There could be several reasons why the work comp carrier is not paying for treatment. 1. If settlement included your being treating only by an authorized treating physician (and you are not complying) or 2. The injury which you are trying to receive treatment for is not the injury the settlement was based. Nevertheless, if you have followed the settlement - take these steps.
1. Obtain a copy of the final settlement papers(signed by a judge).
2. Obtain a letter from the doctor stating that treatment administered is for the injury (or directly related to the injury ex. double back fusion which has now caused impotency sorry but that was the one example I remembered while working with a work comp attorney) sustained which is subject to the work comp claim.
3. After you receive that information, either contact the attorney who represented you either by certified letter and U.S. regular mail or telephone and explain that the work comp carrier is denying treatment and give him copies of the supporting documents.
Having this information will help speed the process along. Techinically, once your case is over - through trial by court or through settlement the attorney who represented you is no longer your attorney unless he/she is being kept on a retainer. But I believe if you get this information, the attorney will help you- if not seek counsel elsewhere.
As to your personal insurance covering you - if work comp is not covering the injury (even if they should) your personal insurance will probably cover it. They are probably going to ask you to sign subragation papers - which simply means if it is proven that your injury should be covered under work comp - your personal insurance company will recover the monies they have spent.
It does not matter that you settled your work comp case as long as you kept the meds open. If the settlement provides for lifetime treatment for the injury then that is what it means. Now, if you were later contacted by the work comp carrier and was offered a cash payment to settle and close your meds and you did that - then they will be under no obligation to do anything further. If you have not closed your meds and your injury falls under the guidelines setforth - you will be ok.
Hope this helps.