GEICO says three Miami clinics billed it more than $1.35 million in no-fault claims built on a physician who never really ran them.
Government Employees Insurance Co., with three affiliated GEICO carriers, filed suit in the US District Court for the Southern District of Florida on August 17, 2026, accusing a group of Miami personal injury protection clinics of a billing fraud it says ran for years.
The complaint names three clinics - A&Y Rehabilitation Medical Center, New World Health, and Rehab & Therapy Wellness of South Florida - along with their owners and a physician GEICO says was listed as medical director at all three. According to the filing, the clinics billed thousands of no-fault charges for exams, physical therapy, and nerve-stimulation treatments starting no later than 2021.
Florida's Health Care Clinic Act sits at the heart of the claim. The Act requires a real medical director who checks billing for fraud and confirms staff are properly licensed. Without one, the complaint says, a clinic's charges are "noncompensable and unenforceable" - and that holds whether or not the treatment ever happened. GEICO alleges the physician was paid to fill that role at all three clinics without doing the work.
The insurer's clearest illustration is arithmetic. The complaint says the billing credited the physician with more hours than a day holds. GEICO says it received bills for "more than 30 hours" of services he supposedly performed or supervised at two of the clinics on a single day, November 24, 2023.
Who actually treated patients is the other half of the case. GEICO says the hands-on physical therapy was performed - "to the extent that they were performed at all" - by massage therapists, unsupervised physical therapist assistants, and unlicensed staff. That matters for payment: under Florida's no-fault law, PIP has not covered massage, or services by massage therapists, since January 1, 2013. The complaint says the clinics left those workers off the HCFA-1500 claim forms and listed the physician instead, in the box meant to identify who performed or supervised each service.
The exams followed a template, GEICO alleges. Clinics billed initial exams under a code that signals at least 45 minutes of work or "moderate complexity" decision-making, when, the complaint says, no exam took even 15 minutes and none involved real decision-making. Patients from the same minor crash often walked out with matching soft-tissue "diagnoses" on the same day, the filing alleges, regardless of who they were or how they were hurt.
GEICO also points to Florida's PIP limits. Benefits are capped at $2,500 per person, rising to $10,000 only for an "emergency medical condition." The complaint alleges the clinics routinely tagged patients with false "emergency medical condition" diagnoses to reach the higher figure.
At two of the clinics, GEICO says a pain procedure called percutaneous electrical nerve stimulation was billed at $800 or $1,200 a session at one clinic, and typically $630 at another, when patients allegedly received ordinary electrical stimulation that bills for far less. The complaint also alleges the clinics waived or failed to collect patient deductibles, another practice Florida treats as making charges unlawful.
By GEICO's count, it paid at least $650,000 on A&Y Rehab bills, at least $215,000 on New World Health, and at least $475,000 on Rehab & Therapy Wellness. The 18-count complaint - covering declaratory judgment, federal RICO, Florida's deceptive-practices statute, common-law fraud, and unjust enrichment - seeks treble damages under RICO and a ruling that GEICO owes nothing on more than $75,000 in still-pending claims.
The allegations have not been tested in court. None of the defendants has filed a response, and no court has ruled on the claims. The complaint reflects only GEICO's account of the disputed billing.
