If you are in an automobile accident, your Personal Injury Protection (PIP) coverage of your auto insurance is your primary health insurance. All auto insurance must contain PIP coverage. This coverage pays up to 80% of your medical expenses up to $10,000. There is usually a $2,000 deductible which must be met first. If you are in an auto accident and you are hurt, you must seek medical treatment within 14 days of the accident or you may lose the PIP medical coverage.
If you are injured in an accident arising in the scope and course of your employment, your medical care is to be provided and paid by your employers Workers Compensation insurance. This is after your PIP coverage if you have been in an auto accident. If you are injured in a non-automobile accident and it happened during your work, then Work-Comp is primary.
If you have your own health insurance, then it becomes primary after PIP has paid out its benefits, assuming you were injured in an auto accident. If the injuries were not from an auto accident and therefore, there is no PIP coverage and if you did not sustain the injury at work, then your health insurance is responsible for your medical bills.
If you are drawing Work-Comp benefits, you cannot submit medical charges to your health insurer. Even if you do not like the care rendered by the medical providers given to you by the Work-Comp insurance company, you can not submit medical expenses to your health care insurer. They will not pay the bills.
In summary, PIP pays first for injuries in an auto accident. Next, Work-Comp pays next if hurt on the job. If not hurt on the job, then your own health insurance, if you have any, pays the medical charges.