- Covering Your Medical Costs: PA Workers’ Comp and Medical Benefits One of the primary concerns after a workplace injury in Pennsylvania is how you will pay for your medical treatment. This video will explain exactly what the workers’ compensation system covers regarding your medical bills, and how to ensure your care is paid for without you having to go into debt.
- “Reasonable, Necessary, and Related” Medical Care: We’ll clarify the three key criteria your medical care must meet to be covered by workers’ compensation. This includes:
- Reasonable: The cost of the treatment must be in line with what is typical for the procedure.
- Necessary: The treatment must be needed to cure or relieve your injury.
- Related: The care must be for a condition that is directly caused by your work injury.
- What’s Covered: We’ll list the wide range of medical services and expenses that are covered under this criteria. This includes:
- Hospital visits and emergency room care.
- Doctor appointments and specialist visits.
- Surgeries, physical therapy, and other rehabilitation.
- Prescription drugs and medical devices.
- The Importance of Following the Rules: We’ll remind viewers about the importance of following the rules, especially during the first 90 days. If your employer provides a proper list of designated physicians, you must use one of them during this period to ensure your bills are paid. After 90 days, you are free to seek treatment from any physician you choose.
- What If My Claim is Denied? We’ll explain what happens if your claim is denied and you are left with a pile of medical bills. Your private health insurance may cover the bills, but if you win your workers’ compensation case later, your private insurer may be reimbursed by the workers’ comp carrier.
This video is for any injured worker in Pennsylvania who is worried about how they will pay for their medical bills.