Amen to Paulette. Get things in writing from W/C -

In my case, in this state - The State regulates the law that if it is a 'job related injury' and W/C is anywhere in the picture...Then my wife's Aetna CANNOT cover a thing.

When my W/C claim was giving me fits (still is, always has) I decided, after puking in withdrawals and not having a doc to monitor my spine....That I would attend another Pain Specialist on my wife's Aetna. NOT.....

The doctor's offices would not even take me in and see me, They said it is a conflict, WC vs. Aetna - job related - and that it would be illegal to even see me. (At that even, they would not and said NOT take my claim because It has been open for so long, 7 years, and they did not want to fight with WC.

I was not seen for 7 months but things may be alright temporarily here for me, I have the department ordering the self insured comapny to allow me to be seen....

What the department (WC) says and what the Self Insured says, MOST time are different things.
I document everything and have to trust my ATTY to straighten things out.
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There just might be a loophole in yours or the state of Mass. may be different than ours out West here? I do not know if I have helped, But if the results even said that I was ADR operable, I think that Aetna would cover it - But the State laws do not allow them to because it was job related. I could be WAY off and clear as mud, but only trying to help!
BB