If you suffer a workplace injury and your workers’ compensation claim is accepted by your employer, then the insurance company is responsible for all medical bills related to the treatment for that injury. While won’t have to worry about paying to see the doctor, you should still be aware that this means your employer’s insurance company is involved in your medical treatment as well.
How is the insurance company involved?
The insurance company selects your doctor. You can continue seeing your own doctor, if you choose, but you are responsible for paying any such bills. If you disagree with the insurance company’s doctor, we can help you request a second opinion from another physician.
The insurance company sees all records related to the medical treatment. These records become some of the main evidence in your workers’ compensation claim and the insurance company is entitled to review them.
On occasion, the insurance company may hire a nurse case manager to coordinate your care. These nurses often serve as a shared point of contact for you, your lawyer, your doctors, the insurance company, and the insurance company’s attorney. The nurse case managers can communicate your medical history with the insurance company, but they should never advocate against you in the process.
What if the insurance company denies necessary medical treatment?
The insurance company often looks for any possible reason to deny your right to necessary medical treatment caused by your workplace injury. You should not have to pay medical bills that the insurance company is obligated to cover. Unfortunately, sometimes that requires filing paperwork with the Industrial Commission to order the insurance company to pay. Our attorneys have experience handling these matters and holding the insurance company’s to their obligations.