Do zero-cost workers' compensation medical claims really have zero costs? The impact of workplace injury on group health insurance utilization and costs.
Asfaw-A; Rosa-R; Mao-R
J Occup Environ Med 2013 Dec; 55(12):1394-1400
Objective: Previous research suggests that non-workers' compensation (WC) insurance systems, such as group health insurance (GHI), Medicare, or Medicaid, at least partially cover work-related injury and illness costs. This study further examined GHI utilization and costs. Methods: Using two-part model, we compared those outcomes immediately after injuries for which accepted WC medical claims made zero or positive medical payments. Results: Controlling for pre-injury GHI utilization and costs and other covariates, our results indicated that post-injury GHI utilization and costs increased regardless of whether a WC medical claim was zero or positive. The increases were highest for zero-cost WC medical claims. Conclusion: Our national estimates showed that zero-cost WC medical claims alone could cost the GHI $212 million per year.
Health-care; Medical-care; Worker-health; Work-environment; Surveillance-programs; Disabled-workers; Injuries; Sociological-factors; Health-programs; Health-protection; Health-services; Medical-services; Medical-treatment
Abay Asfaw, PhD, Office of the Director, Centers for Disease Control and Prevention, National Institute for Occupational Safety and Health, 395 E St, SW, Washington, DC 20201
Journal of Occupational and Environmental Medicine