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Understanding an MCO
MCOs are companies that specialize in managing health care

Managed Care Organizations (MCOs) are companies that specialize in managing health care. 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.