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Tennessee Workers Comp Health Costs Controlled By Fee Schedule


Tennessee Workers Comp Health Costs Lowered

Fee schedules for Tennessee Workers Comp health Costs work reduced medical costs in the state without question. Most of the Workers Compensation data has shown that medical costs have been outpacing all other costs in Workers Comp claims. Medical costs are now approaching 60% of the total claim value in many states.

Vector Graphic Of Dollars Workers Comp Health Costs And Stethoscope

Many state governments have actually reduced Workers Comp medical costs by becoming more involved in the claim process. This is one instance of a program that is partially administered by state governments. I am referring to fee schedules.

Fee schedules are one of the most efficient and effective methods to reducing Workers Compensation costs. All states that have enacted fee schedules in the recent past have experienced a reduction in the medical costs per Workers Compensation claim.

I have yet to see any medical provider turn away patients as the result of a fee schedule being enacted.  Workers Compensation pays medical providers quite healthy fees for their services.

I had recently read an article in the National Underwriter that the state of Tennessee had lowered their Workers Comp medical costs significantly by $1,300 per claim. Stop and think for one moment. What individual medical charges would have been reduced the most by a Workers Comp fee schedule in Tennessee

The major fee reductions per types of services were as follows:


Minor radiology – 15%

Physical medicine – 12%


Minor radiology – 43%

Major radiology – 34%

Physical Medicine – 23%

These are very stark numbers. The state of Tennessee is to be congratulated on their efforts to help cut workers comp costs. Their medical costs are now more in line with the rest of the states with fee schedules.

There are definitely ways that a state government can aid employers in reducing Workers Comp costs. This is a prime example.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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