What medical care does workers’ compensation cover?

On Behalf of | Jun 21, 2024 | Workers' Compensation |

Getting hurt on the job can lead to a number of different issues. An on-the-job injury can quickly become very expensive. Workers may need to leave in the middle of a shift in some cases. They may need emergency medical care. They may have to think about replacing their lost wages until they heal enough to return to work. In some cases, they may not be able to continue the same career and may face a reduction in their earning potential.

Workers’ compensation benefits help protect California employees against financial hardship. Benefits can include disability coverage until someone returns to work. Workers may also qualify for medical benefits that pay for their treatment. Such coverage is particularly valuable because it covers even those without health insurance.

Workers’ compensation pays for all necessary treatment

There are many different forms of medical support people might require after getting hurt at work. The treatment needs of someone with a job-acquired medical condition might be very different than the needs of someone with a traumatic injury.

People can suffer medical issues ranging from traumatic amputations to cancer because of their employment. Medical coverage can help regardless of the diagnosis. Workers’ compensation does not approve only certain types of care. Instead, the program provides sweeping coverage for treatment deemed necessary by the physician overseeing the patient’s care.

Employees can receive full medical coverage for all kinds of treatments. Workers’ compensation medical benefits can pay for:

  • surgery
  • emergency trauma care
  • medication
  • physical therapy
  • inpatient care at hospitals
  • emergency transportation to medical facilities
  • imaging tests
  • clinical appointments
  • first aid

Depending on a worker’s symptoms and their prognosis, a broad range of treatments may be available. They do not have to pay for care in the form of co-pays or a deductible. However, they have to respond to treatment and comply with medical instructions to maintain benefits in most cases. Medical benefits may end when someone stops improving or they fully recover.

Ultimately, learning more about how California workers’ compensation helps pay for medical care can benefit those coping with job injuries. Medical coverage can be a very valuable component of workers’ compensation if people know what they are entitled to – and how to push back if they’re not receiving what they deserve.

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