SELF-INSURED - PROGRAMS
Self-Insured Programs in Ohio
Benefit Management Services of Ohio, Inc. has more than 34 years of experience administering workers’ compensation programs, and provides Ohio self-insured employers with comprehensive, results-oriented management of self-insured claims tailored to their specific needs. Our primary goal is to limit the client’s exposure to workers’ compensation claims.
“Benefit Management Services of Ohio, Inc. provides the highest quality service in the industry and their experienced friendly staff are great to work with.”
–Diane Brookover, Secretary/Treasurer
Cardinal Rubber Company
Benefit Management Services of Ohio, Inc. services for self-insured employers feature flexible programs designed for each employer’s unique requirements and desired outcomes. Our experienced professionals manage all aspects of your program, allowing you to focus on your business.
Our services include quality control measures designed to ensure quick, accurate resolution of claims.
Medical Cost Control
Benefit Management Services of Ohio, Inc.’s medical management program provides a structured framework for control of medical expenses while providing access to quality care. Services include:
An employer who meets required administrative and financial stability may be eligible to administer their workers’ compensation program as a self-insured employer. This option can result in substantial savings and greatly improved claim management. We can provide a financial analysis to determine if this option makes sense for your company.
Benefit Management Services of Ohio, Inc. offers self-insurance program administration services to Ohio employers. We provide state of the art technology, complete with aggressive claims management, to ensure our clients experience the highest quality, cost effective workers’ compensation program possible.
Our services include:
Client Education Services
Loss Control and Safety Services
Applying Proven Strengths
Benefit Management Services of Ohio, Inc. claims management offers an extensive and diverse range of core services to meet the essence of measurable value results.
With the strength of thirty-four years of claims management experience, we offer centralized administration, heightened claims responsiveness, quality control programs, and consistent nationwide performance standards to ensure that your money, energy, and resources are spent wisely – no expended wastefully. We also do all that we can to make sure that every claim is settled fairly and quickly.
With our range of unbundled services, we will design for you a unique program honed precisely to your company’s needs and objectives. Each unique program we develop follows the same guidelines…. making sure we partner with you from start to finish to determine the most cost-effective plan for reducing your exposure and controlling potential losses.
Benefit Management Services of Ohio, Inc.’s strategic solution is to offer our clients the greatest degree of flexibility and choice in the self-insured programs and services we offer. We achieve this through a national network of exceptionally qualified managed care service providers, who work hand-in-hand and system-to-system with us to meet the following goal:
“Maximize both the quality of care provided and the effective use of workers compensation dollars to help employees and employers reduce the impact of injuries and illnesses by returning employees to productive work as quickly as possible”
No matter which options are selected, the following objectives always remain our priority:
Containing Workers’ Compensation Costs
At Benefit Management Services of Ohio, Inc. we know that a strong claims management program demands strong management of medical treatment and healthcare resources in order to ensure high quality care for injured employees and to contain costs. To effectively maximize cost containment efforts, we design programs that enable you to exercise control over your workers’ compensation medical costs. We do this by providing you with the ability to handpick your individual services – making it easier for you to select, implement, and maintain the programs that work best for your overall risk management program.
Our service offerings include:
Benefit Management Services of Ohio, Inc.
The payment of Workers’ Compensation premiums threatens the livelihood of many businesses throughout the nation. State fund deficits and legal changes have escalated these premiums from $23 billion in 1982 to more than $60 billion in 1990. Unlike regular health-care costs, every employer is required to pick up the tab.
Changes That Have Impacted Workers’ Compensation
First, programs to control healthcare costs for injuries and illnesses outside the workplace – e.g., deductible, co-payments, HMO utilization review – had the effect of “cost shifting” these medical costs into the Workers’ Compensation arena, where the employer is responsible for every dollar paid.
Second, the original no-fault intent of Workers’ Compensation laws has given way to judicial interpretations that have produced a system strangled by litigation. In California, 44% of all Workers’ Compensation cases involving lost time end up in a lawsuit.
Third, the nature of workplace injuries and illnesses is shifting dramatically, with an increasing incidence of so-called cumulative trauma injuries and those associated with repetitive motion. The latest is the development of psychological and mental stress claims.
Most companies are not set up to react to, let alone manage, the problem. Benefit Management Services of Ohio, Inc. provides comprehensive and professional management of your Workers’ Compensation program across the entire spectrum of Workers’ Compensation services from state-funded accounts to group rated programs to self-insured companies. Through a refined and rigorous process for claims administration, we are able to assist our clients seeking admission to a group rated program or those working to remain enrolled.
From loss and claims prevention, to litigation of the claim, Benefit Management Services of Ohio, Inc. becomes an integral part of your senior management team, helping you to:
This comprehensive program of Workers’ Compensation management will ultimately result in a reduction of premium rates.