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I Was Injured at Work, Can I Use My Health Insurance to Cover Costs?

Scott Monge

No, you should not be using your personal health insurance to cover costs for injuries that should be covered under workers' compensation insurance.

Unfortunately, some companies do not have your best interests at heart when you suffer from a workplace injury. They act as your best friend when you are making them money, but as soon as you need help, they start to show their true colors. It is not uncommon for an employer to ask an injured employee to get treatment using their health insurance—but that doesn't mean it's right to do.

Why do companies do this? It's a simple matter of money. Most companies are required to carry workers' compensation insurance, which means they have to pay for it. Every time one of their employees files a workers' compensation claim, it has a negative effect on the premiums they will have to pay next year for their insurance. Their premiums are also based on how far the workers' compensation claims go, so many times, they will try to cut you off as soon as possible and encourage you to pay for the rest of your expenses with your health insurance.

The fact of the matter is that if you require treatment for a work-related injury, only workers' compensation insurance can be used. If you use your personal health insurance when you're still injured from your workplace injury, you will have to lie to the doctor and tell them your injury is not work-related. If you tell a doctor your injury is not from work, you are only hurting yourself and any potential your case has for filing a third-party injury claim.

Don't let your employer pressure you into using your own health insurance for treating an on-the-job injury. Call the Accident & Disability Attorneys of Monge & Associates today at (800) 860-8021 for a free consultation.

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