On Oct 3rd, I had an accident at a local spa - did not lock table leg in place. In the accident, I tore my TFCC in my right wrist. There are only a handful of doctors in my area that can treat this injury and all that have been contact have refused to treat me since it was an accident. One orthopedic surgeon in the area would take me, but if it requires surgury he would have to refer me out (and I would be back to this situation). I have been told by that doctor's admin and my benefits department to not disclose it was an accident to a new (much farther away) doctor and see if they will see me (only disclose it if they directly ask where the accident occured). This doesn't sit well with me. The other thing is that I was told (by Benefits and lawyers) that my health insurance should pay for this - its up to them to file a subjugation (sp?) to get their money back from the 3rd party liability company. However, no doctor will charge my Health Insurance once they know it was an accident. Has anyone had any experience with either option?
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