Understanding a Managed Care Organization
However, an MCO is not the same as the employer's health-insurance provider.
When employers apply for a workers' compensation policy, they must select a MCO to manage the medical portion of a workers' compensation claim. The MCO ensures that injured workers receive quality medical care. This includes:
- Evaluating the injured worker's current and future medical needs.
- Approving the injured worker's treatment.
- Paying the worker's medical bills.
- Providing rehabilitation referrals.
An injured worker will need to know the name of the MCO at each doctor visit. Use the Employer/MCO look-up to find the assigned MCO.
If you still have questions about the assigned MCO, ask the employer or call BWC at 1-800-644-6292.