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Medical Treatment Network Savings – Drive By Only?


Medical Treatment Network Savings – Random Chance or Established?

Medical treatment network savings can be elusive at best if not set up properly.  This is one of the easiest ways to provide proper and timely medical care along with a gainful return to work.

pic of workers medical treatment network savings roulette wheel
(c) Public Use License – Ralf Roletschek

Earlier this week, I received a text from our corporate credit card company, I thought that something negative occurred such as a fraud notice or something along those lines.  Luckily, it was that I had used the card at a store that was in-network for some type of savings or discount.

That unfortunate situation reminded me to write an article on what can be a missed opportunity for employers to cut some of their worker’s comp costs by more closely looking at their medical treatment network savings and not just using them on a drive-by-only basis.

Long ago, one of my first articles for this website was on the Four (Now Six Keys) to cutting workers comp costs.  Having a medical treatment network avoids losing medical control of a claim. Almost every worker’s comp carrier and TPA has a medical network that provides a 10% to 20% medical treatment network savings if an injured worker sees one of the listed medical providers.

Drive-By Only

When I refer to drive-by only, that is when you receive a discount like I did with our credit card company.  If a medical treatment network is properly structured – four things occur:

  1. The injured employee receives the best medical care possible (most important)
  2. The injured employee returns to gainful employment
  3. The treating physician is industrial-based/minded and familiar to the claims staff
  4. The physician is in-network so the employer can receive various discounts

If it is emergency treatment, then getting the injured employee to the fastest medical care takes precedence over the above four.

Talk To This Person For  Medical Treatment Network Savings

Who can better discuss the above four with you than your worker’s compensation claims staff or supervisor? To cut your company’s workers comp reserves (Total Incurred), use a treating physician that will work well with your claims-adjusting staff and injured employees in your carrier’s medical network.  This situation is a win-win-win for all parties involved in a claim.

It is not recommended that you call your claims staff on every injury to see where to send the injured employee.  This should be set up long before an injury.   Medical treatment network savings comes about with a little planning.



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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