If you are hurt on the job in Virginia, the employer should offer you a panel of physicians from which to choose. The employer is responsible for the payment of your medical treatment as long as you treat with a doctor on the panel. This article discusses whether you should private health insurance after a work injury.
Unfortunately employers do not always follow the law. If your employer denies your claim or refuses to offer you a panel of doctors, then you may treat through your private health insurance. But make sure you consider your private health insurance company’s interest if you decide to accept a Virginia workers compensation settlement. They have a lien against any settlement proceeds.