Medical Benefits

Medical benefits are provided under the Workers' Compensation Law, and there are no deductibles. The insurers usually pay the medical providers directly. Medical providers have to accept "workers' compensation rates" in order for you to receive treatment from that provider. These rates are usually less than medical provider’s usual customary charges, and this fact has resulted in many providers being unwilling to accept workers' compensation cases. The employee is not responsible for paying the doctor the difference between the workers' compensation rate and his full rate. In addition to coverage for medical bills, the employee is also entitled to reimbursement for out-of-pocket expenses for bandages and medications as long as they are reasonable and necessary. Insurers must also reimburse employees for mileage involved in travel to and from his/her doctors or physical therapists and other necessary transportation related expenses.