Physicians Plus Insurance Company can provide substandard care and charge twice Madison Wisconsin

I was involved in a personal injury case five years ago. I personally have insurance through my employement. I received a settlement after 5 years from the other insureance company, and my personal insurance company is trying to get me to pay them $9,000.00 from my settlement. The other insurance company settled with me only a portion of what what I should have received becasue they said I had a preexisting problems with the injury.

My insurance company, physicians plus was paid for services because the company that I work for is self insured. I have received not received any relief from my treating doctors. Physicians Plus refused to preform a knee replacement, even through another doctor's group was willing to, and said that always with that type of injury a knee replacement is inevitable. My questions is.

Why is a HMO allowed to get double compentation. I pay my premiums every month, and my place of employment has already paid them as they are self insured. And, why should they be paid at all when they have not helped with the injury. If you take a car in for repair repeatedly and it was never repaired, better business would be there to help the consumer. Why is the medical field able to play god, and not provide a service when you pay them for that service.

They made a decision not to allow me to have a knee replacement and I was not allowed to have this done by someone who would perform the surgery. They are playing god because my quality of life is suffering. Now they want to be paid double? Why isn't someone protecting and helping us?

Madison, wi
Madison, Wisconsin
U.S.A.