Getting Medical Care After a Workplace Accident: Who Pays, and When?

After an on-the-job injury, you have a lot on your plate. Workers’ compensation coverage is a wonderful protection and safety net for injured workers, but it can also be a confusing and overwhelming process for someone who has never experienced it before.

One of the first hurdles you will encounter as a first-time workers’ compensation recipient is the issue of paying for your medical bills. Are you covered from the start, or will you need to be compensated for the first few visits? Will your own insurance foot the bill?

After Your Workplace Injury, Your Medical Benefits Begin Instantly

While you will need to wait a bit for your wage loss benefits to kick in under workers’ compensation, your medical benefits start immediately. Once you are injured at work and you report your injury to your employer, your employer will file a claim with their workers’ compensation insurance carrier.

You don’t need to wait for your employer to act to seek much-needed medical attention, however. You can schedule an appointment with one of the doctors on your employer’s list of approved physicians right away (and remember, your employer must provide you with a list of at least six physicians, posted clearly in your workplace). Since the doctor is used to handling workers’ compensation cases, he or she should also be accustomed to the billing requirements.

If you went to the doctor immediately prior to reporting your injury (in the event of a serious injury, emergency medical treatment always takes priority!), when you report your injury to your employer, be sure to bring the bill for your emergency treatment. Don’t lose track of time, however—if you wait too long and miss the deadline for reporting, you will not be able to receive compensation for bills you already incurred.

If You Were Hurt at Work, You Deserve Compensation for Your Medical Expenses

Workers’ compensation is comprised of two very important benefits: medical and wage loss. If you are experiencing resistance from your employer or their workers’ compensation insurance carrier about your work-related injuries and medical bills, contact my firm today—I can help you protect your rights and get the compensation you deserve. Schedule your consultation today by phone or by filling out our online contact form now.