What is medical benefits in workers’ comp?

Medical benefits under workers’ compensation cover all reasonable and necessary treatment for work-related injuries without financial limits. Coverage includes emergency care, hospitalization, surgery, physician visits, and diagnostic tests. Physical therapy, occupational therapy, and psychological counseling qualify when injury-related. Prescription medications receive full coverage without copayments or formulary restrictions. Medical equipment from basic supplies to complex prosthetics qualifies for coverage. Transportation reimbursement covers mileage to appointments and sometimes lodging. Provider choice varies by state from employee selection to employer direction. Utilization review may challenge treatment necessity requiring medical justification. Independent medical examinations assess treatment needs and work capacity. Experimental treatments face coverage disputes requiring evidence of efficacy. Palliative care qualifies when curative treatment exhausted for permanent conditions. Home modifications may be covered when necessary for severe disabilities. Medical maintenance covers ongoing needs after maximum improvement. Future medical settlements require careful calculation of lifetime needs. Understanding medical benefit scope ensures appropriate treatment access throughout recovery.

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