When you’re hurt at work, the last thing you want is a doctor who seems more interested in getting you back on the clock than getting you better. Many injured workers feel that way about the company’s doctors, and they’re not wrong to be careful. We help injured workers in Philadelphia understand exactly when they have to use the employer’s doctors and when they can choose their own, so your treatment works for you.
The Short Answer
Sometimes, for a limited time. Pennsylvania lets employers post a list of approved health care providers, often called a panel. If your employer did that correctly, you may have to treat with one of those providers for the first 90 days after you start treatment for the work injury. After that, you can switch to a doctor you choose.
The Employer Has to Follow the Rules
The 90-day rule only applies if your employer did its part. Generally, the employer must:
- Post a list of at least six designated providers, including at least three doctors
- Tell you about your rights and duties in writing, and get your signed acknowledgment, when you’re hired and again when you’re hurt
If your employer never posted a list or never gave you the written notice, you may be free to see your own doctor from day one. We see this often, and it is one of the first things we check.
Emergencies Are Different
If you need emergency care, go to the nearest emergency room. You don’t need permission and you don’t have to use a panel provider for emergency treatment.
After the 90 Days
Once the 90 days are up, you can treat with any doctor you choose. You must tell your employer within five days of your first visit with the new doctor. Keep a copy of that notice.
Why It Matters
The doctor you see shapes your whole case. Their notes decide whether you are “able to work,” whether your injury is “work-related,” and how long benefits continue. A doctor who listens, documents your symptoms carefully and refers you to specialists when needed protects both your health and your claim.
Questions About Your Doctor? Call Us
If you feel rushed back to work or your symptoms aren’t being taken seriously, call (215) 735-4800. It’s free to talk to us, and we only get paid if we win. We Win or It’s Free®.
Frequently Asked Questions
What if I go to my own doctor during the first 90 days?
If your employer properly posted its list and notified you, the insurer may not have to pay for treatment outside the panel during those 90 days. Your wage benefits are generally not affected.
Can the company doctor decide I’m fine and stop my benefits?
No. An opinion from the company doctor alone does not end your benefits. The insurer generally needs your agreement or an order from a workers’ comp judge to stop payments.
Can I get a second opinion?
Yes. If a panel doctor recommends surgery, you have the right to a second opinion, and you may be able to choose that doctor yourself.
Pennsylvania Law in Plain English
The Pennsylvania Department of Labor & Industry explains that employers may require injured workers to use listed providers for 90 days if the list is posted and the worker was properly informed. After that, you may change doctors, as long as you let your employer know within five days.
