Thank you Catra,

I have no attorney and I am worried about being caught in the middle. Right now I have no co-pays or deductible, because my husband is paying for me to have top of the line secondary insurance, due to my brain aneurysm surgery and potential problems arising from CRPS that WC might deny. We decided to buy this level of coverage for two years after number crunching.

Medicare is my primary insurer, on their site they explain that they will pay if WC denies, with provisos for future re-payment from WC.

I am currently owed a bundle for co-pays I made in the past two years, but that reimbursement should be coming from the doctors and hospitals who were paid by WC after my previous insurance co raked back their payments. I was told by the doctor's billing offices everything would be automatically refunded once WC paid the bills, but as yet I have not seen a single dime returned.