We hope that no one is ever injured on the job. But in spite of the best safety efforts, accidents happen. So we offer an innovative managed care program that provides quality medical care and attention to injured workers.

All you have to do is call 800.374.4990 to report an injury.

We’ll do the rest.

Trained medical staff help you and your injured employee understand what’s happening.
Whenever the injury is severe, we’ll have a registered nurse talk with you and your injured worker on the day the injury is reported to us. The registered nurse will assess the medical situation and work with the treating medical provider on a treatment plan.

How we’ll manage the care of your injured worker

• Toll-free 24-hour reporting of injuries at 800.374.4990 ensures timely and appropriate medical treatment for all work-related injuries.
• We take care of the paperwork for you by completing the necessary forms.
• Serious injuries will be promptly referred to medical specialists.
• We resolve workers’ injuries quickly with less red tape and help them return to the job faster to minimize lost productivity.
• Experienced registered nurses help coordinate and oversee the medical care for severe injuries.
• We control fraud through careful claims management right from the very beginning.
• And we simplify medical bill processing and payment.

Call us immediately at 800.374.4990 so we can help. Here’s what we’ll do:

• We will complete the appropriate first report of injury form and file it with the appropriate state workers’ compensation commission.
• We will fax a copy of the first report of injury to you and your agent.
• If the claim involves lost work time, the claims adjuster will interview you, the doctor assigned to the case, and the injured worker.
• If the case involves a significant injury, we will assign a registered nurse to work with you, your employee, the treating physician and the claims adjuster within the first 24 hours of the first report of injury.

Top-quality provider network and medical case management
Once you call us at 800.374.4990, we can immediately review the injury. Together with you and the injured worker, we will coordinate treatment with our medical providers, which include the treating physician and a registered nurse, to create a return-to-work treatment plan that suits everybody’s needs.

• Our provider network offers top-quality, pre-screened health care providers and case managers, offering every type of service an injured worker might need.
• Our provider network offers cost-effective pricing through a comprehensive selection of physicians, ancillary providers and hospitals. Our network pharmacy program also can help control costs. Ask our intake nurse for details.
• Even if the injured worker has received treatment outside of our provider network, we will encourage the injured worker to use a physician in our network. If your state isn’t a managed-care state, we will work directly with the physician that the worker has chosen.
• We work closely with our provider network and offer you regular status reports on the injured worker’s condition.

Reviewing medical bills helps control costs
To help contain workers’ compensation costs, we’ll review medical bills to make sure that we’re charged a fair price for medical services. Our goal is to ensure that:

• Charges are billed accurately
• Charges fit the usual and customary charges for the geographic area where the services are provided
• The treatment type and duration are appropriate

Saving money through utilization review
To keep a closer eye on health care costs, we’ll also review how medical services are being used:

• Pre-admission certification for inpatient hospital admissions and outpatient services, where required or permitted by law
• Review of hospital stays
• Review of hospital discharge plans
• Review of medical utilization disputes

What to do when an injury occurs

1. Determine if medical assistance is needed. For serious injuries, call 911. For less serious injuries, call ahead to a network medical provider.
2. Report the injury immediately to Penn National Insurance at 800.374.4990. Please call us even if you don’t have all of the claim information.
3. The supervisor should accompany the injured employee to the doctor or medical facility and then accompany the employee back to work or home.
4. If the employee is unable to work, you should call them to ask how they feel and when they will see the doctor again. Remind them that many people care about their recovery and want to see them return to their job as soon as possible.
5. Keep in contact with the doctor’s office to find out when your employee will be able to return to work — at a time and work level that’s appropriate.
6. Returning your employee to work is a team effort. Please keep our adjuster informed of any changes or developments.

Using the proper network medical facilities

1. Getting your injured employee to a doctor or medical facility that provides the best care is extremely important. Doctors in our network work with us to treat the injury and get your employee back to work. We also control the medical costs with preapproved discount pricing for services.
2. Call 800.374.4990 for a list of your local network doctors and facilities.

Some of the questions we’ll ask when you call

• Policy number
• Employer’s name and address
• Employee’s name, address, phone number and job description
• Employee’s Social Security number
• Employee’s date of birth, marital status and number of dependents
• Employee’s weekly salary (gross) and work hours per week
• Employee’s length of employment
• Wage information
• Has the employee returned to work
• Place of accident
• Date and time of accident
• Complete description of the injury
• Complete description of the accident
• Names of witnesses or first person to arrive at the scene
• Medical status and physician/hospital name
• Name of person calling in the report

Want to learn more?
For more information, please contact your independent insurance agent.