Loss Control Insights for Contractors
Control Costs While Providing Great Medical Care
Want to provide the best possible medical care to your injured employees while still keeping a handle on your medical claim costs? Consider designating a preferred medical provider to handle your company’s workers’ compensation claims.
Find Expert Care
EMC’s medical management staff
can help you find a provider with experience treating workplace injuries. This experience means effective, quality treatment for your employee, and possibly a faster return to work. Providers are often trained in occupational medicine and are familiar with the workers’ compensation system.
Creating a relationship with one provider allows you to set up clear procedures and better communication between your company, the injured employee and the healthcare provider. This makes the entire treatment and claim process more efficient, reducing administrative headaches that take you away from your business and make employees unhappy. EMC also partners with national PPO networks who negotiate medical care rates, helping to control the cost of the claim.
Manage Your Mod
Your experience modification rate—essentially a number that reflects your company’s loss history as compared to similar companies in your industry—can affect your bottom line in a variety of ways. If your experience mod is below average, you may not be able to bid on the best jobs and you may also be paying more than you would like in insurance premiums. You can help improve your experience mod by controlling medical claim costs (via a designated provider) and by getting injured employees back to work as soon as they are medically able (find more on that in our Return to Work
Setting up a designated provider is easy to do - just contact EMC’s medical management staff
to get started. They’ll do all the heavy lifting, including identifying qualified healthcare providers in your area and creating some communication materials for your employees.
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