Services > Medical-Only Program

The BWC’s $15,000 Medical-Only Program offers employers the opportunity to pay the first $15,000 of medical bills in the claims with seven or fewer lost days from work.

How it Works

• The program automatically covers all medical only claims.
• The employer can decide to have a specific qualifying claims excluded from the program.
• While the program covers the claim the Managed Care Organization (MCO) will not manage the claim.
• If a claim changes to lost time, indicating eight or more days lost from work, the BWC will remove the claim from the program.
• Once the medical bills reach the $15,000 limit, the employer must notify the BWC to have the claim removed from the program.
• Employers should remember some injuries will logically cost more than the limit, therefore, the claim should be removed from the program before reaching $15,000.

Requirements

• Must be an active state fund employer
• Inform all employees and medical providers of the employer’s participation in the program so the provider sends the bills to the employer.
• Pay bills to the provider within 30 days.
• Pay the amount billed or the amount agreed upon by the provider.
• Remain current on any BWC premiums, assessments or other monies due.

Contact us for more information.