I am also a victim of WC.

Often when I have needed treatment for my RSD I have pulled out my private insurance card (United Health) and used it when WC has refused to pay - at the pharmacy, for PT, and for medical procedures. My lawyer spent hours transferring charges from United Health to the Hartford last year when WC finally decided to accept responsibility for a raft of charges that had accumulated over a period of several months. Not my problem.... of course, I also had to come up with a co-pay in many instances, but it was better than going without anything at all.

If you have secondary insurance, see if you can use it to get the services you need.

Good luck, WC sucks. Try not to get too stressed out about it. Sandy