So, since he went to an unapproved doctor is this covered by the Patriots HMO or is he going to have to pay for it himself?
1. The Patriots approved this doctor.2. It isn't a health insurance claim, it is a workers' compensation claim.
It's neither. This is a pretty specialized industry where on the job injuries are expected. The team pays for it per the terms of the CBA and the employment contract. The workers compensation scheme has nothing to do with it, nor does standard health insurance.
Wrong. It is workers' compensation.NFLPA Weekly Message, Oct. 6
October 06, 2008
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Players are being reminded during NFLPA team visits this month about the importance of preserving their medical rights through filing workers compensation claims. Workers comp laws of the various states provide lifetime medical care for job-related injuries, and any player who fails to file a workers comp claim for an NFL injury could find himself having to pay for surgeries and other medical expenses which arise long after his career is over.
Every player should be mindful of the need to file, and he can get help by contacting the attorneys in his team city who serve on the NFLPA Workers Compensation Panel. (A listing of those attorneys is in the NFLPA Player Planner and can also be found on this website by signing in, clicking on “My Profile,” going Resources and then Legal Resources on the left-hand column.) The cost of workers compensation coverage is charged against the salary cap, so in a real sense, players are paying the cost of this important benefit. As a player, you wouldn’t forfeit your pension, severance pay, player annuity or any other benefit. You shouldn’t forfeit your workers comp benefits either, since they are just as important.
Are NFL Players eligible for workers' compensation?
Players injured while playing for their NFL club may be entitled to monetary benefits under state workers' compensation statutes. Although there is much variation among the states, players are generally eligible for workers' compensation benefits while playing. The benefits usually take two different forms: Disability Pay to compensate a player for the time he is out of work due to an injury-related disability; and, Medical Expenses arising from the injury. This is important since NFL clubs will not pay medical expenses after a player leaves the game unless the player files a workers compensation claim. The NFLPA has formed a panel of Workers' Compensation Attorneys to assist players with their workers compensation claims. These are experienced attorneys who routinely represent players in workers compensation claims, and they are "on call" to help players.
Here is a link from NCCI, the major governing body for Workers' Compensation in the US
https://www.ncci.com/documents/Issues-Rpt-2008-LB-NFL.pdf