Option programs, utilizing elements of Group Health/ERISA programs, can provide better medical outcomes for injured workers. Medical literature supports the concept that quicker care leads to better medical outcomes, lower costs and faster return to work.
Texas Nonsubscriber Option provides better medical outcomes as confirmed by a former NCCI actuary:
Shorter Duration of Disability
For additional details, see Texas Nonsubscriber Option Actuarial Data Analysis - Fact Sheet
Improved Return to Work
Access to More Medical Providers
Source: Texas Department of Insurance, Workers’ Compensation Research and Evaluation Group, 2016