I want to see my own doctor!

Many workers’ compensation plans state that you have to be treated by the insurance company’s doctor. However, the fine print oftens allows you to officially complain and request to see a doctor of your own choosing.  Additionally, if your injury is severe enough, you are usually allowed to get a second opinion.  In that case, you may see whomever you choose.  Note that in some states, there is a waiting period before you are allowed to see another doctor.  This is often 90 days, with their thinking that you won’t be needing a doctor after 90 days.  After the 90 days, you can switch over to your own doctor or health plan and the workers’ compensation insurance will have to cover all fees.