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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.