The Government Says that YOU cannot decided

I believe that companies or their insurance should pay when a worker is injured on the job. I also believe that auto insurance should pay when someone injures their mouth, jaw or teeth in a car accident.
The GOVERNMENT says the a dentist MUST accept whatever the government wants to pay to correct the injuries.
Now let's say that you fell at work and broke your three front teeth but you know that your new young dentist is not very good at fixing front teeth so that they would look as good as before they were broken.
And let's further assume that your co-worker, a patient of Dr. Benjamin, tells you to go to see him because he CAN make you look as if you hadn't taken that bad fall and he has gone to lots of extra training to know how to do what he does.
You call Dr. Benjamin and explain that you were injured on the job and Donna, the secretary extraordinaire, tells you that Dr. Benjamin does not accept Workman's Compensation fees.
You are so disappointed that you might have to go back to your new young dentist to fix your front teeth so you tell your boss that you can't go to the dentist with lots of training in repairing front teeth because he doesn't accept Workman's Compensation fees. Now your boss is a very smart man and knows that you are the best employee that he has so he personally calls Dr. Benjamin's office and tells Donna that he will pay Dr. Benjamin's usual fee or whatever Workman's Compensation does not pay.
The New York State Government says that neither you nor your employer can use YOUR OWN MONEY to get the best care that you want and deserve. This is one of the few times in all of American life that you cannot, BY LAW, buy what you want.
This is not right.