If you get hurt or suffer an illness because of your job, you likely qualify for medical care coverage through workers’ compensation insurance. This includes coverage for all out-of-pocket costs related to stabilizing, diagnosing, and treating your injuries and illness.
Most Pennsylvania workers qualify for this type of insurance under the PA Workers’ Compensation Act, which requires employers to provide workers’ compensation insurance. You likely have access to benefits from the first shift you work.
Medical Bill Benefits Begin Immediately After an Accident or Illness
The medical bill benefits available through workers’ compensation should begin at the time your injury or illness occurs. This means the bills for the ambulance ride to the hospital and emergency room triage and care should go to the insurer, not you. While you will need to tell them your injuries are work-related, you should not have to deal with medical bills or other charges related to your treatment or care.
You will need to notify your employer about your injuries. They then have a limited time to notify the insurance company and submit forms to file a claim on your behalf. If everything goes smoothly, you will not need to worry about any costs related to your medical care.
How Do Workers’ Compensation Medical Bill Benefits Work?
When it comes to workers’ compensation medical bill benefits, you should not have to worry about paying anything or even receiving a bill. There are no co-pays, deductibles, or any other fees allowed on medical treatment for a work-related injury or illness. If you are ever asked to pay anything out of pocket, consult an attorney.
The hospital, doctor, or walk-in clinic will send your bills straight to the insurance company. There is a specific fee schedule they must follow, and the insurance company will pay out to cover these fees for your care.
Rules for Ensuring You Get Your Pittsburgh Workers’ Compensation Medical Bill Benefits
The Pennsylvania Workers’ Compensation Act requires you to visit a doctor designated by your employer, sometimes called the “company doctor,” when you suffer a workplace injury or illness. The law requires you to see the company doctor for at least the first 90 days.
To identify the doctors designated by your employer, you should have access to a list of approved care providers. Section 306(f.1)(1)(i) requires all employers to designate at least six care providers. They also must:
- Provide every employee with a written list of their right and duties; and
- Obtain a signature or other acknowledgment that the employee received this information; and
- Notify all employees of the designated care providers
Most employers will publish this list in their employee handbook and/or post it in a common area for workers such as a break room or near the time clock. If your employer does not meet the requirements under Section 306(f.1)(1)(i), you can see any doctor you choose to receive care for your on-the-job injuries.
Let Berger and Green Help You Pursue the Full Medical Bill Benefits You Deserve
Getting the workers’ compensation coverage you are entitled to is not always as easy as it should be. If your employer does not believe your injury occurred because of work or if their workman’s comp insurance company denies your claim for another reason, you may need to appeal their decision. You do not have to try to navigate this process on your own.
In the Steel City and the greater Pittsburgh area, the workers’ compensation attorneys from Berger and Green can help. One of our founders, Laurence B. Green, has more than four decades of experience going after the compensation Pittsburgh residents deserve after an injury accident. We know how to fight for the money you need and deserve.
We will review your Pittsburgh workers’ compensation case at no cost to you.
Talk to a Workers’ Compensation Lawyer in Pittsburgh About Your Benefits
At Berger and Green, our workers’ compensation attorneys can explain your rights after a workplace accident or illness. We can help you understand the coverage you should receive from your employer’s workers’ compensation insurance provider and fight for any benefits they deny you. We are not afraid to go toe-to-toe with your employer or any insurance company.
To get help with your Pittsburgh area workers’ compensation case, call us today at 412-661-1400. We will evaluate your case for free and build a strong argument to pursue the full benefits you deserve.