Once the insurance company’s doctor has released you, you are free to treat with your own doctor. If you do treat with a doctor on your own, you will need to file the costs with your private health insurance carrier or pay the doctor out of your own pocket. There is no guarantee that your employer’s insurance carrier will end up covering these expenses. If you feel strongly that you need a second opinion, you may consider requesting an independent medical examination through the Worker’s Compensation Board of Indiana. You will need to fill out form 38911 which will be mailed to you from the insurance carrier at the time you have been released and your TTD benefits have been terminated. You only have seven days from the date of receipt to return this completed form to the Worker’s Compensation Board of Indiana.