Understand Workers' Compensation Insurance Benefits
You have the right to chose your attending physician. Some insurance companies, including SAIF Corporation, are part of managed care organizations (MCOs). This means the doctor you chose must be on the panel list provided to you by the workers’ compensation insurer. The workers' compensation insurance law requires the workers’ compensation insurer to have doctors in all specialties covered in its panel. The insurer is required to provide you with a list of all eligible medical providers and may not refuse to pay for reasonable medical treatment related to your injury.
The insurer may arrange for you to be evaluated by an insurance medical examiner, called an IME. The insurer is limited in its choice of IMEs and in the number of IMEs that can be scheduled.