If your California employee was injured, or claims to have been injured on the job, they may want to visit with their own doctor or medical professional. While they are welcome to do so, they generally must also visit with an in-network doctor. Indeed, many workers comp insurance carriers include a Medical Provider Network (MPN) in their provision of services to their insureds and the insured employees. Unless an employee has specifically elected to be treated by their personal physician in writing, and only if the designated physician has agreed to provide medical care for worker’s compensation injuries and illnesses in writing and the designation was made prior to the injury or illness, an injured employee must treat within the medical provider network.
Not surprisingly, many workers’ compensation disputes arise because the injured employee disagrees with the treatment recommended or provided by the doctor in the medical provider network. Often, the insured claimant will see another medical provider who may recommend a different treatment or disagree with the diagnosis altogether, causing a legal and medical dispute with the injured employee. The quality and accessibility of the medical provider network is a factor an employer should consider when selecting an insurance provider.Details