Doesn an insurance company have to approve treatment in a timely manner?
• A: The insurance carrier is responsible for reasonable and necessary medical care. However, if it has an independent medical exam (IME) doctor who finds your doctor’s proposed treatment isn’t necessary, it may deny payment. These types of cases often end up at trial, with your state’s Industrial Commission deciding which course of medical treatment is needed. These cases depend heavily on the medical evidence presented by both sides. If you’re in this situation, it’s probably best you speak with an experienced attorney to help make sure you get the medical care and attention you need.
