Risk Management

Workers' Compensation (CARO)

Benefit Information: Medical Treatment

What are the medical benefits?
Medical benefits for an employee who suffers a work related injury include medical treatment to cure the injury. This includes doctor's fees, hospital costs, lab tests, X-rays, pharmacy charges, prosthetic devices, etc., CARO will select the health care provider, such as the doctor, hospital and clinic.

What is the procedure for accessing authorized medical care?
In the event of an emergency, the employee should proceed to the nearest emergency room. Non-emergency treatment is directed through the CARO toll-free referral service. The employee or their supervisor may contact 1-800-624-2354 for the authorized medical care provider.

How are workers' compensation physicians selected?
CARO continuously evaluates the quality of services provided by physicians. CARO utilizes a Preferred Provider Organization (PPO) to provide quality, cost-effective medical care. Injured employees will be directed to a PPO provider if one is available in their area.

What if the employee wants to select his/her own medical provider?
Employees may select their own medical provider at their own expense.

How are medical providers paid?
Invoices should be sent to CARO for consideration. Injured employees should not be billed for medical treatment. If the employee is billed, they must notify the health care provider that this is a workers’ compensation injury and that the invoice should be sent to CARO.