Key Takeaway
NY insurance carriers must provide competent evidence for fee schedule denials. Long Island personal injury lawyer explains OS Tigris case. Call 516-750-0595.
Legal Analysis of OS Tigris Acupuncture, P.C. v Liberty Mut. Insurance Co. and What Long Island Personal Injury Victims Need to Know
In the intricate landscape of New York’s no-fault insurance system, the question of what constitutes “competent evidence” in fee schedule disputes can determine whether accident victims receive the medical care they desperately need. The case of OS Tigris Acupuncture, P.C. v Liberty Mut. Insurance Co., 2008 NY Slip Op 51996(U)(App. Term 1st Dept. 2008), provides a crucial window into how courts evaluate insurance carriers’ evidence when they attempt to deny or limit medical payments based on fee schedule defenses.
The Core Legal Issue: Competent Evidence in Fee Schedule Disputes
New York’s no-fault insurance law requires carriers to pay for medically necessary treatment according to established fee schedules. However, when insurers deny claims citing fee schedule non-compliance, they must provide “competent evidence” to support their position. But what exactly does this mean for accident victims on Long Island and throughout New York?
The OS Tigris case reveals a critical flaw in many insurance carriers’ defense strategies: the failure to produce adequate documentation to support their fee schedule arguments.
The Court’s Analysis
In OS Tigris, the court delivered a decisive ruling that should give hope to accident victims facing similar disputes:
“Nor did defendant produce competent evidence in support of its defense of nonconformity with the applicable fee schedule (see Continental Med. P.C. v Travelers Indem. Co., 11 Misc 3d 145, 2006 NY Slip Op 50841 )”
This language is significant because it establishes that insurance carriers cannot simply assert fee schedule defenses without backing them up with proper documentation and evidence.
What “Competent Evidence” Actually Means
Based on my years of experience handling no-fault insurance disputes and analyzing cases like OS Tigris, I believe that competent evidence in fee schedule defense cases must include several essential components:
1. Complete Fee Schedule Documentation
The carrier must provide the actual fee schedule provisions that allegedly weren’t followed, including:
- Specific CPT codes and their corresponding reimbursement rates
- Conversion factors applicable to the treatment period
- Geographic adjustments if applicable to the provider’s location
- Effective dates showing when the fee schedule was in force
2. Department of Insurance Authorization
Clear documentation showing that the Department of Financial Services (formerly DOI) has approved the carrier’s fee schedule methodology, such as:
- Official opinion letters from regulatory authorities
- Published guidelines addressing the specific type of treatment
- Regulatory bulletins explaining proper reimbursement procedures
3. Claims Examiner Expertise
An affidavit from a qualified claims examiner who can demonstrate:
- Personal knowledge of the claim review process
- Training and certification in New York no-fault regulations
- Specific analysis of how the provider’s billing didn’t comply with the fee schedule
As I commented in my original analysis: “I am going to assume that the movant did not provide a copy of the applicable portions of the fee schedule and annex the Department of Insurance Letter allowing the carrier to pay the chiropractor or physician fee schedule for acupuncture or a geographical rate it deemed proper.”
Why This Matters for Long Island and NYC Accident Victims
If you’ve been injured in a car accident in Nassau County, Suffolk County, or anywhere in the New York metropolitan area, understanding the competent evidence standard can be the difference between receiving proper medical care and being denied essential treatment.
Common Scenarios Where Evidence Falls Short
From my practice experience, insurance carriers frequently fail the competent evidence test in several situations:
Incomplete Documentation: Carriers provide partial fee schedule information without the complete regulatory framework needed to evaluate compliance.
Outdated Information: Insurers rely on superseded fee schedules or fail to account for regulatory changes that affect reimbursement rates.
Lack of Expertise: Claims examiners without proper training attempt to make determinations about complex medical billing requirements.
Missing DOI Guidance: Carriers cannot produce the regulatory authorization for their reimbursement methodology.
The Impact on Healthcare Providers and Patients
For Medical Providers
Healthcare providers treating accident victims must understand that insurance carriers bear the burden of producing competent evidence to support fee schedule denials. This means providers should:
- Maintain detailed billing records that clearly show compliance with applicable fee schedules
- Document medical necessity for all treatments provided
- Stay current with regulatory changes that might affect reimbursement
- Challenge inadequate denials when carriers fail to provide competent evidence
For Accident Victims
When your insurance carrier denies medical treatment citing fee schedule issues, you have the right to demand proper documentation. Consider taking these steps:
- Request complete fee schedule information the carrier claims you violated
- Ask for regulatory authorization supporting the carrier’s position
- Obtain documentation of the claims examiner’s qualifications and analysis
- Consult with legal counsel if the carrier’s evidence appears inadequate
Building Your Defense Against Improper Fee Schedule Denials
Understanding Your Rights
New York law doesn’t just require that you receive medically necessary treatment—it also requires that insurance carriers prove their denials are properly supported. The OS Tigris case demonstrates that courts will not accept bare assertions from insurance companies.
When to Challenge a Denial
You should consider challenging a fee schedule-based denial when:
- The carrier provides incomplete fee schedule documentation
- No regulatory guidance supports the carrier’s position
- The claims examiner lacks proper qualifications or training
- The denial seems inconsistent with similar treatments that were approved
Geographic Considerations for Long Island Residents
Long Island’s unique healthcare landscape presents particular challenges for fee schedule compliance. Many specialists serving Nassau and Suffolk Counties practice in multiple locations, and fee schedules may vary based on geographic factors. This complexity often leads to errors in insurance carrier analysis.
Common Issues in Our Region
Based on my experience representing Long Island accident victims, I frequently encounter fee schedule disputes involving:
- Specialist referrals to New York City practitioners
- Multi-location providers with varying fee schedule requirements
- Alternative treatment modalities like acupuncture and chiropractic care
- Diagnostic imaging at specialized facilities
Frequently Asked Questions
Q: What should I do if my insurance company denies treatment but won’t provide detailed fee schedule information?
A: Under New York law, carriers must provide competent evidence to support fee schedule denials. If they cannot produce the required documentation, their denial may be improper. Contact an experienced no-fault attorney to evaluate whether the carrier has met its burden of proof.
Q: Can insurance companies just point to general fee schedule violations without specific evidence?
A: No. The OS Tigris case and similar decisions make clear that carriers must provide specific, competent evidence. General assertions about fee schedule non-compliance are insufficient to support a valid denial.
Q: How can I verify that my healthcare provider is billing correctly according to fee schedules?
A: Work with providers who understand New York’s no-fault system and maintain current knowledge of fee schedule requirements. Ask your provider to explain their billing methodology and ensure they can document compliance with applicable regulations.
Q: What happens if an insurance company’s evidence doesn’t meet the competent evidence standard?
A: If a carrier fails to provide competent evidence supporting a fee schedule denial, the denial may be overturned, and the carrier may be required to pay for the treatment plus interest and attorney fees.
Q: Can I appeal a fee schedule denial even if the insurance company provides some documentation?
A: Yes. Even when carriers provide documentation, it must meet the “competent evidence” standard. Incomplete or inadequate evidence may still result in a successful appeal.
The Broader Legal Framework
Regulatory Requirements
New York’s no-fault regulations establish clear requirements for insurance carriers defending fee schedule challenges. The failure to meet these requirements—as illustrated in OS Tigris—can result in:
- Overturned denials and required payment for treatment
- Interest penalties on delayed payments
- Attorney fee awards to successful claimants
- Regulatory sanctions for pattern violations
Judicial Oversight
New York courts have consistently held insurance carriers to high standards when evaluating fee schedule defenses. This judicial oversight protects accident victims from arbitrary denials and ensures that carriers cannot avoid their obligations through inadequate documentation.
Protecting Your Rights: When Professional Help is Essential
The OS Tigris case illustrates why accident victims should never accept fee schedule denials without proper scrutiny. Insurance carriers have teams of attorneys and claims specialists working to limit their exposure, but they must still meet their burden of providing competent evidence.
Warning Signs of Inadequate Evidence
Be alert for these red flags that may indicate a carrier hasn’t provided competent evidence:
- Vague references to fee schedule violations without specific documentation
- Outdated information that doesn’t reflect current regulations
- Lack of regulatory authorization for the carrier’s position
- Unqualified personnel making complex billing determinations
Strategic Considerations for Different Treatment Types
Acupuncture and Alternative Therapies
As demonstrated in both OS Tigris and related cases, alternative therapies often face particular scrutiny in fee schedule disputes. Carriers may attempt to deny coverage by claiming these treatments don’t fit within established schedules, but they must still provide competent evidence for any such determination.
Specialist Consultations
When Long Island residents need specialized care in Manhattan or other locations, geographic fee schedule variations can create opportunities for carrier challenges. However, carriers must still demonstrate with competent evidence that any denials are properly supported.
Conclusion
The OS Tigris case represents a significant victory for accident victims throughout New York. By requiring insurance carriers to provide competent evidence for fee schedule defenses, the court ensured that carriers cannot simply make unsupported assertions to avoid paying legitimate claims.
For Long Island and NYC accident victims, understanding the competent evidence standard is crucial to protecting your no-fault benefits. When insurance carriers fail to meet this standard—as they did in OS Tigris—their denials should be challenged through the appropriate legal channels.
Remember that New York’s no-fault system was designed to provide prompt payment for medically necessary treatment. When carriers attempt to circumvent this obligation through inadequately supported fee schedule defenses, they must be held accountable to the competent evidence standard established by cases like OS Tigris.
Don’t let insurance companies deny your rightful medical treatment through inadequate fee schedule defenses. If you’re facing questionable denials on Long Island or anywhere in New York, call 516-750-0595 for a free consultation to evaluate whether your carrier has provided competent evidence and protect your rights to necessary medical care.
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Legal Update (February 2026): Since this 2008 analysis, New York’s no-fault fee schedules and regulatory framework have undergone multiple revisions, including updates to reimbursement rates, procedural requirements for fee schedule defenses, and evidentiary standards for insurance carrier denials. Practitioners should verify current fee schedule provisions and regulatory amendments when evaluating competent evidence requirements in contemporary no-fault disputes.
