24 HOUR COVERAGE PROGRAM The combination of Group Health and Workers' Compensation Insurance is the newest concept of 24 hour coverage. There are now several companies that are offering this combination of coverage in an effort to reduce your Group Health and Workers' Compensation insurance costs. The time is now for 24 Hour Care.

Did you know that approximately 50% of all workers' compensation claims are medical in nature? Experts have predicted that by introducing 24 hour coverage plans , it could reduce your medical costs substantially.

Why should you choose the 24 Hour Coverage Programs?

• Solid Credentials: The successful experience Insurance Carriers have had with health care networks equips them to develop and manage a successful health care delivery system for Worker's Compensation.
• Administrative Policy:   One consolidated monthly bill, so you write only one check each month to pay for both the Medical and Workers Compensation Insurance. One toll free telephone number to call with questions or problems.
• Network of Health Providers:  The same networks of providers are available to your employees for both Health Care and Worker's Compensation. In addition, the Health Care Providers have identified specialists in occupational medicine within the PPO and HMO networks. So your employees can go to their own primary care physicians or, if necessary, a specialist in occupational medicine within the managed care network.
• Integrated Care Management: A managed medical system that is part of both networks, reduces the need for watchdog activities and provides integrated claims case management, as well as patient management. This results in improved consistency of care, and better coordination of medical claims involving medical and Worker's Compensation.
• Coordination of Workers' Compensation and Medical Benefits: When you have Health Care coverage along with Worker's Compensation Insurance:

- Your employees will have more consistent procedures to access health care, regardless of the cause of the injury or illness.

- Your employees will be more likely to utilize network providers, minimizing costs and lost work hours.

- When all medical care is provided through this system, access to patient's overall medical records within confidentiality limits equip the case manager and medical practitioner with more complete information to best serve the worker.

• Early Recovery and Sustained Return to Work: This Workers Compensation plan is designed to encourage cost effective care, and appropriate outcomes through case management and quality care.
• Employer Involvement: The successful operation of the program requires education, support and active participation of the work site supervisors. Health and Workers' Compensation Insurance Companies will assist you by providing information on such topics as encouraging network usage, reporting, and return to work planning.