So it sounds like you are at least somewhat familiar with the system and the financial side. The biggest problem is that once you start paying through regular insurance it opens the door for work comp to start denying other stuff. BUT...if you need the care now then you need the care now. I've always had a lawyer when things started to get this complicated to help with getting work comp approval on stuff...I'm sure there's some method for an individual to do what the attorneys do to appeal the denial...but I don't know what it is (and I'm sure its different in every state). At least with the level of insurance you guys have then you immediate OOP expenses would be small or none. Its a hard decision to make...I am going through something similar myself and am unsure what I want to do about it...