You can be charged for medical costs if:

• Treatment of conditions is not related to an accepted injury or illness.
• Treatment has not been prescribed by your attending physician. This would include, but not be limited to, treatment of nonattending physicians that continues after SAIF has notified you to change.
• Palliative care, which is not covered by Workers' Compensation law and not approved by SAIF. This includes most treatments after you are medically stationary.
  
• Treatment not covered by an MCO contract.
  
• If your doctor tells you to stop working, but thinks you will recover and return to work, you have a Temporary Total Disability and are eligible for "time-loss" benefits.