SmartCARE has a variety of components, including traditional managed care techniques, as well as other cost containment measures. Through managed care injured workers can obtain timely, high-quality healthcare from the most appropriate provider at the least cost. By eliminating unnecessary or inappropriate care, managed care plans can provide more appropriate medical care with fewer resources. SmartCARE is designed to use quality to cut losses, translating into lower prices for products from Fireman's Fund. Our very best prices are for those accounts in our chosen markets that are active, managed care partners.
All pricing begins and ends with proper classification of employees.
Online are classification guidelines and tips. Also online are our small account ABC classifications and our Tarket Markets, both national and regional, including the middle-market area. The result is a coordinated approach to the design, financing and delivery of healthcare, which balances price and utilization controls with access to high-quality care. It can include techniques that are typically handled by Loss Control and Client Services as well. Not all states permit these different components.