How Does Integrated
www.lynncompany.comMediComp Work? |
Integrated MediComp allows employers with 2 to 50 employees to combine their medical coverage and workers' compensation insurance into a comprehensive "on-the-job" and "at-home" package. Since nearly fifty-percent of all workers' compensation claim dollars go to medical costs, Integrated MediComp can provide employees seamless coverage by allowing them to see their own physicians if ill or injured on the job. This process returns the employee to work rapidly and reduces fraudulent claims that cost you, the employer, money.
If an employee becomes ill or injured on-the-job, the employer should send them to a network occupational clinic or provider. However, with Integrated MediComp, the employee can receive initial treatment for an on-the-job injury if they go to their regular doctor. If the employee needs ongoing treatment for the on-the-job injury, the employee's regular doctor will refer the employee to a network occupational doctor.
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Who Can Participate in Integrated MediComp?
Most industries can take advantage of integrated MediComp, including many types of new businesses. Those engaged in out-0f-state operations, employee leasing, agriculture, gas and oil may not be considered for coverage.
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What Does Integrated MediComp Include?
Blue Cross of California covers:
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Group health coverage:
A contract issued to an employer under which employees and their eligible family members may obtain health coverage.
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Non-occupational illness or injury coverage:
Health coverage for the treatment of non-work injuries or illnesses, plus treatment of an individual who is injured or ill as a result of work and is not covered under workers' compensation, such as an owner of a business. |
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An extensive network of providers: The use of any of over 40,000 providers or 400 hospitals OR use of specific providers or facilities in a managed care framework (PPO or HMO) to save money. |
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Medical:
These benefits include medical treatment to cure and relieve the employee from the industrial injury. Medical treatment covered under workers' compensation is not subject to an employer deductible, co-pay or coinsurance percentage. |
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Temporary Disability:
The benefits are paid when an employee is medically unable to work as a result of industrial injury. The benefit amounts to two-thirds of an employee's weekly salary, subject to a minimum and maximum. |
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Permanent Disability:
These benefits are paid when an employee suffers permanent impairment from industrial injury, which can preclude full competition in the open labor market. |
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Vocational Rehabilitation:
Employees who are medically precluded from returning to their regular jobs as a result of industrial injuries are entitled to job counseling and retraining (if necessary) to return them to gainful employment. |
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Death:
These benefits are paid to dependents when an employee dies as a result of an industrial injury. Funeral expenses (up to $5,000 maximum) are also part of the benefits. |
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Offering both workers' compensation and health coverage helps employees stay healthy and on the job or return to work in the least amount of time possible.
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Click here to apply for
Integrated Medicomp |
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