After a work injury, you may want to see your own doctor. Missouri law limits that choice in most workers’ compensation claims.
Who chooses the treating doctor?
In Missouri, your employer has the right to select the authorized treating physician for your work injury. This rule appears in RSMo § 287.140.10, which gives the employer the primary right of selection. The law also clarifies how that choice works:
- Employer’s right of selection: Your employer chooses the physician or other health care provider.
- Insurer exception: If the employer and insurer disagree, the employer’s choice controls.
- Licensing limits: The provider must treat you within the scope of their professional license.
Because your employer controls medical selection, you must usually treat with the authorized doctor to receive covered care. The physician then determines your diagnosis, work restrictions and treatment plan.
This matters because the authorized doctor’s opinions often guide your wage benefits and disability rating. If that doctor releases you to work or finds maximum medical improvement, your payments may change.
Can you see your own doctor?
You may choose your own doctor. However, you will likely pay out of pocket unless your employer or insurer approves that care.
Missouri law does not require your employer to reimburse unauthorized treatment. Private health insurance may also deny coverage for work injuries. That can leave you responsible for the full cost.
In an emergency, you should seek immediate care at the nearest hospital. Emergency treatment is generally covered due to the urgent nature of the injury.
What if you are unhappy with the company doctor?
You may request a one-time change of physician. You should make that request in writing and explain your concerns.
In some cases, you may seek an independent medical examination. If disputes arise over necessary treatment, the Division of Workers’ Compensation may review the issue.
Employers may use managed care plans. If so, you must select a provider within the approved network.
When to consider speaking with an attorney
Medical treatment decisions can directly affect your wage benefits and long-term recovery. If you believe your care is inadequate or your change request was denied, you may need guidance on your options.
An attorney can review whether your employer followed Missouri law, help you document concerns about treatment and represent you in disputes before the Division of Workers’ Compensation.