Workmens comp or health coverage

I need to know your opinion. I had an accident at work a few months ago,it was reported. I hurt my heel.I reside in NY and I happen to have excellent healthcare coverage.I am still having major problems with my heel and I need to see a doctor.Im wondering what would be the best way to file this claim? Workmens compensation or simply use my health coverage? Please tell me the pros and cons of using either,I am concerned that I may need a surgery and will lose too much money not being in work.

On a job related injury you ALWAYS need to file workman's comp. It is not your regular insurance's responsibility to cover this and filing on your regular insurance can now make the whole incident and injury a "pre-exsisting" condition which could limit some of your futher coverage options.

Sometimes "pre-exsisting" conditions can excluded by futher insurance carriers or at the least,give you a period of non coverage for that particular condition.

Even if they do take your "pre-exsisting" condition it could cause your rates to be higher than they are now. . .not a good price to pay for being a hero and using your own insurance.

There may also be a possiblity that this injury could cause you further problems in the future and if that does happen and you have filed your own insurance rather than workman's comp.,you may not have insurance at all at the time you need it so you would be out of luck.