Actual Bill Reduction

Provider Billed Charges: $300,584.83
WorkCompMC Savings: $160,920.96
Total Amount Now Due:  $139,663.87
47% Savings 

 

Becoming a Client is Easy and Risk Free

Send us your medical bills.

We'll reduce them by 40%.

We Guarantee Our Results!

The proof comes every month, when you receive a detailed savings report.

You should become our client.

Experience Modification Factor/Rating (EMR)

(Also known as an Experience Modification Rating, EMR, X-Mod, Experience Modifier, or just the Mod.)

In the process of determining applicable premiums for a workers compensation policy, a multiplier is used against the final premium. This multiplier is known as an "Experience Modification Rating" (EMR).  It is based on the size and frequency of the employer’s previous claims.

In other words your EMR is the rating score that insurance companies use to evaluate your company's work comp risk factor. Think of it like your credit score.

Do you know what your company's EMR is?

 A score of 1.00 is average, like a "C" grade in school. Higher than average means higher premiums, lower than average means lower premiums.

Keeping down your EMR is a vital concern beyond merely the cost of workers compensation insurance. The EMR is also being used as a rough benchmark of safety by potential clients.  Having a modifier above 1.00 can shut-out many kinds of businesses from bidding on important projects.

This is a very important point: 90% of all EMRs are mismanaged or higher than the legal minimum. Your company needs to monitor its EMR every year. Errors must be found quickly or they will just float off into the past. 

>I need to have my EMR reviewed for errors as soon as possible.

WorkCompMC can help lower your EMR

Missouri law allows employers the right to direct the medical care for their injured workers and *to pay first aid type claims that are one thousand dollars ($1,000) or less out-of-pocket. By paying claims out-of-pocket that do not exceed ($1,000), the frequency and cost of these claims cannot be applied to raise your EMR. 

Don't make the same mistakes other companies are making, by not directing care and not paying claims that are $1,000 and less out-of-pocket.

WorkCompMC's Direct Care Program allows employers to take advantage of their right to control cost.

Perfect example:

  1. A first aid type work related injury occurs.
  2. You will direct the injured employee to a certified WorkCompMC provider.
  3. Let's say the medical bills totaled $1,485 (**state average).
  4. Our average bill reduction is 40%, so on average we would be able to lower this bill to $891.
  5. Saving your company $594.
  6. This would allow you to pay the claim out-of-pocket and keep it from raising your company's EMR.

>You should take control of your EMR and become our client now.

  • *To be clear, this law (287.957, RSMo) allows an employer to pay up to one thousand dollars ($1,000.00) out-of-pocket for injury related medical costs only, if there is no lost time greater than three days and no claim for compensation is filed by the employee
  • **As of 2009, the average Missouri work comp provider bill was $1,285.