In the State of Florida, Workers' Compensation insurance pays for all
reasonable and necessary medical expenses and care stemming from your
work-related injury, including but not limited to:
- visits to an approved doctor (chiropractic visits may be limited)
- surgery (and home nursing services, when necessary)
- hospital care
- dental care
- prescription drugs
- braces and crunches
- other medical supplies when ordered by your approved physician.
Before being treated, be sure you have the approval of your employer's
workers' compensation insurance carrier. You are not responsible for
the doctor bills as long as the worker’s compensation insurance
company approves the doctor you are seeing. If you see a doctor without
the workers' compensation insurance carrier's approval, you will
probably be responsible for the bill. When you receive approved medical
treatment, the doctor providing the medical care will bill the workers'
compensation insurance company directly. If you are billed, send the bill
to your attorney. The Worker’s Compensation law, as wells as the
Florida Consumer Collection Practices Act prohibit collecting debts incurred for personal purposes that are illegitimate.
If your medical service provider knowingly attempts to collect the medical
services bill directly from you in the face of a pending worker’s
compensation injury or claim, you may be entitled to statutory damages
of up to $1,000.00 under the FCCPA, plus the medical service provider
must pay your prevailing party attorneys’ fees and costs in the action.
NOTE: There is one exception to the above referenced general rule: If you
were injured on the job on or after January 1, 1994, your doctor is responsible
for collecting directly from you a $10 co-payment per visit after you
reach maximum medical improvement (MMI).
If you need copies of any medical reports, you can get them from your doctor
or workers' compensation insurance carrier, but there may be a charge
for these copies.