What are my rights if the insurer refuses to approve a test or procedure that my doctor recommends?
You are entitled to all treatment that is medically necessary to treat your work related injury or condition. Many times the insurance company or employer refuses to pay for treatment or tests your doctor feels are medically necessary. If this is the case, then the insurance company is supposed to document and support their position with a second medical opinion by a physician chosen by them. However, many times the insurance company fails to take this step and could be liable to you for penalties. Many unrepresented claimants miss these opportunities. If your doctor is requested a test or some treatment and the insurance company is refusing to pay, please call me so that we can discuss the situation further.