How States Build Workers Comp Medical Fee Schedules – WCRI

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WCRI Study Shows How States Build Workers Comp Medical Fee Schedules

CutCompCosts.com has always loved workers comp medical fee schedules.  Try this search to see how many articles appeared on this website for many years in the past.  Medical fee schedules control workers comp costs in many states.

States without medical fee schedules tend to pay more for treatment.

One hidden benefit of workers comp medical fee schedules enables claims adjusters to more accurately assess workers comp medical expenses.  Accurate assessments mean better reserving in files.

With the advent of AI in Workers Comp claims, suggested medical reserves using claim characteristics can be a timesaver for adjusters.  AI in reserving has been in place since 2004 in Ohio.

How States Build Workers Comp Medical Fee Schedules

An example chart from the 112-page study report is shown below.  A comparison of major radiology technical components in each state. Most are based on Medicare fee schedules for each state using relative values.   The chart does not mean that Nevada tallies as the most expensive state for Workers Comp medical benefits.

Each chart has an explanation for any deviations from the normal way states build workers comp fee schedules.  Some states have multiple fee schedule regions and other factor affect the fee schedules.

Example chart of how states Build Workers Comp Medical Fee schedules
(c) WCRI – Cambridge MA – used with permission

From WCRI

This study outlines the key decisions public officials face when establishing or revising physician fee schedules. It examines how 44 states with fee schedules and the District of Columbia have addressed these challenges as of March 31, 2025, and analyzes major changes to professional medical service fee schedules since March 2022—particularly in light of elevated inflation in the broader economy.

It also compares fee schedule levels across states for professional services, which account for about 41 percent of workers’ compensation medical costs.

You can find out more and purchase the study here. for a nominal fee.  If you are a WCRI member, the study is free.

 

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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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