What are medical benefits and how do I get them?

Medical benefits are 100% payment by the insurance company for any treatment for a compensable injury through an appropriate healthcare provider. This can include physical therapy, surgery, medications, diagnostic testing, psychological counseling, injections, hospitalization, and other medical care. Medical care, except in emergency situations, is generally paid by the insurance company when it is given by or at the referral of your primary treating doctor recognized under the claim and either preapproved as medically necessary or reviewed later for payment after the service is performed. Generally, you cannot seek medical care on your own, outside the workers' compensation system, and get reimbursement for your costs. Exceptions may apply.