It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Health Insurance Issues Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 08-02-2006, 06:40 PM   #1
Junior Member
(male)
 
Join Date: Jul 2006
Location: Fremont
Posts: 12
bgsha HB User
Question on Insurance Continuity - Workers Comp. and/or Medical

I have two questions and would appreciate feedback:

I had injury while at work and was put on workers comp. I am being treated by Doctors from the medical network of workers comp. insurance and/or my employer

1) Does workers comp. insurance continue if the job is changed? If I move from one state to another state with different company, will the workers comp. insurance continue in another state (and now a different company). Thus can I continue to obtain treatment from Doctors of the workers comp insurance in another state and with a different company?
2) How about the Medical PPO plan? Will the new medical PPO of another company offer me treatment for the injury or consider it as pre-existing condition? I am currently with BCBS PPO and other company may have a different PPO plan.

 
Old 08-03-2006, 07:07 PM   #2
Senior Member
(female)
 
Join Date: Apr 2006
Posts: 201
Green Frog HB User
Re: Question on Insurance Continuity - Workers Comp. and/or Medical

The worker's compensation claim should remain active regardless of whether or not you leave to go to another company in terms of treating the medical condition. Your benefits such as being paid wages for any time lost would not continue, however, if you quit. The work comp insurance will continue to pay the medical claims as long as it continues to be a legitimate claim. As far as the new medical insurance at a new company covering a pre-existing condition, it depends a lot on the insurance company's contract with that employer. Some contracts do not have any stipulations for pre-existing conditions as long as you haven't had a lapse in insurance coverage for a period of greater than 60 days. Other insurance plans do have stipulations against pre-existing conditions. The best thing would be to call the HR dept. of your new company and ask about pre-existing conditions and if their medical plan will cover them or not.

 
Sponsors Lightbulb
   
Old 09-25-2006, 01:21 PM   #3
Senior Veteran
(female)
 
Join Date: Aug 2005
Location: Panama City Beach, Florida
Posts: 1,699
xinerevelle HB User
Re: Question on Insurance Continuity - Workers Comp. and/or Medical

Regardless of whether there is a pre-existing conditions clause the personal or new group insurance plan probably won't cover ANYTHING that was related to a work comp case prior. There is always a question on the intake form that says "was this a work-related injury" (there's also usually a "was this an auto-accident injury" question). When you sign the form it usually states that you are acknowledging that the things on the form are true. When the insurance company sees that this was a work comp injury, they are going to refuse payment and send you back to the work comp folks for treatment and payment. (Same situation if you are in an auto accident and try to claim it on your regular insurance instead of under your personal injury protection (PIP) on your auto insurance.)

This is why when you settle your work comp case some amount is set aside for your future medical care. In the meantime, you should continue to get treatment from the WC insurance provider, regardless of where in the country you live. These companies have large networks and I'm sure have partnerships with different networks that are outside of their primary area (similar to how the different BC/BS state plans work). Just because you've been injured on the job doesn't mean that you have to limit your life to staying at the same job and staying the same job.

Additionally, if you quit your current job (where you were injured) and start working at another job, and your doctor puts you on a "do not work status" you can still collect temporary total disability. This happened to me... I had back surgery a year after my injury. I was working for a different company at the time and got my checks for the 4 weeks I was out.

And if you don't have a lawyer, get one. Surely, the work comp folks have lawyers on their side... protect yourself. Your lawyer will be able to answer these kinds of questions for you and is familiar with the intracies of the myriad of complex laws regarding WC.

Good luck!

 
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
IME Panel Exam Question almondjoy Disabilities 12 05-09-2009 04:23 PM
Workers Comp Insurance, delays medical treatment Spondy=ouch Back Problems 20 05-18-2007 10:54 PM
question for those on Workers Comp and has RSD RSD hopeless Reflex Sympathetic Dystrophy (RSD) (CRPS) 16 05-18-2006 07:48 AM
Back Injury & Workers Comp TexasHogDogs Back Problems 21 05-05-2006 01:04 PM
Need Help?? Worker's Compensation Question Randy C Disabilities 107 10-16-2005 06:02 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Join Our Newsletter

Stay healthy through tips curated by our health experts.

Whoops,

There was a problem adding your email Try again

Thank You

Your email has been added








TOP THANKED CONTRIBUTORS



Whynowthis (44), youtoo1955 (29), SpineAZ (20), vann04 (17), dismama (10), magicssd (8), Titchou (8), sandiemas (7), Jacki345 (6), minnieme1982 (6)

Site Wide Totals

teteri66 (1180), MSJayhawk (1006), Apollo123 (906), Titchou (852), janewhite1 (823), Gabriel (759), ladybud (755), midwest1 (669), sammy64 (668), BlueSkies14 (607)



All times are GMT -7. The time now is 05:04 PM.



Site owned and operated by HealthBoards.comô
Terms of Use © 1998-2014 HealthBoards.comô All rights reserved.
Do not copy or redistribute in any form!