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24-hour coverage Assigned risk pools captive insurer Chula Vista Claim administration audits Communication of workers Company Inc Coordination with group cost-containment County Government Drug/substance abuse testing effectiveness ratings Electric employee contribution levels ers compensation exempt employees Fee schedule compliance group or association health care reform HMOs Hospital increased Industries Inc injured employee injured workers injury occurs Insurance Company International Inc managed care networks medical and disability Medical bill audits Medical Center medical component medical treatment ment Negotiated provider discounts nonexempt nonoccupational Orange City pensation costs percentage of respondents ployers Post-employment-offer screening pre-injury wage Precertification of medical preferred provider preferred provider organizations provider profiling retrospectively rated insurance Return-to-work program Salary continuance sation School District self-insurance shown in Exhibit soon as appropriate Systems Inc Towers Perrin union employees University utilization review Ventura County Vocational rehabilitation wage replacement waiting period workers comp costs workers compensation benefits workers compensation costs workers compensation system