Reasonable and necessary medical care is one of your most valuable workers’ comp benefits. It’s important to choose a doctor who will not only treat your injuries, but also advocate on your behalf in your workers’ comp case. Below, we discuss the importance of your treating physician—and how to change doctors if necessary.
Your treating doctor’s opinion will carry significant weight in your workers’ compensation case. Unlike a doctor who examines you once, your treating doctor monitors your recovery over time. This gives your treating doctor a better understanding of your injuries, your need for medical treatment, your ongoing physical limitations, and the likelihood of a full recovery.
Your doctor will make important decisions in your case that will directly affect your recovery and benefits, including:
The rules about who selects the treating doctor vary from state to state. In some states, you can choose your own doctor from the very beginning. For example, in California, you may “predesignate” your primary care doctor to treat your work injuries, as long as you do that before the injury. (See details in our article on choosing treating doctors in California.) In other states, you might be limited to selecting a doctor from your employer’s established health care network or from a list of approved physicians. Finally, some states let your employer choose your initial treating doctor.
If you live in a state that allows your employer or its insurance company to choose your doctor (sometimes called a “company doctor”), you might find yourself receiving substandard care. While some company doctors are unbiased and provide high-quality treatment, others tailor their treatment to minimize the insurance company’s expenses. For example, it’s not uncommon for a company doctor to send an employee back to work too quickly or deny a necessary surgery because of the expense.
Because your treating doctor’s opinions will have serious impacts on your health and your workers’ comp benefits, you need a doctor that focuses on your recovery—not on the insurance company’s financial interests. If you’re worried about the company doctor’s potential conflict of interest—or you’re unhappy with your medical care and lack of improvement—consider changing doctors. In nearly all states, you can change doctors at least once in your workers’ comp case. However, you need to follow the proper procedures in your state. (To learn more see our article on how to switch workers’ comp doctors.)
If your state lets you choose your treating doctor, you should take advantage of this opportunity and carefully weigh your options. You should research doctors in your community and consider their:
The doctor’s personality is also important. You should trust your doctor and feel comfortable discussing your conditions and concerns with him or her. To learn more, see our article on finding a treating doctor in your workers’ comp case.