Workers Compensation Out-Of-Pocket Costs

If you are injured at work, workers’ compensation should pay for your medical care and treatment needs. This means paying doctor bills, but it also means much more than that. If you have out-of-pocket expenditures which you must pay because your doctor recommends you buy medical devices or equipment, the money you pay for these costs generally should be reimbursed.

It is important you understand what types of costs are considered covered workers’ compensation out-of-pocket costs. You also need to be aware of the process of seeking reimbursement. A Charleston workers’ compensation lawyer at Howell & Christmas, LLC can provide you with assistance in getting your bills and costs paid. Give us a call to get personalized advice and to get answers to important questions, such as:

  •       What types of out-of-pocket costs should be covered by workers’ compensation?
  •       How can you get out-of-pocket workers’ compensation costs paid?
  •       How can a South Carolina workers’ compensation lawyer help you?

Out of Pocket Costs

Out-of-pocket costs which should be covered by workers compensation include any expenditures that you must make because of recommendations by your doctor. As this video explains, your doctor might recommend that you purchase certain types of care items, which should be reimbursed.

When you spend money on medical equipment, treatment, or medical devices, you should get the cash back that you have paid. Anything you buy over-the-counter at a drugstore, or anything that your doctor prescribes or recommends, should be covered if the medical equipment or device was necessary due to your work-related illness or injury.

Covering Costs

You will need to submit a claim to the workers’ compensation insurer and need to submit documentation and information requesting reimbursement for workers’ compensation out-of-pocket costs. You should:

  • Write a cover letter that describes the documentation that you are submitting and reimbursement being sought. Be sure to identify your worker’s compensation claim number in the letter if you know it.
  • Include original copies of all medical bills and prescription drug receipts for which you are seeking reimbursement. Make sure that all medical bills include the procedure code in relation to your treatment. Do not submit documentation from a collection agency. Contact the medical provider’s billing department if you need original or itemized copies of bills for any treatment performed, which should include procedure codes.
  • Keep a photocopy of every item submitted to the insurance carrier for your own records.
  • Send all documentation to the insurance carrier via “certified mail return receipt requested.” Keep the mail receipt with your records.

An insurance carrier must respond to your request for reimbursement, either by providing reimbursement or denying your claim, within a reasonable time period after receiving your documentation. The insurer may be subject to penalties for failure to respond in a timely manner.

How A Lawyer Can Help

At Howell & Christmas, LLC, our experienced lawyers can help you to determine if you should be reimbursed for expenses and provides assistance with making a claim for reimbursement. Give us a call as soon as possible so we can help you to get back the money you spent for your workplace injuries.

Free consultation