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Considerations for Choosing a Medical Provider for Workers’ Compensation Injuries

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Workers’ compensation covers benefits for your employees if and when they are injured on the job. It can provide flexible compensation for things like doctors’ appointments, surgeries, physical therapy, medications and other treatment.

When it comes to treating work-related injuries, selecting the right doctor is paramount and can make all the difference when it comes to helping an employee return to work quickly. However, there are a number of considerations and specific guidance when it comes to selecting a medical provider for workers’ compensation injuries.

Selecting the Treating Doctor in a Workers’ Compensation Claim

When it comes to connecting an injured employee to the care they need following a covered injury, it’s important to remember that every state is different and has unique rules. Failing to follow these rules can lead to an insurance company’s refusal to pay for treatment.

When it comes to injuries covered by workers’ compensation, all states allow employees to receive emergency care from the nearest facilities when needed.

Outside of that, rules related to choosing a medical provider vary by state and generally fall under one of three options:

  1. The employer chooses the treating doctor on behalf of the employee – in some cases, employees must use an employer-selected treating doctor for work-related injuries. This can help employers reduce costs and better manage workers’ compensation claims.
  2. The employee chooses a doctor from a list or medical network provided by their employer – Some states allow employers to go through a preferred provider plan, network or managed care organization to treat an employee’s work-related injuries. Through this method, employees must select a treating doctor who is within the specified network.
  3. The employee chooses any authorized doctor – Some states allow employees to choose their own treating doctor, particularly if an employer doesn’t have a preexisting provider plan or partnership with a managed care organization. Other states do not dictate who the employee sees for treatment at all. Also, employees typically aren’t allowed to use holistic or alternative medicine providers. Furthermore, there may be specific requirements employees must follow in order to receive care. For instance, an employee may be allowed to use their own primary care physician for a work-related injury, but only if they first give their employer written notice.

Each of these options has its own set of unique benefits and drawbacks. Employer-selected treating doctors can save organizations money and simplify the workers’ compensation claims process. However, when an employer limits or chooses what doctor an employee is allowed to use for work-related injuries, employees may feel as if there is a conflict of interest at play. It’s not uncommon for injured employees to worry that employer-selected treating doctors – whether they are chosen directly by an employer or by the employee via an approved list – don’t have their best interests in mind. In other words – whether justified or not – an employee may be concerned that an employer-selected doctor is more focused on saving the employer money and not on treating their injury.

For employee-selected treating doctors, conflicts of interest are no longer a concern. However, the employee-selected doctor may not be familiar with the workers’ compensation process, which can complicate treatment and extend the return-to-work process.

Finding the Right Treating Doctor

Again, rules related to choosing a medical provider for workers’ compensation injuries are complicated and vary from state to state. To navigate these requirements effectively, be sure to work alongside qualified insurance and legal professionals.

This Work Comp Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.

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