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Medical Panels
Many employers established a panel of medical providers to send
their injured workers to. These are doctors paid by your employers
insurance company. They give you this list in so you can choose one
of their doctors. But your employer can not tell you which of those
doctors to choose. And even after you choose, you can switch to
another of the doctors on the list within this 90-day period.
Both you and your employer would like to see you get better and go
back to work. But often an employer wants to send a worker back
before they have improved enough for a safe return to work.
The first 90 days
During the first 90 days after your injury, you have no choice but
to see their doctors. But this does not mean that you cannot also
see you own doctor. We urge you to get a real second opinion from
your own doctor. But please be aware that this is not going to be
paid for by worker's comp. And in all likelihood, it will not be
paid for by health insurance. So discuss with your doctor how you
can get examined without having to pay a large amount for the
examination. You would be surprised how accommodating your family
doctor may be in this circumstance.
What about after the first 90 day?
The good news is that you can choose you own doctor after the 90
day time period has expired.
When else can you choose your own doctor?
If your employer fails to provide a panel of medical providers, you
may treat with your own doctor. In addition, when an insurance
company has denies your workers compensation claim, you can select
a doctor on your own. Further, if all of the doctors on the list
cannot give you an appointment, then you can select your own
doctor.
Please consult a lawyer as soon as possible. In some circumstances
the employer fails to provide the proper paper work. This failure
can impact your ability to choose your own doctor. Sometimes the
employers failure will allow for you to see your own doctor.
Is surgery required? This is another situation where you may be
entitled to consult your own physician. If medically prudent, get a
second opinion before going under the knife.
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