Health care coverage for work related injuries? -

You own a company in a state where state funds aren't mandated for employee health insurance. Which one option for providing your employees with health care coverage for work related injuries? A. medicaid plans B. referrals to other network groups C. medical savings plans D. self-insurance coverage You are asking two different questions. Work related injuries are not the same as providing health care coverage. So, injuries on the job are covered by private or government sponsored workers compensation insurance. I think you are not asking about work comp. Alternates to state funds for employee health care coverage are: b,c,d. Hope this helps. Workman's compensation. well..... State funds do NOT provide health coverage for employees (unless you're talking about workers compensation in a monopolistic state where the employer is not self-insured) And.... Any mandates that are out there depend on the state.....and usually...are only specific to companies of a certain size. (that is....if you are a company of less than 10 people - you don't have to comply with any state mandates) Health coverage offered by an employer is typically considered a benefit....a benefit provided in order to remain competitive in the market place. So many people are NOT insured because they work for companies that don't provide coverage (or the employee elects not to select coverage) "Self-insurance" is kinda an oxymoron. You can buy insurance out of pocket to cover yourself individually and large companies can afford to fund accounts to call themselves "self insured" (they usually have to provide proof to the state of sufficient funds) but....if you go into an ER and say you're self insured? That's just about the same as 'un-insured' - unless of course you purchased a plan to cover yourself individually. A small employer might be able to get a group discount (which is really all health coverage through your employer is) and the employees purchase the insurance for themselves directly. MSA? Usually offered on a health care plan...to offset costs incurred. Referrals to other networks? That is something typically directed by the insurance company and - you DID say "work related" injuries...which takes you back to workers comp. so...what is it you wanted to know? None of the above. NONE of these will cover work related injuries - except the self insured coverage, and it's REALLY only self insured workers comp. So, Medicaid, other network groups, and medical savings plans by employers all exclude work related injuries. Sorry, your question is faulty.