In the event that a worker is injured on the job, the first step it to evaluate whether it is an injury serious enough to warrant a trip to the emergency room. If not, employees must go to an authorized medical provider that is a part of the Panel of Treating Physicians and Chiropractors. Alternatively, insurers have the option to use a managed care organization (MCO), preferred provider organization (PPO), health maintenance organization (HMO), or the internal managed care unit through the insurance company. The choice is dependent on the coverage provided to the worker and should be evaluated ahead of time.