The insurance company is responsible for all reasonable and necessary medical charges connected with your work injury. This includes hospitals, physicians, ambulance charges, x-rays, crutches, physical therapy and prescription charges. There are no deductibles or co-pays, and you do not pay any of the medical costs. All of your medical expenses are paid if the care is reasonable, necessary and associated with your injury. In addition, you are entitled to reimbursement for mileage expenses associated with your medical care. No medical provider can request direct payment, or that you use your regular medical insurance, once you tell them the injury is work related. If your local pharmacy will not bill the insurance company directly for any needed prescriptions, you may wish to contact the Injured Workers' Pharmacy at 1-888-321-7945. They will bill the insurance company directly so that you have no out-of pocket expenses.