If you have been injured at work, you are covered under your employer’s workers’ compensation insurance. What does that mean for your medical care?
Do you have your choice of doctors?
The Pennsylvania Workers’ Compensation Act allows you to select from a list of health care providers that have been designated by your employer. Your employer must ensure that the list of physicians is properly posted, and it should have been signed by you at the time of your employment. You must be treated for your workplace injuries by one of the physicians on the list.
How many doctors do you have to choose from?
The list of health care providers must contain no less than six providers, and three of them must be physicians. The location and phone number of the providers must be included on the posted list.
If you don’t like the provider you selected, can you switch to another?
Yes, you may switch from one provider to another, as long as both exist on the employer’s list.
What if I need a specialized physician?
The list should contain specialty physicians, but if you need a specialist that is not included on the list, and the specialty care is considered reasonable and necessary, you may go with a specialist of your own choosing.
If you have had an accident while on the job, no matter what the cause, workers’ compensation insurance coverage should be available to cover your medical injuries. Often, having an attorney to ensure you are getting the complete coverage you deserve is not only a good idea, but necessary. Because you are limited to the doctors you are eligible to see, you may not always get the care and satisfaction that you otherwise would. An attorney can assure that you not only get the proper medical treatment, but that you are compensated for additional damages and losses if they exist.
Source: Pennsylvania Department of Labor and Industry, “Physicians List Defined,” accessed May. 15, 2015