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Is Virginia Most Expensive State For WC Medical Costs?


Virginia The Most Expensive State

The most expensive state for WC medical costs is Virginia. This article is a follow-up from this post on medical costs. The previous article examined Workers Comp medical costs in Virginia as being the highest in the nation. I decided to see if NCCI agreed with the Workers Comp Research Institute (WCRI). The NCCI and WCRI are both great data sources for Workers Compensation.

Map of Virginia Most Expensive State for WC Medical Cost
(c) 123rf.com

I compared each of the states in Virginia’s general area to see if the medical costs were actually that high. I was shocked to find that Virginia had such high medical cost severity.

  • VA – $44,000
  • DC – $18,000
  • KY – $34,000
  • MD – $28,000
  • NC – $32,000

Operating without a fee schedule usually means the employers for that state will pay more in medical costs – plain and simple. It would be very wise for Virginia to enact some type of Workers Comp fee schedule. There are neighboring states with great fee schedules they could adopt very quickly.

Will this situation improve in the future? I actually doubt it. As long as medical fees are allowed to be charged with no checks and balances in place, employers in states such as VA will be near the top in Workers Comp medical costs.

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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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