Is medical care covered even if there is no lost time?

Yes, medical care is always covered under workers’ comp even when there is no lost time.

The good news for your clients? Due to fee schedules that states set for workers’ comp provider payments, a $1,000 retail medical bill may end up costing only $500 due to pre-arranged prices negotiated by states for workers’ comp fees.

The down side is that some doctors opt out of the workers’ comp system because of lower reimbursement, then states have problems finding doctors to participate in their programs.