unla
April 30, 1994
Becky Pastor, R.N.
P.O. Box 1719
2616 North Broad street
Lansdale, PA 19446-0827
RB:
DATB OF ACCIDENT:
CLAIM NO.:
MARY SHANNON
11/11/92
38-6537-289
Dear Ms. Pastor:
At your request, a reconsideration of the original peer review
performed by Mark A. Maiatico, M.D., was performed concerning the
physical therapy care rendered to the above-named claimant at
Alexander Spring Rehabilitation, Inc. The fOllowing documentation
was available for my review:
1. Application for Benefits dated 12/4/92.
2. Emergency room records from Carlisle Hospital dated 11/12/92.
3. Invoice from Thomas S. Filip, D.M.D., P.C., dated 11/12/92.
4. Office notes. operative report and invoices from Russell A.
Macaloso, M.D.
5. Physician records from Harold G. Kretzing, M.D., dated
11/13/92 through 2/9/93 and 8/31/93 through 2/7/94.
6. Radiology results of the cervical spine dated 8/31/93.
7. MRI results of the cervical spine dated 9/17/93.
8. Treatment records from Alexander Spring Rehabilitation, Inc.
dated 11/23/92 through 1/22/93 and 9/30/93 through 2/3/94., ,
Also invoices datad 11/30/93 through 1/24/94.
9. Original peer review performed by Mark A. Maiatico, M.D.,
dated 3/9/94.
10. Letter requesting reconsideration dated 3/29/94.
HISTORY:
Ms. Shannon is a 46-year-old female at the time of the alleged
motor vehicle accident on 11/11/92. She received emergency room
care at Carlisle Hospital secondary to a fractured maxilla. She
sought further medical attention of Dr. Kretzing secondary to
continued neck pain. She was referred eor treatment to Alexander
Spring Rehabilitation on 11/23/92 and treated through 1/:~/93. She
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RE: Mary Shannon
Becky Pastor, R.N.
April 30, 1994
Page Two
returned to Dr. Kretzing on 8/H/93 secondary to episodic neck
pain. Cervical spine x-rays and an MRI were performed. Physical
therapy waB reinstituted on 9jJO/93 and treatment was continued
through 2/3/94.
COURSE OF TREATMENT:
An initial physical therapy evaluation was performed on 11/23/92
stating objective deficits and implementing care consisting of
moist t.eat, electrical stimulation, soft tissue massage, myofascial
release and a home exercise program. Reasonable goals and plan of
care were set forth. Therapeutic exercise was initiated on 1/7/93.
However, there is no documentation indicating what type of exercise
was implemented. Hoist h8at was discontinued on 1/13/93. On
1/18/93 exercise had increased to two hours in duration. On
1/22/93 the patient had no subjective complaints of pain, all goals
were met and the patient's treatment was discontinued.
Upon re-referral on 9/30/93, the patient had Bubjective complaints
of neck pain beginning approximately one month prior secondary to
maintained cervical spine extension while dancing. SUbjectively
she rated her pain at a level of 8/10 and pain was increased with
many activities of daily living. Objectively range of motion was
as follows: Flexion of the cervical spine equal to 450, extension
160, left side bending 240, right side bending 260, left rotation
560 and right rotation 720. Diffuse tenderness was noted, as was
hypertonus. Treatment was initiated consisting of moist heat, soft
tissue massage with myofascial release, manual cervical traction,
suboccipital release and therapeutic exercise. Treatment note on
10/5/93 indicates decreased side glide of the C4-5 motion segment
and OA restriction, left greater than right. Therapeutic exercise
waB initiated on 10/8/93. This therapeutic exercise and kinetic
activity was progressed throughout the duration of treatment.
There is reference to an exercise sheet in the treatment records.'
However, this is not available for my review. On 10/26/93,
cervical spine range of motion was documented as follows: Flexion
equal to 460, extension 42", left side bending and right side
bending 250, left rotation and right rotation 550. SUbjectively
pain was noted to equal 1/10 on this date, with an average pain
level equal to 4/10. . On 11/2/93 a relative decrease in c8rvical
spine flexion and extension was documented with other ranges being
the same. On 11/9/93 minimal to no segmental restriction was noted
and cervical side bending had increased to approximately 350 with
rotation left equal to 680 and right 640. On 11/11/93, cervical
spine range of motion was noted to be within functional limits.
Hcwever, on 11/19/93, flexion was noted to be decreased
approximately 50~. On this date ultrasound was added for the left
,
continued. . .
REI Mary Shannon
Becky Pastor, R.N.
April 30, 1994
Page Three
upper trap. On 11/30/93 active range of motion was noted to be
within normal limits. On an unspecified date after 11/30/93, left
side bending was decreased 50'. However, other motions were within
functional limits. On 1/11/94, cervical spine range of motion was
noted to be full and overhead activities were well tolerated. On
'/24/94 neck pain had increased, possibly secondary to shoveling
and cervical spine range of motion was noted to be decreased to
50'. Treatment had continued consisting of soft tissue massage,
manual cervical traction, moist heat and a modified exercise
program. On 2/3/94 it was documented that pain levels varied from
3-7/10. At this time the patient was discharged to a home exercise
program.
ANALYSIS AND CONCLUSIONS:
The followil.g professional opinions are stated within a reasonable
degree of medical certainty and based upon the documentation
available for my review.
It is my opinion that the original course of physical therapy from
11/23/92 through 1/22/93 is both reasonable and necessary. It is
also my opinj on that the ini tilll evaluation dated 9/30/93 documents
significant objective deficits and the initiation of treatment was
reasonable and necessary. It is my opinion, however, that
treatment rendered beyond 11/9/93 would be considered unreasonable
and unnecessary. Based upon the documentation, it is apparent that
a relative plateau had been reached by this date. Documentation
beyond this date indicates fluctuating symptoms and objective
detici ts . It is my opinion that the patient should have been
discontinued to either a fitness or a home exercise program.
In summary, it is my opinion that treatment rendered at Alexander
spring Rehabilitation, Inc. would be considered reasonable and'
appropriate through 11/9/93.
.
It I can be cf any further assistance to you with regards to this
report. please do not hesitate to contact me. Thank you.
Sincerely,
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William c. McCafferty, P.T.
WCM: PT8
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Consolidated Rehabilitation Company
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:\Ikhad A, :\lllrnlllc. :\1. Ed
Dire~tllr
May 14, 1994
Becky Pastor, R.N.
Consolidated Rehabilitation company
2616 North Broad street
P. o. Box 1719
Lansdale, PA 19446-0827
RII
DATD OW ACCIDINTI
CLAIM HO. I
NARY 8JlAHHOH
11/11/92
38-1537-289
Dear Ms. Pastor:
The following is an addendum to the initial reconsideration report
dated 4/30/94. New documentation available for my review includes:
1. Telephone conversation with Christopher 1<. FiSher, P.T., dated
5/10/94.
2. Letter from Christopher 1<. Fisher, P.T., requesting
reconsideration dated 4/27/94.
3. Letter from Harold G. I<retzing, M.D., requesting
reconsideration dated 3/29/94.
4. Exercise flow sheet and home exercise program.
Letter requesting reconsideration indioates that the initial peer
review was based solely on the time treatment was rendered
following injury. Mr. Fisher indicates that treatment reviewed was
not reviewed based upon objective deficits and functional
limitations. He indicates that on 11/16/93, overhead exercise was
initiated in order to prepare patient for overhead work duties.
This resulted in severe stiffness and palpable spasm. This form of
treatment was not reintroduced until mid to late 12/93 and was
progressed with appropriate toleration. He indicates that the goal
of treatment was to return to performance of work duties without
incurring pain and spasm. He indicates that troatment was focused
on this goal and that discharge summary indicates a significant
change in pain level, cervical range of motion and strength.
continued. . .
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REI Mary Shannon
Becky Pastor, R.N.
May 14, 1994
Page TWO
As stated in my initial review dated 4/30/94, it was my opinion
that the initiation of treatment on 9/30/93 was both reasonable and
necessary. It was my opinion that a reasonable plan of care was
instituted and relevant goals were formulated. It was my opinion
that, given the relative plateau reached in therapy as of 11/9/93,
that treatment rendered beyond this date would be considered
unreasonable and unnecessary. It was my opinion that the
dOClumentation indicates nuotuating symptoms and objeotive deficits
beyond this date. However, in light of the new documentation, i.e.
the exercise flow sheet, it is apparent that treatment beyond this
date was focused on functional gains. It appears that the primary
functional goal beyond this point wall reasonable tolerance of
overhead activity without increase in pain. Objective
documentation on 1/11/94 indicates that cervical spine range of
motion was full. There is no indication of subjective pain rating.
Full therapeutic exercise program was continued, including crate
lifting and Physioball exercises. Objeotive documentation on
2/1/94 indicates that nexion of the cervical spine was full,
however, there was a 50% limitation in left and right side bending,
as well as extension. Documentation on 2/3/94 then indicates that
extension was within normal limits, with left side bending equal to
340 and right side bending 420. This discharge note indicates that
the range of motion varies week to week.
In light of the new documentation, it is my opinion that treatment
rendered beyond 11/9/93 was, in fact, reasonable and necessary up
until 1/11/94. It is my opinion that this represents a reasonable
time frame to achieve the aforementioned functional goals. It is
apparent, basec:i upon the objective documentation, that cervical
spine range of motion was, in fact, fluctuating on both a daily and
weekly basis. Additionally, complaints of pain varied on a daily
to weekly basis as well.
In summary, it is my opinion that treatment rendered beyond 1/11/94
would, in fact. be considered unreasonable and unnecessary.
If you have any questions regarding this report, please do not
hesitate to contact me. Thank you.
Sincerely,
, " "/""'.-/ r;
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William C. McCafferty, P.T.
WCM:PT8
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Consolidated Rehabilitation Company
~~(/jd6j/jt<lljvn SpWd/tsts
. M~dkul Cuse Munugem~m
. P~er Review Orgunizull,)O
. Ho,~pilul R~lmburscf1t~nt SerVice,
. Independent Medical E~am
. Vocutlonal Rehubllltutlon
Michtld A, ,'I.lorrorlc. 1\1, Ed
Dln:ctor
PROVIDER:
RECONS IDERATT.ON
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@~J6f'A~~J ;eJdLL~
ClailllF.lnt:
Claimll
Date Request for Reconsideration Received:~-~-~~
(Additional information included)
Date Request for Reconsideration Received:
(Without any additional documentation)
Acknowledgement mailed from CRC: 'JI-J'-"Y-
Date Provider response received stating that no further
info would be forthcoming/records received:
t' " .J a. .. - 6. (l.L.c.n. ~ /l'.~ "-tf-' 5"/,).j9 Ii
Reconsideration Determination:
Reconsideration Determination Complete Date:
~
Initial Determination Upheld
Initial Determination Modified
Initial Determination Reversed
EX~~;~Ff:;:~~7~~~2~;~~ -~ ~~~ "1LA::~.~t.
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Michucl ,.\, :"s1'lrrll/lC. 1\01, Ed
Director
May 14, 1994
Becky Pastor, R.N.
consolidated Rehabilitation Company
2616 North Broad street
P. O. Box 1719
Lansdale, PA 19446-0827
RBI
DATB or ACCIDBHTI
CLAIM NO. I
DRY 811ANKON
11/11/12
:se-U37-an
Dear Ms. Pastor:
The following is an addendum to the initial reconslderation report
dated 4/30/94. New documentation available for my review includes:
1. Telephone conversation with Christopher K. Fisher, P.T., dated
5/10/94.
2. Letter from Christopher K. Fisher, P. T. , requesting
reconsideration dated 4/27/94.
3. Letter from Harold G. Kretzing, M.D., requesting
reconsideration dated 3/29/94.
4. Exercise flow sheet and home exercise program.
Letter requesting reconsideration indicates that the initial peer
review was based solely on the time treatment was rendered
following injury. Mr. Fisher indicates that treatment reviewed was
not reviewed based upon objective deficits and functional
limitations. He indicates that on 11/16/93, overhead exercise was
initiated in order to prepare patient for overhead work duties.
This resulted in severe stiffness and palpable spasm. This form of
treatment was not reintroduced until mid to late 12/93 and was
progressed with appropriate toleration. He indicates that the goal
of treatment was to return to performance of work duties without
incurring pain and spasm. He indicates that treatment was focused
on this goal and that discharge summary indicates a significant
change in pain level, cervical range of motion and strength.
continued. . .
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REI Mary Shannon
Becky Pastor, R.N.
May 14, 1994
Page Two
As stated in my initial review dated 4/30/94, it was my opinion
that the initiation ot treatment on 9/30/93 was both reasonable and
necessary. It was my opinion that a reasonable plan of care was
instituted and relevant goals were tormulated. It was my opinion
that, given the relative plateau reached in therapy as ot 11/9/93,
that treatment rendered beyond this date would be considered
unreasonable and unnacessary. It was my opinion that the
documentation indicates nuctuating symptoms and objective deticits
beyond this date. Howev0r, in light ot the new documentation, i.e.
the exercise tlow sheet, it is apparent that treatment beyond this
date was tocused on tunctional gains. It appears that the primary
functional goal beyond this point was reasonable tolerance ot
overhead activity without increase in pain. Objective
documentation on 1/11/94 indicates that cervical spine range ot
motion was full. There is no indication ot subjective pain rating.
Full therapeutic exercise program was continued, including crate
lifting and Physioball exercises. Objective documentation on
2/1/94 indicates that nexion of the cervical spine was tull,
however, there was a 50' limitation in left and right side bending,
as well as extension. Documentation on 2/3/94 then indicates that
extension was within normal limits, with left side bending equal to
340 and right side bending 420. This discharge note indicates that
the range of motion varies week to week.
In light of the new documentation, it is my opinion that treatment
rendered beyond 1119/93 was, in tact, reasonable and necessary up
until 1111/94. It is my opinion that this represents a reasonable
time frame to achieve the aforementioned functional goals. It is
apparent, based upon the objective documentation, that cervical
spine range ot motion was, in tact, fluctuating on both a daily and
weekly basis. Additionally, complaints of pain varied on a daily
to weekly basis as well.
In summary, it is my opinion that treatment rendered beyond 1/11/94
would, in fact, be considered unreasonable and unnecessary.
If you have any questions regarding this report, please do not
hesitate to contact me. Thank you.
Sincerely, . , ~~' n
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William c. McCafferty, P.T.
WCM:PT8
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NEW MATTER
1. The claims of Plaintiff ar.e limited by the terms of the
MVFRL, 75 Pa. C.S.A. 11701 ~ ~. as amended by Act 6, April 15,
1990 ("Act 6").
~. The bills in dispute were incurred after the effective
date of Act 6.
3. state Farm has paid $6,672.78 to various health care
providers on behalf of Mary L. Shannon.
4. Thereafter, based upon the totality of the
circumstances including a lack of objective evidence of injury,
state Farm sought professional assistance in assessing the
reasonableness, necessity and relatedness of the injuries.
5. Therefore, state Farm submitted Plaintiff's matter to a
Commonwoalth approved Peer Review Organization established for
the purpose evaluating treatment and health care services
provided to an injured person. state Farm is required by the
terms of MVFRL to contract with such Commonwealth approved peer
review organizations for the purpose of assessing the
reasonableness, necessity and relatedness of treatment.
6. A Commonwealth approved peer review organization has
opined that the medical expenses at issue were neither reasonable
nor necessary under the terms of the policy under Pennsylvania
Law. On the basis of the peer reviews dated 3/09/94 and 4/30/94
state Farm has denied payment.
- 2 -
7. Plaintiff has not and cannot sustain damages as a
result of a diminished payment or non-payment of automobile
accident related bills. ~ 75 Pa. Cons. stat. 11797(a). since
Plaintiff cannot sustain such damage, the lack standing to sue
state Farm.
8. This Honorable Court lacks jurisdiction to entertain
this matter as state Farm performed a peer review in accordance
with the Pennsylv~nia Motor Vehicle Financial Responsibility Law.
Accordingly, Plaintiff's claims are barred by the terms of
11797(b)(4) as Plaintiff has not exhausted her administrative
remedies by requesting and paying for a reconsideration by the
peer review organization.
9. The amounts in dispute in this case represent charges
for excessive treatment which was neither reasonable nor
neceseary within the meaning of the insurance policy in question
and/or the motor vehicle financial responsibility law.
10. The charges at issue in this case and for which
insurance coverage is claimed from state Farm are unreasonable
and unnecessary in the context of the accident in question. The
nature and extent of injuries. damages and other losses alleged
by Plaintiffs are denied.
11. Plaintiff's claims for insurance benefits are barred by
lack of consideration.
- 3 ~
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MARY L. SHANNON,
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
NO. 84. 4882 CIVIL TERM
Plaintiff
v.
STATE FARM MUTUAL AUTOMOBILE
INSURANCE COMPANY,
JURY TRIAL DEMANDED
Defendant
NOW comes Mary L. Shannon, by and through her attonreys, FLOWER, MORGENTHAL,
FLOWER & LINDSAY, and replies to New Matter as follows:
1. Admitted.
2. Admitted.
3. After reasonable Investigation, Plaintiff Is without Information sufficient to form a belief
as to the truth of the statement In Paragraph 3.
4. After reasonable Investigation, Plaintiff Is without Information sufficient to form a belief
as to the truth of the statement in Paragraph 4.
5. Admitted.
6. Admitted.
7. Denied that Plaintiff has not and cannot sustain damages as a result of a diminished
payment or non-payment of automobile accident related bills. Denied that Plaintiff does not have
standing to sue State Farm,
8. Denied that this Court lacks Jurisdiction to entertain this matter. Plaintiff exhausted her
administrative remedies by requesting a reconsideration by the peer review organization.
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9. Denied that the charges at Issue In this case are unreasonable or unnecessary In the
context of the accident In question, the nature and extent of the Injuries and the damages and other
losses alleged by Plaintiff.
10. Denied that the charges at Issue In this case are unreasonable and unnecessary.
11. Denied that Plaintiff's claim for Insurance benefits are barred by lack of consideration.
By way of further answer, Plaintiff gave valuable consideration for her Insurance coverage.
12. Paragraph 12 Is a conclusion of law to which no response Is required.
13. Denied. Plaintiff 113 entitled to recover attorney's fees because Defendant's withholding
of medical benefits was not made In good faith and for reasonable cause.
14. Paragraph 14 Is a conclusion of law to which no response Is required.
15. Denied that Plaintiff's claims are barred by the statute of limitations.
16. Denied that Plaintiff has .10t pled any claims In respect to herself.
WHEREFORE, Plaintiff prays this Honorable Court to enter Judgment In Its favor and against
the Defendant with costs of suit and attorneys' fees.
FLOWER, MORGENTHAL, FLOWER & LINDSAY
Attorneya for Plaintiff
By:
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