Workers' compensation insurance is legally mandated to cover 100% of all reasonable, necessary, and authorized medical expenses directly related to a work-related injury or occupational illness. This includes emergency room care, diagnostic imaging, surgical procedures, physical therapy, prescription medications, and necessary medical devices with zero out-of-pocket deductibles or copays for the employee. However, care must typically be provided through approved medical networks or authorized treating physicians chosen in accordance with state-specific regulations.
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