Florida PIP is exhausted at $10k but my PT says i need another 8 weeks - what are my options before i blow up the medpay or go to health insurance

got rear ended at a light in St Pete back in january. my car was fine-ish (DV claim is a separate fight for another day) but i had what they ended up diagnosing as a moderate cervical strain plus an L4-L5 disc bulge. been doing PT 2x a week since february with chiropractic mixed in. State Farm has been paying 80% of medical under my Florida PIP just like the statute says.

got a letter last week saying my PIP is exhausted at the $10k cap. my PT thinks i need another 6-8 weeks of progressive loading work and the orthopedist hasnt signed off on returning to anything more than light activity. realistically i am looking at probably another $4,500-$6,000 in PT and follow up imaging.

my options as i understand them:

1) bill remaining treatment to my health insurance (Aetna PPO through work) and deal with the deductible plus coinsurance. but then any settlement i eventually get from the at-fault carrier has to repay them via subrogation.

2) use my medpay if i have it (need to dig out my dec page, i think i had $5k medpay).

3) put it on payment plans through the providers and try to settle bodily injury with the at-fault carrier sooner rather than later, then pay them off out of settlement.

4) something i havent thought of?

has anyone navigated PIP exhaustion in Florida specifically? i am especially curious about the order of operations - do most people health insurance first then settle, or hold treatment until BI is paid, or run medpay in parallel?