Reviewing Medical Services Covered By Worker’s Compensation Insurance

In Oklahoma, worker’s compensation insurance provides injured workers with specific medical services. However, with changes in worker’s compensation laws, the workers could face some limitations on their coverage. For example, diagnostic services are not covered under the policies initially. Coverage doesn’t start until the doctor provides a diagnosis of the worker’s injuries. A local attorney helps workers who were denied the benefits.

When is First Aid Provided?

The worker receives first aid on the job site right after the accident that caused their injuries. All employers must have a first aid kit on-site for sudden emergencies. A safety policy must define the actions of nearby workers after an accident happens as well. However, in serious accidents, paramedics are called to the scene.

Medical and Surgical Care

Medical care is provided immediately following the accident. The worker receives a form for the doctor to complete. If surgery is required for the accident injuries, the Worker’s Compensation Commission must approve the procedure prior to the date it is scheduled. However, emergency surgery is covered always. The worker’s compensation insurance covers the cost of the hospital stay as well. It also provides full payment for all medications prescribed by the doctor or surgeon.

Specialty Services for Injured Workers

The worker’s compensation insurance covers specialty services required for treating the worker’s condition. Among the specialty services are optometry, podiatry, and long-term or in-home nursing care. Any apparatuses needed during the worker’s course of treatment for the injury is covered under the policy. Products such as crutches, walkers, and braces are common apparatuses used in specialty services.

Will the Policy Pay for Tests, X-rays, or Other Services During the Diagnosis?

Coverage kicks in after the doctor identifies and diagnosis an on-the-job injury. All tests, x-rays, and services performed by any doctor that is associated with the injuries are covered after the worker becomes eligible.

In Oklahoma, worker’s compensation insurance is required by law unless the employer can provide the same level of coverage. The workers must receive benefits once they have an eligible condition. Typically, the condition must prevent the employee from working to receive monetary benefits. Workers who are denied coverage can contact an attorney by visiting today.