How is Workers' Comp Different?

Workers' comp	Group health
Employees automatically covered under the policy	Employees individually enrolled
Insurance carrier maintains a list of job types and payroll dollars	Insurance carrier maintains a list of covered employees
Reimbursement for treatment based on reasonable and necessary care directly related to the injury	Reimbursement for treatment typically based on inclusions or exclusions
No co-pay or deductible	Typically includes a co-pay and/or deductible