If you are talking about the med you get for workers comp pain they do pay the 100% (do not use your ins.)... (doctors visits as well) 100% If you have been injured on the job, Worker's Compensation is responsible for the WHOLE thing. It is not responsible for the 20% copay for your health insurance.
It is illegal for you to file a work related claim on your personal insurance. Such claims must be covered by work comp per the Worker's Compensation Act. If your health insurance finds out, they can demand repayment.
Yes, supplemental health insurance is worth the cost, assuming that your version of Medicare does not cover all costs, including prescriptions and doctors visits. Supplemental coverage is worth the cost if you feel that your primary insurance is not adequate. If you are satisfied with your existing policy than it may not be worth the cost.
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