My workers compensation claim was made in the State of: Arkansas
I was injured at work this past week. My employer is not disputing that the injury was work-related. In fact, Human Resources immediately filed what they call an initial report (without asking me, and I have not seen a copy of it, so I have no idea if their version of what happened is accurate). Now, two days later, Human Resources says it's up to me whether I want to pursue Workman's Comp benefits. I would prefer to use my health insurance, so as to retain my privacy and be able to choose my own doctors. I'm okay with paying more out of pocket than I would with Workman's Comp.
My question is, can my employer-sponsored health insurance company decide to deny me benefits for this injury? My concern is that the health insurance will try to say that it is the employer's liability insurance -- in other words, Workman's Comp -- that is responsible for my medical costs. The last thing I want is to find out down the road that I'm not just paying copayments and deductibles but the entire cost of my medical care. The injury will cost in the thousands, even if it turns out that I don't require surgery. I have an appointment with a specialist next week to see if he thinks I need surgery or if the injury can heal on its own. I just can't pay for the costs of treating this injury without insurance coverage, especially if I turn out to need surgery. I feel like I have to make a decision soon, and I don't know the facts. The Human Resources lady said she did not know if the health insurance can deny responsibility, and she did not know what the deadline is for me to say if I want Workman's Comp.