Is the insurance industry dictating the care that you receive? Well, let’s take a look into the area of worker’s compensation.
All employers are mandated by law to carry insurance in the event that you’re injured at work. The care you receive is dictated by your employer, who usually follows the guidance of its insurance carrier. The problem is that you are only allowed to receive treatment from an insurance approved physician and or hospital.
A good friend of mine spent his entire career as a civil servant. Both of his knees are shot and require knee replacements. He cannot go see his own orthopedist or have surgery at a hospital of his choice. Not knowing the physician and/or the hospital where he is going to have major surgery I’m sure creates anxiety. He is dictated to by the insurance company and if he does not comply they will not cover his claim. His private insurance will not cover it because it is a work related injury.
Another example of the tail wagging the dog.
One mechanism to correct this medical injustice is that by law you ca go to your employer and request the appropriate paperwork indicating your desire to see your own physician. They are mandated to allow you to do this, provided the paperwork is completed prior to the injury. In addition, your private physician must agree and sign the appropriate paperwork.
No one expects to get injured at work, and when you do, you certainly don’t want your employer’s insurance company dictating the kind of care you will receive. It is important to file this required paperwork before hand to protect you in case something happens.