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