I was involved in a motorcycle accident, no witnesses, not at fault, no tickets issued. My auto insurance cut me a check, from a medical expense rider, which I was going to use for out of network doctors, and the deductable on my health insurance. My health insurance has informed me that I had to pay the amount from the auto insurance to all doctors up front, then meet my deductable with them, plus any extra out of network doctors, and my required 20% after the deductable. The health isurance is provided by my place of employment. Are they allowed to tell me what I am going to do with any money received from an auto policy?
