TITLE 28.INSURANCE

Part 2. TEXAS WORKERS' COMPENSATION COMMISSION

Chapter 120. COMPENSATION PROCEDURE-EMPLOYERS

28 TAC §120.4

The Texas Workers' Compensation Commission (commission) adopts new §120.4 with changes to the proposed text published in the November 30, 2001, issue of the Texas Register (26 TexReg 9736). This new rule is adopted concurrently with amendments to §128.2 concerning Carrier Presumption of Employee's Average Weekly Wage.

As required by the Government Code §2001.033(1), the commission's reasoned justification for this rule is set out in this order which includes the preamble, which in turn includes the rule. This preamble contains a summary of the factual basis of the rule, a summary of comments received from interested parties, names of those groups and associations who commented and whether they were for or against adoption of the rule, and the reasons why the commission disagrees with some of the comments and proposals.

Changes made to the proposed rule are in response to public comment received in writing and at a public hearing held on January 16, 2002, and are described in the summary of comments and responses section of this preamble. Other changes were made based on further review by staff to clarify the rule, ensure consistency, or to correct typographical or grammatical errors.

Changes from the rules as proposed are found in subsections (a), (b), (c), and (d).

House Bill 2600 (HB-2600) passed by the 77th Texas Legislature amended Texas Labor Code Chapter 408 by adding §408.0446 which establishes special criteria for determining the amount of income benefits due a school district employee injured on the job and amended §408.042 to address employees with multiple employment. Employees can now report wages from other jobs they held at the time of injury to influence the average weekly wage (AWW). Adoption of rules related to these amendments resulted in an opportunity to simplify rule construction and structure new rules in a more prescriptive and clear manner compared to the old rules they replaced. The new rules clearly lay out expectations so that all system participants understand the requirements that the Act and rules place on them. These changes are designed to improve benefits, reduce disputes and violations, and make it easier to hold system participants accountable for their actions and inactions.

Previous §128.2 included the requirements for an employer's reporting of wage information. However, these requirements are included with carrier responsibilities for determining the AWW in the absence of a properly completed wage statement. To improve the clarity of the rules, the Commission removed language in existing §128.2 (relating to the employer's duty to file the wage statement) and placed those duties in new §120.4 to assist employers in easily locating the information regarding their responsibilities as established by the workers' compensation rules. There is a reference in §128.2(a) to new §120.4.

Additionally, §120.4 incorporates into rule, long-standing commission policies regarding the wage statement.

Subsection (a) specifies that an employer is required to timely file a complete wage statement rather than just a signed wage statement. This amendment clarifies a long-standing policy of the commission that filing an incomplete or incorrect wage statement does not constitute timely filing. Subsection (a) also specifies that "filed" means "received." The employer may determine the most appropriate means of delivering the wage statement to the employee and the insurance carrier and is responsible for ensuring and documenting timely delivery.

Subsection (a) also specifies the circumstances that require the filing of a Wage Statement, the time to file, and the parties to receive it. The circumstances, time frames, and parties are identical to those in the previous rule with one exception. The previous rule provided that employers are to file a wage statement within 30 days of the employee accruing benefits. This caused problems on claims with little or no disability but where there was impairment because employers were often unaware that benefits had accrued and they were required to file the report.

Following review after the proposed version, however, the commission realized a slight modification was necessary. The purpose of the wage statement is to provide the carrier with the information necessary to pay the correct amount of income or death benefits. There are two situations when it is reasonable to assume that the employer should automatically know that a wage statement is required: when the employee has eight days of disability due to the compensable injury; or the employee's compensable injury results in their death. If the employee separates their employment with the claim employer by the time indemnity benefits accrue (whether IIBs or another type of benefit), the employer may be unaware of their need to file the wage statement with the carrier. Therefore, this subsection has been changed to reference the employer's notification of the accrual of any income or death benefits rather than simply IIBs as originally proposed.

Subsection (b) addresses issues associated with filing the report. The subsection provides carriers and employers the option of agreeing to allow the employer to orally file the Wage Statement with the carrier. The carrier can also agree to send the written copy of the required report to other parties for the employer (as they often do now). However, the employer remains responsible for ensuring timely delivery of the report and has the burden of proof in establishing that the report was timely filed. Therefore, the rule suggests (but does not require) that employers file their reports by a verifiable means of delivery and that they maintain documentation relating to the filing.

Subsection (c) is a listing of the general information required on the Wage Statement. The list is largely the same as under the previous rule with a minor change. Because under the new rule the wage statement can be filed verbally, the requirement that the statement be signed has been removed. The new rule requires certification that the information is accurate and complete as well as the name of the person submitting the information.

Based on public comment, the commission has rewritten subsection (d) from the proposed rule to include reporting guidance, similar to that provided in §128.2, to employers who pay their employees on a monthly, semimonthly, or biweekly basis to prevent inaccurate reporting as a result of the employer converting to the format of the wage statement. Included in subsection (d) are lists of the wage-information required on a wage statement. Wage information needed is different dependent on the type of employer reporting the information (i.e. if the employer is a school district).

Comments regarding the rules as proposed were received from the following groups: Texas Mutual Insurance; Insurance Council of Texas; Flagive, Ogden, and Latson; Texas Association of School Boards; and the Research and Oversight Counsel on Workers' Compensation.

All of the groups that provided comments generally supported the rules as proposed. Suggestions for additional clarification, alternate language, and ideas to improve the rules were also received through comments. The Insurance Council of Texas supported the adoption of the rules as proposed.

GENERAL COMMENTS:

Introductory Comment: Although all claims involve the employee's AWW, benefits based upon the employee's AWW are sometimes not paid to the employee (such as in a death benefits case). Therefore, the commission has made modifications to the rule as proposed such that references to action by or toward an employee are now references to the claimant (which includes legal beneficiaries). However, references to the AWW are still the "employee's AWW" because even in the case of death benefits, it is the employee's AWW that benefits are based upon. In addition, the commission has changed the word "verbally" to "orally" as "verbally" means "through words" while the commission intended that the term be understood to mean "spoken."

Comment: Commenters generally supported proposed new §120.4 which removes existing language in §128.2 regarding the employer's duty to file the wage statement and relocates the employer requirements in Chapter 120 regarding the employer's reporting requirements. One commenter stated that the rule tracks with the language of HB 2600 and the intent of the Texas Legislature.

Response: The commission agrees that the rule should be adopted but also agrees with several suggestions for changes as discussed in other comments.

Comment: Commenter supported the addition of the employer requirement to file a wage statement when the employee is entitled to impairment income benefits.

Response: The commission agrees however, in response to comments on §128.2 (relating to Carrier's Presumption of Employee's Average Weekly Wage) and a review of this rule, the commission has modified §120.4 slightly to match changes in §128.2. The purpose of the wage statement is to provide the carrier with the information necessary to pay the correct amount of income or death benefits. There are two situations in which it is reasonable to assume that the employer should automatically know that a wage statement is required: when the employee has eight days of disability due to the compensable injury or the employee dies as a result of the compensable injury. However, it may be that an employee has already separated employment by the time the indemnity benefits accrue (whether IIBs or another type of benefits). Therefore, this subsection has been changed to reference the employer's notification of the accrual of any income or death benefits rather than simply IIBs. The change mirrors the requirement in §128.2 for the carrier to notify the employer that a wage statement is due if one has not been received by the carrier by the date indemnity benefits accrue.

Comment: Commenter supported §120.4(b) that allows the employer, if agreed upon by the employer and carrier, to file the wage statement orally and support that the employer still has the burden to prove the wage statement was filed.

Response: The commission agrees.

Comment: Commenter supported the requirement in §120.4(c)(8) for the employer to "certify" that the information contained in the employer wage statement is accurate, especially if the information is received orally and the carrier completed the form on behalf of the employer. "This is extremely important because the carrier does not have access to wage information and cannot "guarantee" information received "orally" is accurate."

Response: The commission agrees. However, the commission has modified this subsection to reference sending a copy of the wage statement to the claimant's representative (if any) because §102.4 (relating to General Rules for Non-Commission Communications) requires copies of written communications related to the claim to be sent to the representative once the employer has been notified that the claimant has a representative. This change was also made in subsections (a) and (b).

Comment: Commenter noted that §120.4(c)(8) references subsection (e) of the rule and that the proposed rule did not include a subsection (e). The commenter suggested that it appeared that the subsection was intended to reference subsection (d) and that this should be corrected.

Response: The commission agrees and has modified the rule to reference subsection (d).

Comment: Commenter suggested that, because proposed amended §128.2(c) provides carriers with different methods to calculate AWW for the prompt initiation of benefits (when the employer has not filed a complete TWCC-3), that §120.4(d) be modified to allow employers to provide wage information in a manner that matches. For example, for employees who are paid monthly or semimonthly, employers could provide the wages from the three months prior to the date of injury and for employees who are paid every two weeks, the carrier could provide 14 weeks of wages.

The commenter felt that if the commission would not require employers to convert wage information for employees paid a monthly or semi-monthly salary to convert the payments to weekly it would "simplify employer reporting in these situations and result in earlier completion and submission of these forms to carriers. Carriers can use the methods described in section 128.2 to calculate AWW that is fair, just and reasonable." The commenter believed changing this process may, in turn, result in earlier completion and submission of these forms to the carriers.

Another commenter felt that §120.4(d)(1) needed to be modified to address the situation where the claimant has not been employed for 13 weeks prior to the injury and there is no similar employee. "Under the proposed rule, the employer would not be required to provide anything. Therefore, the employer should be required to provide the claimant's own wages during the week he actually worked to give a starting point to determine a fair and just calculation. It is also useful in those cases that the employer provide the claimant's application for employment which might demonstrate the claimant's historical wages. This will effectuate proposed §128.2(b)."

Still another commenter suggested that the subsection make distinction between employees with and without "written contracts" rather than just "contracts" as proposed because this would match the language proposed in §128.7.

Response: The commission agrees that subsection (d) should be modified and has completely rewritten it to address the comments and attempt to address an additional issue.

The commission agrees with the suggestion that subsection (d) should provide reporting guidance to employers who pay their employees on a monthly, semimonthly, or biweekly basis and has done so in the rule. While some employers are able to correctly convert these non-weekly wages to the correct "weekly amounts," many are not and it causes inaccuracies in reporting and/or difficulties in calculating the AWW. Since §128.2 basically provides "conversions" for such wages into the 13 weeks to be used to calculate the AWW, it is logical to provide guidance to employers. Otherwise, employers would be placed in a situation where the employer is providing information in a manner that the carrier can use under §128.2 but that is not in compliance with §120.4 and thus is a violation. When an employer reports the wages earned in the three months prior to the injury or in the 14 weeks prior to the injury, the employer is reporting the wages necessary for the carrier to calculate the AWW based upon the earnings in the 13 weeks prior to the date of injury.

The commission also agrees that if an employee has not been employed for 13 weeks prior to the date of injury and there is no similar employee, that the employer should provide the wages of the injured employee (even though they would not cover 13 weeks). Therefore the commission has modified the subsection to require this.

The commission agrees and has modified the rule to distinguish between employees employed via a written contract from those without a written contract (as §128.7 does).

However, in reviewing comments on §120.4(d) and through additional research the commission realized that the subsection needed clarification. First, the commission learned that while many contracts specify the number of work days, others do not. Many school districts are converting their written contracts to specify the number of months to be worked or to specify the dates the contract is effective. Therefore, the rule needed to address these types of contracts and was modified to do so.

Second, legislation that addressed school district employees largely focused on those employees who are employed via a written contract for a specific period of time (hence the references to a predictable "salary"). However, school districts employ numerous people on a non-written contract basis (especially hourly). Thus using the "deduction from salary" method does not work as easily. Because of the variability in salaries of school district employees who do not have written contracts, the commission chose to use a 13-week average to establish a proxy for "weekly salary" (though with the caveat that they only include pecuniary benefits to match the requirements of Texas Labor Code §408.0446). The rule did not address what to do if the employee was not employed for 13 weeks prior to the date of injury in the rule. To address this, the commission included such guidance in the revised subsection.

Comment: Commenter noted that proposed §120.4(d)(2)(B)(i) requires employers to provide specific information that is then used in proposed §128.7(c)(1) but that the two sections did not match each other perfectly because §120.4(d)(2)(B)(i) did not reference stipends. The commenter recommended adding a reference to stipends to match §128.7(c)(1).

Response: A school district employee's salary includes both the stipends that the employee was earning at that time of the injury and the stipends that the employee was scheduled to receive after the injury. All stipends should be included in the employee's written contract but it could be that the employee is not scheduled to receive the stipend until after the employee was injured (maybe the employee was injured in the fall but was not scheduled to receive the stipend until the spring). Therefore, the subsection references "any stipend the employee was earning or scheduled to receive" which matches the language in §128.7. This language also incorporates the provisions of Texas Labor §408.0446(b), which provides carriers with the authority to adjust the AWW as often as necessary to reflect the wages the employee reasonably could expect to earn during the period for which TIBs are paid. If the employee was to receive a stipend after the date of injury, then that should be considered as "wages the employee reasonably could expect to earn."

Comment: Commenter suggested that proposed §120.4(d)(2)(C), which requires the employer to provide on a wage statement of a school district employee "any other amounts not reported that the employee could have reasonably been expected to earn after the date of injury had the employee not been injured," be deleted from the rule. The commenter was not certain what purpose the subsection was intended to serve.

The commenter believed that the multiple employment provisions of HB-2600 do not apply to school district employees (and made comments to that effect in response to proposed rule 128.7) and therefore felt that if the purpose of §120.4(d)(2)(C) was to implement multiple employment for school district employees, it was not necessary. The commenter conversely argued that even if multiple employment does apply to school district employees, it is the employee's responsibility to report wages from their other employment, not the employer's.

The commenter also suggested that if the purpose of the subsection was to implement the adjustment allowed in the temporary income benefit period, the prospective earnings should not include bonuses, stipends, or raises unless they were being earned at the time of injury because the commenter felt that these provisions of the Texas Labor Code were intended to address seasonal adjustment of the AWW. The commenter stated that the adjustment allowed in §408.0446 is for periods of non-employment at the school district and would not be known by the school district employer for inclusion on the Employer's Wage Statement.

Response: The commission disagrees. Section 408.0446 of the Texas Labor Code provides that the AWW is to be adjusted to reflect the amount that the employee could have reasonably been expected to earn over the period that benefits are paid. The purpose of the language the commenter was concerned about in §120.4(d) is to ensure that if an employer knows of any other amounts that the employee could have been expected to earn after the date of injury, that this information is reported to the carrier so that the carrier can adjust the AWW as appropriate. As noted, some stipends may only be payable over specific periods of time and thus the AWW could be adjusted for that.

Regarding the issue of multiple employment and school district employees, the commission does not believe that it was the intent of HB-2600 to exclude school district employees from the provisions of §408.042 because there was no language in the Act to that effect. This issue is discussed in more detail in the preamble adopting new § 128.7 of this title.

Comment: A commenter raised an issue on the rules in chapter 128 relating to AWW that resulted in the commission changing §120.4.

The commenter was concerned about situations in which employers indicate that the employee is continuing to receive health insurance (which is a nonpecuniary wage) and then the employer discontinues it (possibly due to a termination of employment). The commenter's concern relates to the fact that the AWW is lower while the nonpecuniary wages are continued (per Texas Labor Code §408.045 which prohibits including in the AWW any nonpecuniary wages during a period in which they are continued) than it would be when the wages are discontinued.

The commenter claimed that it is common for carriers to not adjust the AWW upwards when the employer discontinues providing the nonpecuniary wages (essentially because the employer fails to notify the carrier of the change as required by commission rule). The commenter felt this was particularly unreasonable when the carrier is a self-insured employer as he felt that the carrier should know if the employee was fired or the benefits otherwise discontinued.

The commenter suggested modifying the rule to state that the carrier may not reduce the claimant's workers' compensation benefits by the value of the health insurance beyond a set period of time (possibly 3-6 months) unless the employer affirmatively states that fringe benefits have been continued.

Response: Employers filing wage statements are already required to state whether they are continuing to provide nonpecuniary wages. Further, the amended rule requires (and the rule it replaces required) the employer to report any changes in the information submitted on a prior wage statement. To clarify the requirement, the commission has added an example in §120.4(a)(2). But, if the employer is discontinuing the benefits because the employee no longer works for the employer, the employer is required to report the separation of employment under § 120.3 (relating to Employer's Supplemental Report of Injury) and thus the carrier should expect that any benefits would not be continued and an adjustment of the AWW is required.

The commission also made changes in §128.2 to address the commenter's concern (though not the way suggested by the commenter). These changes are discussed in the preamble to the adoption of §128.2.

The new rule is adopted under: the Texas Labor Code §402.061, which authorizes the commission to adopt rules necessary to administer the Act; the Texas Labor Code §401.011 which contains definition used in the Texas Workers' Compensation Act; the Texas Labor Code §401.024, which provides the commission the authority to require use of facsimile or other electronic means to transmit information in the system; the Texas Labor Code §402.042, which authorizes the Executive Director to enter orders as authorized by the statute as well as to prescribe the form and manner and procedure for transmission of information to the commission; the Texas Labor Code §406.010, that authorizes the commission to adopt rules regarding claims service; the Texas Labor Code §§408.041 - 408.047 which govern calculation of the average weekly wage Including §408.0446, as adopted by the 77th Texas Legislature, which allows the commission to adopt rules as necessary regarding the calculation of average weekly wage for school district employees and §408.042, amended by the 77th Texas Legislature, which authorizes the commission to determine, by rule, the manner by which wage information for multiple employment is collected and distributed); the Texas Labor Code §408.063 which requires wage statements to be filed and that it is a violation to fail to timely file wage statement; the Texas Labor Code §409.005 which specifies that the commission may specify what subsequent reports employers have to file by rule; and the Texas Labor Code §415.021 that establishes that the commission may issue penalties for repeated administrative violations.

§120.4Employer's Wage Statement.

(a) The employer is required to timely file a complete wage statement in the form and manner prescribed by the commission. As used in this section, the term "filed" means "received."

(1) The wage statement shall be filed with the carrier, the claimant, and the claimant's representative (if any) within 30 days of the earliest of:

(A) the date the employer is notified that the employee is entitled to income benefits;

(B) the date of the employee's death as a result of a compensable injury.

(2) A subsequent wage statement shall be filed with the carrier, claimant, and the claimant's representative (if any) within seven days of a change in any wage information provided on the previous wage statement. (such as because the employer has discontinued providing a nonpecuniary wage that was originally continued after the injury).

(3) The wage statement shall be filed with the commission within seven days of receiving a request from the commission.

(b) The employer shall ensure timely delivery of the written wage statement, however, if agreed upon by the employer and the carrier, the wage statement filed with the carrier may be filed orally. The carrier may also agree to provide the wage statement to the claimant and the claimant's representative, if any. However, the employer remains responsible for ensuring timely delivery of the wage statement and the employer has the burden of proving that the wage statement was timely filed. Therefore, employers should file the wage statement by verifiable means and maintain a record of the:

(1) information provided;

(2) date filed; and

(3) means of filing with each recipient required to receive the report.

(c) The wage statement shall include:

(1) the employee's name, address, and social security number;

(2) the date of the employer's hire of the employee;

(3) the date of injury;

(4) the employer's name, address, and federal tax identification number;

(5) an identification of the employment status (e.g. if the employee works full-time, part-time, etc.);

(6) the name of the person submitting the report;

(7) the wage information required by subsection (d) of this section; and

(8) a certification that the wage information provided includes all wage information required by subsection (d) of this section and that the information is complete and accurate.

(d) The employer shall provide wage information in accordance with this subsection.

(1) Employers other than school districts shall report the employee's wage, as defined in §128.1 of this title (relating to Average Weekly Wage: General Provisions), earned by the employee during the 13 weeks immediately preceding the date of injury and the number of hours the employee worked to earn the wages being reported.

(2) School district employers shall report the wages that would be deducted from the employee's salary if the employee were absent from work for one week and did not have personal leave available to compensate for the wages lost that week.

(A) For employees employed through a written contract, the employer shall report the full value of the contract that would be paid (including any stipend the employee was earning or scheduled to receive) if the employee were to fully complete the terms of the contract and:

(i) the number of days that the employee was required to work under that contract; or

(ii) the number of months that the employee was required to work under that contract (whichever is applicable).

(B) For employees who are NOT employed through a written contract, the employer shall report the pecuniary wages earned by the employee during the 13 weeks immediately preceding the date of injury and the number of hours the employee worked to earn the wages being reported.

(C) For all employees, the employer shall report the pecuniary wages earned by the employee in the 12 months immediately preceding the injury.

(3) This subsection applies if the employer is required to report 13 weeks of wage information under subsection (d)(1) or (d)(2)(B) of this section (i.e. it does not apply if the employee was an employee of a school district employed through a written contract).

(A) If the employee is paid on a monthly or a semi-monthly basis, the employer may provide the wages earned in the three months immediately preceding the injury; if the employee is paid on a biweekly basis, the employer may provide the wages earned in the 14 weeks immediately preceding the injury; otherwise the employer shall provide the wages earned in the 13 weeks immediately preceding the injury.

(B) If the employee was not employed for 13 continuous weeks before the date of injury and the employee was not employed by a school district through a written contract:

(i) the employer shall identify a similar employee performing similar services, as those terms are defined in §128.3 of this title (relating to Average Weekly Wage Calculation For Full-Time Employees, and For Temporary Income Benefits For All Employees), and list the wages of that similar employee; however if

(ii) the employer does not have a similar employee who has been employed for 13 continuous weeks prior to the injured employee's date of injury, the employer shall provide the wages earned by the employee during the period the employee was employed.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on April 26, 2002.

TRD-200202618

Susan Cory

General Counsel

Texas Workers' Compensation Commission

Effective date: May 16, 2002

Proposal publication date: November 30, 2001

For further information, please call: (512) 804-4287


Chapter 122. COMPENSATION PROCEDURE-CLAIMANTS

Subchapter A. CLAIMS PROCEDURE FOR INJURED EMPLOYEES

28 TAC §122.5

The Texas Workers' Compensation Commission (commission) adopts new §122.5 concerning Employee's Multiple Employment Wage Statement with changes to the proposed text published in the November 30, 2001, issue of the Texas Register (26 TexReg 9738). This new rule is adopted concurrently with amendments to §128.2 concerning Carrier Presumption of Employee's Average Weekly Wage and new §120.4 concerning Employer's Wage Statement.

As required by the Government Code §2001.033(1), the commission's reasoned justification for this rule is set out in this order which includes the preamble, which in turn includes the rule. This preamble contains a summary of the factual basis of the rule, a summary of comments received from interested parties, names of those groups and associations who commented and whether they were for or against adoption of the rule, and the reasons why the commission disagrees with some of the comments and proposals.

Changes made to the proposed rule are in response to public comment received in writing and at a public hearing held on January 16, 2002, and are described in the summary of comments and responses section of this preamble. Other changes were made based on further review by staff to clarify the rule, ensure consistency, or to correct typographical or grammatical errors. Changes from the proposed text are found in subsections (a), (b), (c), (d), (e), and (f).

House Bill 2600 (HB-2600) passed by the 77th Texas Legislature amended Texas Labor Code Chapter 408 through additions to §408.042 to address employees with multiple employment. Based on these changes, employees can now report wages from other jobs they held at the time of the injury to influence the average weekly wage (AWW). The commission is required to specify by rule how this other wage information is to be collected and distributed. To avoid any undue confusion and to improve the clarity of the rules, the Commission adopts new §122.5 to address the inclusion of wages from multiple employers. This rule provides for the reporting of wages from the Non-Claim Employers. The new rule clearly states expectations so that all system participants will understand the requirements that the Act and rules place on them with the purpose of improved benefit delivery, reduced disputes and violations and ease in holding participants accountable for their actions and inactions.

Subsection (a) provides several important definitions to simplify the comprehension of the rule. The definitions were necessary to differentiate between the "Claim Employer" who is the employer for whom the employee worked at the time of the injury and the "Non-Claim Employers" who are other employers where the employee may concurrently have been employed at the time of the injury. Subsection (a)(3) referencing school district employees as a distinguished employee type was also removed from the proposed rule.

Subsection (b) specifies the effective date of this provision. The proposed rule provided that the rule applied to school district employees injured on or after July 1, 2002. Based upon public comment, the commission modified the rule to apply the same to all claims. That is the adopted rule applies to all employees injured on or after July 1, 2002.

Most of the comments suggested multiple employment was not meant to apply in situations where employees had another specifically defined classification of employment (such as employment at a school district). The commission found no evidence that the Legislature intended the provisions to only apply to full-time employees who are not employed by school districts. Rather, the commission believes that the fact that neither the school district employment provisions of HB-2600 nor the multiple employment provisions contained any language that would limit their applicability, meant that they were intended to work harmoniously together.

Subsection (c) requires an employee who is electing to report multiple employment wages to file the information with both the carrier and the commission in accordance with this rule. Through collecting the multiple employment wage information, the commission will be able to make a more accurate projection of the impact to the Subsequent Injury Fund (SIF) by multiple employment. Clarification is also provided in the section that the employee is responsible for gathering, filing, and correcting the wage information.

Subsection (d) is a listing of the information required on the Employee's Multiple Employment Wage Statement. The required information is largely the same as that required on the Employer's Wage Statement under proposed §120.4, however if the wage information is provided by the non-claim employer, a contact name and phone number must be furnished. However, sometimes claimants may not be obtaining the wage information from the Non-Claim Employer (such as when the wage information is provided by the Texas Workforce Commission or the employee's pay stubs). The rule does not require the name and contact number of a person at the non-claim employer in this situation.

Subsection (e) explains the specific actual wage information necessary to constitute a complete multiple employment wage statement. Under commission rules, different courses of employment each carry their own provisions for calculating the AWW, and the multiple-employment provisions of §408.042 contain their own requirements for calculating the AWW. As discussed in the adoption preamble to §128.1, the commission adopts rules that ensure that, to the extent possible, all applicable provisions are incorporated into the calculations in such a way as to not render any of the provisions meaningless. Thus employees injured at a school district who have separate concurrent employment will have the portion of their AWW from the school district calculated in accordance with Texas Labor Code §408.0446 and will have the portion of their AWW from their non-claim employers calculated in accordance with Texas Labor Code §408.042.

Not only does this methodology allow all portions of the statute to be used in a manner which does not render any of them invalid, it is also much easier for employers, employees, and carriers to administer. Wage reporting is standardized and AWW calculation does not require carriers to know a great deal about the non-claim employers.

Based on public comment, subsection (f) was added to place the requirement on injured employees to notify their carrier of all changes in employment status and/or earnings at the non-claim employer until the injured employee reaches maximum medical improvement, which could potentially be up to 104 weeks. The subsection essentially requires employees to report the same sorts of changes that a Claim Employer is required by §120.3 (relating to Employer's Supplemental Report of Injury) to report to the carrier on the Supplemental Report of Injury. However, timeframes are slightly different in an attempt to better line up reporting duties with carrier payment duties. The reason that this is important is that changes in earnings at the non-claim employer during the TIBs and SIBs periods can have a big impact on the employee's entitlement to benefits.

Comments regarding the rules as proposed were received from the following groups: Texas Mutual Insurance; Insurance Council of Texas; Flahive, Ogden, and Latson; Texas Association of School Boards; and the Research and Oversight Counsel on Workers' Compensation

All of the groups that provided comments generally supported the rules as proposed. Suggestions for additional clarification, alternate language, and ideas to improve the rules were also received through comments. The Insurance Council of Texas supported the adoption of the rules as proposed.

GENERAL COMMENTS

Introductory Comment: Although all claims involve the employee's AWW, benefits based upon the employee's AWW are sometimes not paid to the employee (such as in a death benefits case). Therefore, the commission has made modifications to the rule as proposed such that references to action by or toward an employee are now references by or toward the claimant (which includes legal beneficiaries). However, references to the AWW are still the "employee's AWW" because even in the case of death benefits, it is the employee's AWW that benefits are based upon.

COMMENT: Commenters generally supported proposed new §122.5 which implements provisions in HB-2600 to allow an employee to report wages from multiple employment to the carrier. Commenter stated that the rule tracks with the language of HB 2600 and the intent of the Texas Legislature.

RESPONSE: The commission agrees that the rule should be adopted but also agrees with several suggestions for changes as discussed in other comments.

COMMENT: Commenter was concerned that, as proposed, §122.5(b) and (c) implement the multiple employment provisions that apply to school district employees with dates of injury on or after December 1, 2001, while the multiple employment provisions in HB-2600 are not effective until July 1, 2002. The commenter was concerned about this, in part, because the reimbursement provision relating to multiple employment (meaning reimbursement of the portion of benefits paid as a result of multiple employment from the Subsequent Injury Fund) only applies to injuries on or after July 1, 2002. The commenter suggested that the subsections be changed to either exempt school district employees from the multiple employment provisions of the statute or to not expand its application to dates of injury on or after December 1, 2001.

RESPONSE: The commission agrees that the multiple employment provisions of HB-2600 do not apply to any employees whose dates of injury are before July 1, 2002, and has modified the rule to address this.

COMMENT: Commenter was concerned that the rule did not provide a timeframe in which to file a Multiple Employment Wage Statement, which "will result in continuing uncertainty as to the proper AWW." The commenter suggested adding a time limit to the rule so that claimants would have 30 days from the date they received the Employer's Wage Statement to file their own multiple employment wage statements.

RESPONSE: The commission disagrees that the employee should have only 30 days to report the multiple employment wages. Employees may have difficulty obtaining wage information from non-claim employers and to put a limit on the amount of time the employee has to submit the information might punish the employee for the inactions of the non-claim employer (who is not required by statute to provide the information). It may turn out that the employee is only able to obtain the information from the Texas Workforce Commission. According to their process, wage reports are filed quarterly and subsequently loaded into database files where wage reports for given individuals are generated. Based on their schedule, a considerable gap in time exists, potentially six months, between the time the wages are earned and the time that a wage report reflecting the needed earnings can be generated.

If a carrier receives a late wage statement that proves that the AWW that the carrier has been using to pay benefits is too high, the carrier is not prevented from using this new information even though the employer was in noncompliance by failing to timely file the report. Putting a limit on the amount of time the employee has to report the wages from a non-claim employer while not putting such a limit on a claim employer would result in an unwarranted double standard.

COMMENT: Commenter wanted to know why the commission wants to receive copies of a "Multiple Employment Wage Statement" §122.5(d) and suggested that the employee only file it with the carrier. The commenter noted that through HB-2511 the commission was tasked with reducing the amount of paper filed in the system through means such as EDI.

RESPONSE: The statute requires the commission to specify a method to gather multiple employment wage information. Although some information regarding multiple employment may be obtained if the carrier chooses to request reimbursement from the SIF for the portion of the benefits that were based upon the multiple employment wages, not all carriers may choose to do so and thus the commission would be unable to measure the true impact of this legislation. In addition, getting the wage information only when a request for reimbursement is received would not allow the commission to estimate the potential liabilities that these reimbursements could cause.

The commission has two basic choices to meet this data gathering challenge. It could require the claimant to submit a copy of the form as was proposed, or it could require carriers to submit the information to the commission on a regular basis (perhaps electronically). The adopted rule leaves the reporting requirement on the claimant as proposed but the commission may revisit the issue in the future.

COMMENT: Commenter suggested that §122.5(d) be modified to clearly state that it is the employee's responsibility to obtain, provide any necessary corrections and file the information from a "Non-Claim Employer" all wage information necessary for the carrier to adjust the AWW to include wages for employees with wages from multiple employers and provided some specific language to do so.

RESPONSE: The commission agrees and has modified the rule to use most of the suggested language (modifying it slightly for style). The commission did not include the commenter's suggestion that the rule require the claimant to obtain a certification regarding the accuracy of the wages because, it seemed to imply that the certification had to come from a Non-Claim Employer and the claimant might not be able to obtain the information from the Non-Claim Employer.

COMMENT: Commenter suggested adding language to the rule which specifies that the employee is responsible for providing carriers with complete information about the weekly earnings for the Non-Claim Employer each week following the date of injury as described in Chapter 129 of this title (related to Entitlement to Temporary Income Benefits). The commenter pointed out that this will be needed to properly calculate the amount of TIBs the employee is entitled to and suggested that the commission might need to modify the Multiple Employment Wage Statement or create another mechanism to make such reports. The commenter also suggested that whatever mechanism is chosen, it should inform the employee of their obligation to report the information to prevent fraud.

RESPONSE: The commission agrees that in the event that the employee claims compensation based upon multiple employment, the employee should be required to report any changes in earnings and employment with the other employer and has added a subsection to that effect. The subsection essentially requires employees to report the same sorts of changes that a Claim Employer is required by §120.3 (relating to Employer's Supplemental Report of Injury) to report to the carrier on the Supplemental Report of Injury. However, timeframes are slightly different in an attempt to better line up reporting duties with carrier payment duties.

COMMENT: Commenter suggested that employees be required to provide the phone number of the person at the Non-Claim Employer who can be contacted to verify the wage information.

RESPONSE : The commission agrees and has modified the rule to that effect. However the commission has added an exception to this requirement in the rule. As noted, claimants may not be obtaining the wage information from the Non-Claim Employer (such as when the wage information came from the Texas Workforce Commission or the employee's pay stubs). If the commission required the contact name and number on all wage statements in order for them to be considered complete and the Non-Claim Employer was uncooperative, claimants would be unable to get their AWW properly adjusted.

COMMENT: Commenter suggested that §122.5(f) be modified to reiterate the employee's responsibility to provide wage information from the Non-Claim Employer and provided specific language to do so.

RESPONSE: The commission agrees that it is the employee's responsibility but believes that it is unnecessary to state it repeatedly throughout the rule.

COMMENT: Commenter suggested that, because proposed amended §128.2(c)(1) provides carriers with different methods to calculate AWW for the prompt initiation of benefits (when the employer has not filed a complete TWCC-3), that §122.5 be modified to allow Multiple Employment wage information to be provided in a manner that matches. For example, for employees who are paid monthly or semimonthly, employers could provide the wages earned in the three months prior to the date of injury and for employees who are paid every two weeks, the employee could provide 14 weeks of earned wages.

The commenter felt that the commission should not require employees/Non-Claim Employers to convert wage information for employees paid a monthly or semi-monthly salary to convert the payments to weekly because it would "simplify employee reporting in these situations and will result in earlier completion and submission of these forms to carriers. Carriers can use the methods described in new section 128.2 to calculate AWW."

RESPONSE: The commission agrees with the suggestion that subsection should provide guidance to employers who pay their employees on a monthly, semimonthly, or biweekly basis on how to report that information and has made the change. While some employers are able to correctly convert these non-weekly wages to the correct "weekly amounts," many are not and it causes inaccuracies in reporting and/or difficulties in calculating the AWW. Since §128.2 basically provides "conversions" for such wages into the 13 weeks to be used to calculate the AWW, it is logical to provide guidance to employers. Otherwise, employers would be placed in a situation where the employer is providing information in a manner that the carrier can use under §128.2 but that is not in compliance with §120.4 and thus is a violation.

The new rule is adopted under: the Texas Labor Code, §402.061, which authorizes the commission to adopt rules necessary to administer the Act; the Texas Labor Code, §401.011 which contains definition used in the Texas Workers' Compensation Act; the Texas Labor Code, §401.024, which provides the commission the authority to require use of facsimile or other electronic means to transmit information in the system; the Texas Labor Code, §402.042, which authorizes the Executive Director to enter orders as authorized by the statute as well as to prescribe the form and manner and procedure for transmission of information to the commission; the Texas Labor Code §406.010, that authorizes the commission to adopt rules regarding claims service; the Texas Labor Code §§408.041 - 408.047 which govern calculation of the average weekly wage (including §408.0446, as adopted by the 77th Texas Legislature, which allows the commission to adopt rules as necessary regarding the calculation of average weekly wage for school district employees and §408.042, amended by the 77th Texas Legislature, which authorizes the commission to determine, by rule, the manner by which wage information for multiple employment is collected and distributed}; and the Texas Labor Code §415.021 that establishes that the commission may issue penalties for repeated administrative violations.

The new rule is adopted under: the Texas Labor Code, §402.061, §401.011, §401.024, §402.042, §406.010, §§408.041 - 408.047, §415.021 .

§122.5.Employee's Multiple Employment Wage Statement.

(a) Definitions. The following words and terms, when used in this subchapter, will have the following meanings, unless the context clearly indicates otherwise.

(1) Claim Employer -- Employer with whom the claimant filed a claim for workers' compensation benefits and for whom the injured employee (employee) was working at the time of the on-the-job injury.

(2) Non-Claim Employers -- Employers other than the claim employer by whom the employee was employed at the time of the on-the-job injury.

(b) For an injury which occurs on or after July 1, 2002, a claimant may file a Multiple Employment Wage Statement for each employer the employee was working for on the date of injury.

(c) If a claimant who is permitted by subsection (b) of this section chooses to file a Multiple Employment Wage Statement, it is the claimant's responsibility to obtain the required wage information from the Non-Claim Employer(s), providing any necessary corrections to the wage information, and filing the information on the Multiple Employment Wage Statement with the insurance carrier and commission. The carrier is not required to make an adjustment to AWW until the employee provides a complete Multiple Employment Wage Statement as described in subsections (d) and (e) of this section.

(d) The Multiple Employment Wage Statement shall include:

(1) the employee's name, address, and social security number;

(2) the date of the Non-Claim Employer's hire of the employee;

(3) the date of injury;

(4) the Non-Claim Employer's name, address, and federal tax identification number;

(5) the name and phone number of a person at the Non-Claim Employer who can be contacted to verify the wage information (unless the wage information was not provided by a person at the Non-Claim Employer - such as if the wage information came from the Texas Workforce Commission or the employee's pay stubs);

(6) the wage information required by subsection (e) of this section with documentation that supports the wage information being reported; and

(7) a certification that the wage information provided includes all wage information required by subsection (e) of this section and that the information is complete and accurate.

(e) The wage information required to be provided in a Multiple Employment Wage Statement includes the employee's Non-Claim Employer wages, as defined in §128.1 of this title (relating to Average Weekly Wage: General Provisions), earned during the 13 weeks immediately preceding the date of injury and the number of hours the employee worked to earn the wages being reported. The wages are limited to those reportable for federal income tax purposes.

(1) If the employee is paid by the Non-Claim Employer:

(A) on a monthly or a semi-monthly basis, the claimant may provide the wages earned in the three months immediately preceding the injury;

(B) on a biweekly basis, the claimant may provide the wages earned in the 14 weeks immediately preceding the injury;

(C) On other than a monthly, semi-monthly, or biweekly basis, the claimant shall provide the wages earned in the 13 weeks immediately preceding the injury.

(2) If the employee was not employed for 13 continuous weeks before the date of injury:

(A) the claimant shall report the wages of a similar employee performing similar services, as those terms are defined in §128.3 of this title (relating to Average Weekly Wage Calculation For Full-Time Employees, and For Temporary Income Benefits For All Employees); or

(B) if the Non-Claim Employer does not have a similar employee who has been employed for 13 continuous weeks prior to the employee's date of injury (or the claimant is unable to obtain the wage information on a similar employee), the claimant shall provide the wages earned by the employee during the period the employee was employed.

(f) Employees who file Multiple Employment Wage Statements are required to report all changes in employment status and/or earnings at the Non-Claim Employer to the carrier until the employee reaches Maximum Medical Improvement.

(1) The employee shall report all changes in employment status at the Non-Claim Employer including termination or resignation within 7 days of the date the change takes place.

(2) The employee shall report within 7 days of the end of the pay period in which a change in earnings at the Non-Claim Employer related to the compensable injury took place. This would include both reductions and increases in wages as compared to the prior week as long as the difference was caused by the compensable injury such as because the employee's ability to work changed or the employer was more or less able to provide work that met the employee's work restrictions.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on April 26, 2002.

TRD-200202619

Susan Cory

General Counsel

Texas Workers' Compensation Commission

Effective date: May 16, 2002

Proposal publication date: November 30, 2001

For further information, please call: (512) 804-4287


Chapter 128. BENEFITS--CALCULATION OF AVERAGE WEEKLY WAGE

28 TAC §§128.1, 128.2, 128.7

The Texas Workers' Compensation Commission (commission) adopts amendments to §128.1 concerning Average Weekly Wage: General Provisions and §128.2 concerning Carrier Presumption of Employee's Average Weekly Wage and new §128.7 concerning Average Weekly Wage for School District Employees with changes to the proposed text published in the November 30, 2001, issue of the Texas Register (26 TexReg 9740).

As required by the Government Code §2001.033(1), the commission's reasoned justification for these rules is set out in this order which includes the preamble, which in turn includes the rules. This preamble contains a summary of the factual basis of the rule, a summary of comments received from interested parties, names of those groups and associations who commented and whether they were for or against adoption of the rule, and the reasons why the commission disagrees with some of the comments and proposals.

Changes made to the proposed rules are in response to public comment received in writing and at a public hearing held on January 16, 2002, and are described in the summary of comments and responses section of this preamble. Other changes were made based on further review by staff to clarify the rule, ensure consistency, or to correct typographical or grammatical errors.

Changes from the rules as proposed are found in §128.1(a), (c), (e), (f), (g), and (h); §128.2(a), (c), (d), (e), (f), and (g); and §128.7(a), (b), (c), and (e).

The changes and additions to the rules are in response to new legislation enacted by the 77th Texas Legislature. At the same time, these actions also incorporate into the rules some of the Commission's policies. Other changes from the current rules were made to simplify rule construction. The structure of the new rules is more prescriptive and clear compared to the old rules they amend. Further, the new rules clearly lay out expectations so that all system participants will understand the requirements that the Act and rules place on them. It is expected that together, these changes will improve benefit delivery, reduce disputes, reduce violations, and make it easier to hold system participants accountable for their actions and inactions.

Specifically, House Bill 2600 (HB-2600), passed by the 77th Texas Legislature, amended Texas Labor Code Chapter 408 by adding §408.0446 which establishes special criteria for determining the amount of income benefits due a school district employee injured on the job and §408.042 pertaining to employees with multiple employment. In response to these amendments, new §128.7 is proposed. Amendments are proposed to §128.1 and §128.2 to make them consistent with other commission rules, to clarify the process and timing of adjusting the average weekly wage and to incorporate into the rules, long-standing commission policies regarding use of incomplete wage statements.

Amendments to §128.1 - Average Weekly Wage: General Provisions. Amendments to §128.1(a) add school district employees and employees with multiple employment to the general provision for the calculation of average weekly wage (AWW) and allow for adjustments to the AWW for school district employees. Furthermore, to simplify the section and provide ease of reference, each course of employment is listed in a separate subsection with the corresponding calculation rule.

Amendments to subsections (b) and (c), designed to provide clarification, include a reference to the definition and examples of pecuniary and nonpecuniary wages in §126.1. Based on public comment, examples of exclusions to the AWW related to travel expenses are provided in subsection (c)(1). The amendments also appropriately exclude school district employees from this subsection as provided by HB-2600.

New subsection (d) clarifies that AWW calculations are based on gross wages.

The addition of subsections (e), (f), and (g) establishes guidelines for adjusting the AWW. Subsection (e) specifies that carriers are required to adjust an employee's AWW and begin payment of benefits based upon the adjusted AWW. Based upon public comment, this subsection was modified to standardize the timeframes for making the adjustments. If the claimant is not receiving income or death benefits at the time that the adjustment is made and the carrier owes additional benefits to the claimant for benefits previously paid, the carrier has seven days to make the payment to the claimant. If, on the other hand, the claimant is still receiving income or death benefits at the time that the adjustment is made, the carrier has to begin payment based upon the new AWW no later than the first payment due at least seven days after the date the carrier received the information used to adjust the AWW. This allows the carrier to avoid issuing a separate "underpayment" check and to continue paying benefits on the already established schedule. This represents the incorporation into the rule of a long-standing commission policy. The subsection includes new provisions as well.

Under this new subsection, an insurance carrier (carrier) is allowed to recover an overpayment of income benefits caused by a change in the AWW. If the injured employee's benefits are not being reduced to pay approved attorney's fees or to recoup a commission approved advance, this recovery will be on a weekly basis up to 25% of the employee's new AWW. If the claimant's benefits are concurrently being reduced to pay approved attorney's fees or to recoup a commission approved advance, the carrier may recoup the overpayment at an amount not to exceed 10% of the weekly benefits. A higher percentage of weekly recoupment is possible upon written agreement between the injured employee and insurance carrier or by requesting permission from the commission. The subsection also includes language that explains what the commission will consider in deciding whether to grant such a request. The primary factor affecting this decision is the likelihood of the entire benefit overpayment being recouped.

Subsection (f) requires carriers to provide notice to the claimant and the commission when an adjustment to the benefit amount is made. Furthermore, if a recoupment is involved following the AWW adjustment, the notice shall identify the amount of overpayment to be recouped. Subsection (g) is language that was previously contained in subsection (a) but moved when subsection (a) was restructured.

The commission received a number of comments relating to AWW in a situation where the employee has multiple employment on the date of injury and the date of injury is on or after July 1, 2002. Based on these comments, the commission has determined that some clarification would be helpful. Therefore, subsection (h) was added to the rule and it outlines the procedure for calculating an employee's AWW in such situations. This portion of the rule establishes that the AWW relating to the claim employer (which is the employer where the injury occurred) shall be calculated in accordance with the rule corresponding to the course of employment as directed in subsection (a) of this rule. The portion of the employee's AWW based upon employment with each non-claim employer shall be calculated in accordance with §128.3 of this title except that these wages will only include wages that are reportable for federal income tax purposes. This formula will apply to all types of employment. The sum of both claim and non claim employer AWWs will be the AWW for their claim.

The commission considered a number of different methodologies to handle these calculations and also considered arguments that multiple employment was not meant to apply in situations where employees had another specifically defined classification of employment (such as employment at a school district) and rejected them.

The commission found no evidence that the Legislature intended the multiple employment provisions to only apply to full-time employees who are not employed by school districts. Rather, the commission believes that the fact that neither the school district employment provisions of HB-2600 nor the multiple employment provisions contained any language that would tend to limit their applicability, meant that they were intended to work harmoniously together. They work together the same way that the multiple employment provisions were meant to work with existing statutory provisions relating other courses of employment such as seasonal employment (which, like school districts, have very specific provisions on how to calculate the AWW).

Faced with the fact that different courses of employment each carried their own provisions for calculating the AWW, and the fact that the multiple-employment provisions contain their own requirements for calculating the AWW, the commission has adopted rules that ensure that, to the extent possible, all applicable provisions are incorporated into the calculations in such a way as to not render any of the provisions meaningless. Thus employees injured at a school district but who have separate concurrent employment will have the portion of their AWW from the school district calculated in accordance with Texas Labor Code §408.0446 and will have the portion of their AWW from their non-claim employers calculated in accordance with Texas Labor Code §408.042.

Not only does this methodology allow all portions of the statute to be used in a manner which does not render any of them invalid, it is also much easier for employers, employees, and carriers to administer. Wage reporting is standardized and AWW calculation does not require carriers to know a great deal about the non-claim employers.

Amendments to §128.2 - Carrier Presumption of Employee's Wage; Employer Wage Statement Required. - (Proposed new title: Carrier Presumption of Employee's Average Weekly Wage)

There are a number of changes to §128.2. The biggest change is the removal of the portions of the rule that relate to the employer's requirements to file the Wage Statement. The Commission has deleted the language in subsections (b) and (c) of the previous rule and moved these provisions to new §120.4 (relating to Employer's Wage Statement) which is adopted concurrently with these rules. Relocating the Employer's Wage Statement requirements to chapter 120 make it easier for employers to find their responsibilities. In addition, §128.2 contains a reference in subsection (a) to new §120.4. In addition, the commission removed specific language regarding enforcement and violations through amendments to subsections (d) and (e). Removal of the enforcement language is not intended to limit the commission's authority to take enforcement action for violations of this or any other rule. Rather, the existing language does not address all of the methods of enforcement that the commission has at its disposal for these violations. The commission's authority to enforce the statute and rules is granted in multiple provisions of the statute and duplicate language in rules is unnecessary.

The other amendments to this rule incorporate long-standing commission policies regarding use of incomplete wage statements. Much of this guidance has previously been provided via advisory and through the commission's audit and enforcement efforts.

Amendments to subsection (a) clarify and draw attention to the fact that carriers are to use either the factor of the employee's hourly rate and the average number of hours in the employee's standard week, the employee's last paycheck or other available evidence in the absence of a complete wage statement. Amendments to subsection (a) also include reference to the new Employee's Multiple Employment Wage Statement as well as new §122.5 (relating to Employee's Multiple Employment Wage Statement) that is adopted concurrently with these rules.

Subsection (b) and (c) provide additional direction to carriers regarding how to calculate the correct wage in the absence of a properly completed wage statement. The intention of this list is not to address every possible scenario a carrier may encounter, but rather to provide assistance and ideas in calculating a correct AWW from evidence other than a complete wage statement.

In subsection (d) the carrier is required to recalculate the AWW upon receipt of a properly completed wage statement.

Through subsection (e) the commission requires carriers to notify employers when a claimant becomes entitled to income benefits if the carrier has not already received a wage statement when the benefits accrue. The previous rule required employers to file the report within 30 days of the claimant accruing benefits. For cases where the employee accrues TIBs this is relatively easy because employers can count the days off of work and assume they represent days of disability. Under the previous rule, filing the wage statement on claims with little or no disability but where there is later entitlement to income benefits is difficult. To resolve this issue, the amendment requires the carrier to notify the employer when such a situation occurs.

Subsection (f) provides guidance to carriers attempting to take appropriate action on wage statements that may not easily be interpreted. Many times, employers may provide amounts of nonpecuniary wages provided by them, however, they fail to indicate whether or not they are continuing to provide the benefit. Public comment requested assistance in handling this situation. In response, the commission added subsection (f) requiring carriers to include the nonpecuniary wages into the calculation of income benefits when the employer does not indicate the status of the benefit following the injury unless the carrier can verify that the nonpecuniary wages are to be continued by the employer.

Subsection (g) reminds carriers and employees that if either believes that the AWW calculated by following the rule does not reflect the true AWW, they may enter into a written agreement or, if unable to reach an agreement, request a benefit review conference (BRC). This is important because this rule does not specify how to calculate the true, perfect AWW. Rather it places requirements on carriers on how they are to calculate the AWW. The requirements of this rule should produce the correct AWW in the majority of situations. However, there will be instances where the methodology outlined in this rule may not produce an AWW that the carrier or the employee believes to be fair, just, and reasonable. While following the methods in the rule will ensure that carriers are in compliance, it could be that the claimant or carrier wants to challenge the AWW produced under the rule and this subsection reminds them that they have the right to do so.

New §128.7 - Average Weekly Wage for School District Employees.

New §128.7, Average Weekly Wage for School District Employees, establishes requirements for determining the AWW for school district employees. New §128.7 considers the employment variations unique to an employee of a school district employer and provides language addressing the calculation of AWW for each variation.

Subsection (a) indicates that the rule only applies to school district employees injured on or after December 1, 2001, in accordance with HB-2600. The calculations described within this rule only apply to the portion of the employee's AWW that is based upon the employee's employment with the school districts where the school district is the claim employer as the term is used in §122.5 relating the Employee's Multiple Employment Wage Statement.

Subsection (b) defines "wages earned in a week" as wages equal to the amount that would be deducted from an employee's salary if the employee were absent from work for one week and the employee did not have personal leave available to compensate the employee for lost wages for that week. This means that "wages" in the calculation of AWW for school district employees only includes pecuniary wages. This definition applies to temporary income benefits (TIBs).

Subsection (c) provides methodology for calculating the amount of TIBs for school district employees. For this subsection, school district employees are classified under types: employees working under a written contract based on workdays or months or employees working on an hourly, daily, salaried or other basis. For contract employees the calculations are very simple because the "wages the employee could have been expected to earn" are very predictable. For other employees, the calculations require taking an average to level out the fluctuations in the employee's earnings and the commission has elected to handle this similarly to the way the AWW for a full-time employee who is not a school district employee is calculated (though only pecuniary wages are included in the calculation). The commission selected this method because it provides a well-established methodology for calculating the AWW and will be one which carriers are well familiar.

Prior to the employee reaching maximum medical improvement, subsection (d) allows the AWW to be adjusted to more accurately reflect wages the employee could reasonably expect to earn during the period for which TIBs are paid. Injured employees are allowed to submit evidence of all earnings outside of their school district employment for consideration in the accurate adjustment of their AWW for determining the amount of TIBs. For periods an employee would not have earned wages had the on-the-job injury not occurred, such as during the summer break, insurance carriers may potentially adjust the AWW to zero and no minimum benefit payment may be required.

Subsection (e) establishes the methodology for calculating income benefits other than TIBs. Injured employees may provide wage information from other employers for whom the employee worked in the 12 months immediately preceding the injury for inclusion in the calculation of AWW. Again, additional earnings, such as through a stipend, will be prorated and included in the calculation of the AWW for TIBs (as it will be for other types of benefits). In this subsection, reference to §122.5 is provided for calculating the AWW of a school district acting as a non claim employer.

Subsection (f) allows the injured employee and insurance carrier to enter into a written agreement or request a BRC over the issue of AWW if either believes that the calculations resulting from this rule do not reflect the true AWW. As was the case in §128.1(g), this subsection is important because this rule places requirements on carriers regarding how they are to calculate the AWW and there may be instances where the claimant or carrier wants to challenge the AWW produced under the rule.

Comments regarding the rules as proposed were received from the following groups: Texas Mutual Insurance; Insurance Council of Texas; Flahive, Ogden, and Latson; Texas Association of School Boards; and Research and Oversight Counsel on Workers' Compensation.

All of the groups that provided comments generally supported the rules as proposed. Suggestions for additional clarification, alternate language, and ideas to improve the rules were also received through comments. The Insurance Council of Texas supported the adoption of the rules as proposed.

GENERAL COMMENTS

Introductory Comment: Although all claims involve the employee's AWW, benefits based upon the employee's AWW are sometimes not paid to the employee (such as in a death benefits case). Therefore, the commission has made modifications to the rules approved such that references to action by or toward an employee are now references by or toward the claimant (which includes legal beneficiaries). However, references to the AWW are still the "employee's AWW" because even in the case of death benefits, it is the employee's AWW that benefits are based upon.

Comment: Commenters generally support proposed amended Rules 128.1 and 128.2 and new Rule 128.7 regarding the calculation of AWW and incorporation of the requirements of HB-2600 for determining AWW for the amount of income benefits due for a compensable injury to a school district employee and for determining AWW for the amount of income benefits due for employees with wages from multiple employment. One commenter stated that the new and amended rules track with the language of HB 2600 and the intent of the Texas Legislature.

Response: The commission agrees that the rule should be adopted but also agrees with several suggestions for changes as discussed in other comments.

Comment: Commenter pointed out that unlike the previous rule, amended §128.1 and new §128.7 clearly recognize that AWW is not a one-time calculation. "Rather, it may be modified throughout the claim based upon a variety of factors. So as to reduce disputes, the preamble should recognize that Commission Advisory 96-16 and the referenced Appeals Panel decision, 93683, stating such are expressly overruled."

Response: The commission agrees that the new rules clearly show AWW is not a one-time calculation and agrees that Advisory 96-16 and Appeals Panel 93-683 are only applicable to situations occurring prior to the effective date of this rule.

§128.1

Commission Comment: To clarify subsection (a), the commission split the subsection up so that each course of employment was listed as a separate subsection of (a). The commission also clarified multiple employment by adding a reference to newly adopted subsection (h) of the rule which provides more guidance on multiple employment. In addition, the sentence that discussed various adjustments to the AWW was moved to a new subsection (g) but is functionally the same.

Comment: Commenter supported proposed amendments to §128.1(b) and (c) to provide clarification and provide a reference to the definitions for pecuniary and nonpecuniary wages. However, another commenter felt that the subsection needed clarification on the issue of "per diem" compensation and whether it constitutes a component of the AWW. "The Appeals Panel decisions mostly indicate that it does not constitute a component (see e.g., 931152, 950320, 970578, 972569, 980682, 991126), and the Commissions' intent should be clearly expressed so as to reduce disputes."

In addition, the commenter felt that §128.1(c)(1) needed clarification regarding the issue of mileage reimbursement payments. The commenter noted that in Appeals Panel Decision 92-119 the Appeals Panel found that "In our opinion, the mileage payments paid to appellant constituted payments made by the employer to reimburse appellant for the use of appellant's equipment, i.e., her car, and such payments are not to be included in appellant's wage under the provisions of §128.1(c)(1)."

Finally, the commenter noted that §408.042(e) of the Labor Code does not allow wages that are not reportable for federal income tax purposes to be considered in calculating the AWW of an employee with multiple employment. Since most nonpecuniary wages are not reportable for federal income tax purposes, the commenter suggested that the subsection be modified to create an additional exception addressing this. The commenter suggested that this could be accomplished by adding an additional subsection (c)(3).

Response: The commission agrees that the issues need to be addressed. Regarding the per diem compensation, the commission has modified the rule to specifically exclude reimbursement for employee's expenses directly related to employment such as travel related expenses (i.e. meals, lodging, transportation, parking, tolls, porters, etc.). These expenses are reimbursements for out-of-pocket expenses related to employment and not wages.

The commission has also modified the rule to clearly state that mileage reimbursement up to the state mileage reimbursement rate is not to be included in the AWW. The proposed rule did not exclude all mileage reimbursement because some employees (such as truck drivers) are paid by the mile and the commission did not want to create disputes over this. Thus mileage reimbursement intended to compensate the employee for the use of a personal vehicle or other out of pocket travel expenses (and which is reimbursed consistent with state travel reimbursement policies) shall not be included in the AWW.

Finally, regarding the issue of not including discontinued nonpecuniary wages from a Non-Claim Employer, the commission has modified the rule to exclude those wages which are not reportable for federal income tax purposes from the AWW by reference to Texas Labor Code §408.042(e).

Comment: Commenter was concerned about the fact that §128.1(e) created three separate time frames for taking various actions based upon a change in the AWW. The commenter felt that this would create confusion in the process and could require carriers to make multiple adjustments and payments for a single change. The commenter felt that the subsection should be modified to require all adjustments in benefits to take place within 14 calendar days following the carrier's receipt of the new information. Another commenter echoed these concerns and also suggested that the requirement in §128.1(e)(2) to provide advance notice before adjusting AWW is inconsistent with reporting requirements in §124.2 and suggested referencing the notification required under that rule instead of creating a separate notice.

Response: The proposed rule included three timeframes to address three separate types of actions that can occur when the AWW is adjusted. First, the carrier must correct the AWW to apply to all future payments. The commission proposed making this requirement the first payment due at least seven days after the date the carrier received the information because carriers generally have seven days to take any action regarding income benefits (though exceptions to this exist).

Next, carriers apply the new AWW to any past payments that were affected. In some cases the change in the AWW will only affect future payments of benefits (such as when an employer discontinues providing a nonpecuniary wage after initially continuing to provide it). However, in other cases, the new AWW must be applied retroactively (such as when the carrier used information off the Employer's First Report of Injury to presume the AWW and then receives a properly completed wage statement). In this second case, the carrier may owe the employee additional benefits or it may find that the employee was "over-compensated" and thus the carrier needs to recoup the overage.

Section 128.1(e)(1) provides a time frame for the carrier to pay the employee any additional benefits that were owed when the employee was not receiving benefits at the time that the AWW was adjusted. Obviously requiring the carrier to pay the accrued but unpaid benefits to the employee with the first payment due at least seven days after the date the carrier received the information used to adjust the AWW would not work because there might not be any more payments due to the employee (other than that based upon the adjustment in the AWW). Therefore, it was necessary to specify that in this situation, the carrier is to make the payment within seven days of receiving the information. However, the commission has modified the subsection to make it clearer that it applies when the carrier owes additional money for past benefits but has otherwise suspended benefits.

The commission disagrees that providing advance notice of the pending recoupment is in conflict with the notification requirements under §124.2. Section 124.2 is not an exhaustive list of all notifications required to be filed with employees (or the commission for that matter). However, in light of HB-2511 76th Legislature (which is intended to reduce and/or simplify reporting requirements in the workers' compensation system), the commission believes that the additional reporting would be largely redundant and should be removed. In addition, removing the advance notice requirement also allowed the commission to simplify the timeframes for the carrier to adjust the AWW and take action (which both commenters supported). However, the commission has added a subsection to the rule that references the notification requirements of §124.2 as a reminder to the carrier of its duty to notify the employee and commission of changes in the AWW and their effect on the payment of benefits.

The commission has added language to the subsection to address what the commission will consider as primary and secondary decision making criteria in deciding whether to approve recoupment at levels above that which the rule allows carriers to unilaterally apply. This language is intended to help provide guidance and consistency to the process.

Comment: Commenter suggested changing the time periods in subsection (e) from calendar days to business days. The commenter felt that this would promote "compliance and timely adjustment of AWW following carrier receipt of new information while accounting for weekends and holidays." The commenter also believed that it "is necessary to insert 'business' days into this rule because rule 102.3(f) regarding computation of time specifically excludes Chapters 124 through 139 of this title."

Response: The commission disagrees. Section 102.3(f) only applies to computation of "periods of entitlement to benefits," not due dates for payments. Thus although the periods of entitlement are tied exclusively to the calendar days on which they fall, §102.3(a) allows "due dates" that would not fall on a working day to be extended to the next working day unless otherwise specified (such as in an order).

Comment: Commenter supported the new provision in §128.1(e)(2) to allow a carrier to recover an overpayment of income benefits caused by receipt of new information that changes AWW. The commenter also supported the allowance of a higher percentage of recoupment upon written agreement between the injured employee and carrier because it promotes agreements and may reduce the need for an administrative proceeding to resolve disputes. Finally, the commenter supports the opportunity to request a Benefit Review Conference if disputed issues cannot be resolved by agreement.

Another commenter, however, suggested modifying subsection (e)(2) to allow carriers to recoup overpayments caused by changes in the AWW or payment of benefits based upon a presumed AWW that turns out to be higher than the true AWW at up to 25% of the new benefit amount per week. Though the proposal limited this recoupment to 10% per week, the commenter felt that it would be better to make it 25% because that would be consistent with the 25% reduction allowance for attorney's fees and recouping benefit advances approved by the Commission.

Response: The commission disagrees with the suggested changes. Recoveries of advances, payments of attorney's fees, and recouping overpayments caused by AWW adjustments are cumulative, allowing carriers to unilaterally recoup overpayments due to AWW adjustments at a rate higher than 25% could result in the employee's benefits being reduced by half or more. While employees will usually know in advance about reductions caused by attorney's fees or advances, they may not be so prepared for recoupments caused by AWW adjustments. However, the commission does agree that if there are no other recoupments occurring that it would be appropriate to allow carriers to recoup at up to 25% of the new benefit rate and has modified the rule to do so. In addition, as noted, the commission has modified the rule to provide guidance on what the commission will consider when determining whether to allow recoupment at a rate higher than that which the rule allows the carrier to unilaterally apply.

Comment: Commenter strongly supported the addition of the provisions of §128.1(e)(2) allowing recoupment under related to adjustments in AWW. However, commenter felt that the 10% limitation should be reserved for recoupment during the TIBS period. "If there is any additional recoupment due during the IIBS period, the carrier should be allowed to recoup the remaining amount by dividing the amount left to be recouped by the number of weeks left of the IIBS period and reduce accordingly, as in the current practice. The overpayments under this section are the result of misinformation provided to the carrier by either the claimant or the employer. Further, IIBS are not wage replacement benefits, and the claimant is in the best position to know whether he is being overcompensated. Therefore, the rule should further the Commission's stated goal that the parties are due what they are due, nothing more and nothing less."

Response: The commission disagrees. With the change that allows carriers to unilaterally recoup at 25% rather than 10% in most circumstances (i.e. when there is no advance or attorney's fees being recouped as well), the likelihood of not recouping the overpayment is greatly lessened. It is worth noting that the amounts that are to be recouped under this rule are going to be a percentage of each prior payment. The recoupment language in this rule does not address the situation where carriers are attempting to recoup whole weeks of benefits that were improperly paid to employees (and thus more likely to be substantial amounts).

While IIBs are not intended as wage replacement, some employees are still unable to work once they reach MMI and thus may well be using these benefits as wage replacement.

§128.2

Comment: Commenter believed that limiting the presumption that an employee's AWW for the timely initiation of income benefits specified in §128.2(a) to the employer's last payment to the employee for services based on a full week's work will result in unnecessary overpayments and underpayments. The commenter felt that alternative methods that allow flexibility are needed for many types of employment to ensure that the AWW calculation for the initiation of income benefits is fair, just and reasonable. The commenter suggested that the carrier be allowed to use the methods provided for in subsection (b) and (c) of the rule or the hourly rate multiplied by the average number of hours in the employee's standard work week to initiate the benefits and provided suggested language to that effect.

Response: The commission agrees in part. The subsection should permit the carrier to use hourly wage and average hours worked information to presume the AWW and timely initiate benefits. This information is often provided on the Employer's First Report of Injury while the amount of the last paycheck often is not. Further, the last paycheck is often for a period of more than a week and this makes it more complicated for the carrier to correctly presume the AWW. Finally, employers often report the last paycheck as a "net amount" while the AWW is a "gross amount." Therefore, use of the hourly wage and average hours information should produce a presumed AWW that is closer to the true AWW than using the last paycheck. Therefore the commission has modified the subsection to give preference to the hourly wage and average hour methodology over the last paycheck methodology.

However, the commission disagrees that the rule needs to be modified to reference the AWW calculation methods described in subsections (b) and (c) for presuming the AWW for timely initiation of benefits. Section 128.1(a) is intended to cover the period after the carrier has received first written notice of the injury but has yet to receive the employer's wage statement. Therefore the methods described in subsections (b) and (c) could be applied (as they require something like an incomplete wage statement). Further, the existing language permits this to occur (should the information be available).

Comment: Commenter supported the addition of alternative methods for the carrier to determine an accurate average weekly wage described in subsections 128.2 (b) and (c) that is fair, just, and reasonable, and allows for the closest approximation of a calculation of average weekly wage based on a 13 week average, characterizing them as "excellent examples".

Response: The commission agrees.

Comment: Commenter suggested that §128.2(c)(3) needs to be clarified so that it is not construed as being inconsistent with Appeal No. 001778 or 982734. These appeals panel decisions had to do with cases where the employee's wages during the 13 weeks prior to the date of injury varied significantly. In 001778, the reason for the variability was within the control of the employee. The employee was employed by a temporary service for the 13 weeks prior to the injury but did not work every week of those 13 because he did not call the employer or called late in the day or week such that an assignment could not be made. The Appeals Panel determined that the hearing officer did not err in simply adding the wages earned during the 13 weeks and dividing by 13. The "just and fair" method is not applicable where the irregularity of the claimant's employment in the 13-week period was a result of his not having made himself available for assignments. Likewise, in Appeal No. 982734, the Appeals Panel held that where the employee's job (as a painter of water towers) and wages are irregular by their very nature, the average weekly wage is to be calculated by simply dividing the actual wages by 13 weeks, rather than utilizing a fair, just, and reasonable basis. In such case, the irregular hours are not beyond the control of the employee, but were as the result of his deciding to work in that particular field and the job is defined in terms of its irregular nature.

The commenter felt that to allow an employee in either of these situations to divide the earnings during the 13 week period by the weeks actually worked would result in unjust enrichment where the claimant would have an average weekly wage greater than he would have ever made in a similar 13 week period. Rather, as noted by the Appeals Panel in 982734, the general method is to be used unless "the actual wages are not representative of the claimant's 'true earnings' due to factors beyond the claimant's control."

Response: The commission agrees in part. However, §128.2(c)(3) covers the situation where the employee had not been employed for 13 weeks when the injury occurred not the situation that the commenter was concerned about. Therefore the commission has clarified the subsection to this effect.

Comment: A commenter pointed out that sometimes carriers request and/or receive wage statements prior to the date the employee becomes entitled to IIBs and suggested that carriers should not have to re-request the wage statement under §128.2(e) pointing out that this would help carriers obtain the information earlier and improve accuracy of benefit delivery.

Another commenter suggested more significant changes. The commenter suggested that instead of adopting the additional notification requirement in §128.2(e) for the carrier to notify the employer of an employee's entitlement to impairment income benefits and request for a wage statement, the Commission should streamline reporting requirements by collaborating with system participants to identify efficiencies to help achieve paper reduction goals established by HB 2511. The commenter felt that there are confusing and redundant reporting requirements associated with the employee reaching MMI.

The commenter specifically suggested that the commission delete the proposed notification requirement or clarify the carrier's reporting requirements to all system participants upon carrier receipt of the first certification of maximum medical improvement and employee's entitlement to impairment income benefits. The commenter provided a number of examples of the types of perceived conflicts.

The commenter also suggested a number of changes to commission forms and letters. Finally, the commenter wanted the commission to clarify what constitutes notice to the employer of the employee's entitlement to impairment income benefits and request for a wage statement asking whether verbal notification is sufficient or if written, electronic or notification by facsimile is required.

Response: The commission agrees that if the carrier had received the wage statement prior to the employee becoming entitled to IIBs that the carrier is not required to notify the employer of the employee's entitlement to IIBs. However, after reviewing this comment and the proposed rule, the commission believes the notification requirements were incomplete and has modified the rule further.

The purpose of the wage statement is to provide the carrier the information necessary to pay income or death benefits in the correct amount. There are two situations in which it is reasonable to assume that the employer should know that a wage statement is required, when the employee has eight days of disability due to the compensable injury or the employee dies as a result of the compensable injury. However, it may be that an employee has already separated employment by the time the indemnity benefits accrue (whether IIBs or another type). Therefore, this subsection has been changed to require notification to the employer the first time any income or death benefits accrue rather than simply IIBs (unless one has been received by the carrier).

Regarding the type of notification that is required, carriers can notify employers about the accrual of benefits in writing or orally. However, per §102.4(i) of this title (relating to General Rules for Non-Commission Communications) the carrier is required to document the means and date of the notification in their adjuster or claim notes.

While the commission does agree that a number of forms and notices and various reporting requirements related to IIBs may need to be reviewed and simplified, those requirements are primarily in different chapters of this title and the commission cannot modify them at this time. However, regardless of the possible need for future changes in other rules, it is important to address in §128.2 the situation where the employee accrues entitlement to IIBs and ensure that the carrier has a wage statement because the employer was not required to file one (as was the case under the old rule).

Comment: Commenter supported §128.2(f) that allows the carrier and injured employee to enter into an agreement on AWW or request a benefit review conference. The new subsection promotes an alternative to dispute resolution and a remedy when resolution cannot be reached.

Response: The commission agrees.

Comment: Commenter noted that the burden of proof is always on the claimant to establish his AWW (Appeal No 000105 and Texas Employers' Insurance Association v. Bragg , 670 S.W.2d 712 (Tex. App.- Corpus Christi 1984, writ ref'd n.r.e.)), and suggested that §128.2(f) be clarified "to reflect this point of law so as to reduce confusion or construction that the burden is somehow on the carrier to rebut some sort of presumption created by this rule."

Response: The commission agrees that the burden of proof is on the employee to establish the AWW but disagrees that subsection 128.2(f) should be changed as suggested. The rule does not define the AWW. Rather, it explains what carriers must do to remain in compliance while providing carriers and employees with an ability to either come to an agreement or go to the commission for assistance if either believes that complying with the rule produced a result that is not appropriate.

Comment: Commenter was concerned about situations in which employers indicate that the employee is continuing to receive health insurance (which is a nonpecuniary wage) and then the employer discontinues it (possibly due to a termination of employment). The commenter's concern relates to the fact that the AWW is lower while the nonpecuniary wages are continued (per Texas Labor Code §408.045 which prohibits including in the AWW any nonpecuniary wages during a period in which they are continued) than it would be when the wages are discontinued.

The commenter claimed that it is common for carriers to not adjust the AWW upwards when the employer discontinues providing the nonpecuniary wages (essentially because the employer fails to notify the carrier of the change as required by commission rule). The commenter felt this was particularly unreasonable when the carrier is a self-insured employer because the carrier should know if the employee was fired or the benefits otherwise discontinued.

The commenter suggested modifying the rule to state that the carrier may not reduce the claimant's workers' compensation benefits by the value of the health insurance beyond a set period of time (possibly 3-6 months) unless the employer affirmatively states that fringe benefits have been continued.

Response: The commission agrees that minor modifications are necessary to address the commenter's concerns but disagrees with the suggestion that the employer should be required to affirm that the health insurance will continue to be provided for a specific period of time as this could conflict with employment laws.

Employers filing wage statements are already required to state whether they are continuing to provide nonpecuniary wages. Commission rules require the employer to report any changes in the information submitted on a prior wage statement. However, the commission has clarified this requirement by adding an example in §120.4. But, if the reason that the employer is discontinuing the benefit is because the employee no longer works for the employer, the employer reports that under §120.3 (relating to Employer's Supplemental Report of Injury) and thus the carrier would know to make the adjustment.

To the extent that the commenter's concerns are caused by the employer's noncompliance with reporting requirements they should be addressed by the compliance and practices division of the commission. However, the commission has modified §128.2 to provide that if the employer does not indicate whether the nonpecuniary wages will be continued, the carrier is to either assume that they are not being continued (and thus are included in the AWW) or contact the employer for clarification.

§128.7

Comment: Commenter supported proposed §128.7 that incorporates the provisions of HB 2600 to add rules for the calculation of average weekly wage for employees of a school district injured after 12/1/2001. The commenter specifically supported subsection (d) for the timely and appropriate adjustment of AWW based on evidence of earnings without the requirements of a time consuming administrative or approval process and believe the new proposed subsection satisfies the intent of HB 2600 to reduce or prevent underpayments and overpayments. In addition, the commenter supported subsection (f) to allow the carrier and employee to enter into a written agreement regarding the AWW or request a benefit review conference if an agreement cannot be reached and a dispute remains unresolved.

Response: The commission agrees.

Comment: Commenter suggested that the commission should work with the Texas Department of Insurance to ensure the current Detailed Claim Information (DCI) Statistical Plan edit requiring the minimum weekly income benefit be eliminated as a result of HB 2600 and possible adjustment of AWW resulting in a payment of income benefits below the minimum threshold for an employee of a school district. The commenter also felt that the commission should make sure the Texas EDI Implementation Guide is updated and edits do not prohibit submission of AWW information below the established minimum limits for this special exception.

Response: Reporting the adjustments under this section are essentially the same as those that carriers have reported for years when making similar adjustments for seasonal employees.

Comment: Commenter suggested modifying subsection (b) to reference "temporary income benefits" rather than just "income benefits" as proposed. The commenter pointed out that the statute uses the definition of "wages earned in any given week" for determining the average weekly wage for purposes of temporary income benefits only.

Response: The commission agrees and has made the change as suggested. However, proposed subsection (e)(1) referenced proposed subsection (b) as a definition of "wages." With the change made as a result of the comment's suggestion, the reference in subsection (e)(1) is no longer accurate and thus subsection (e) was modified to clarify that the AWW for a school district employee can only include pecuniary wages.

Comment: Commenter indicated that stipends are already included in the value of the term contract and gross wages and felt that the proposed language regarding stipends could lead to confusion in cases where a stipend is prospective only. "For determining benefits, a carrier must look at what happened in the past. For example, an employee may be able to receive an additional stipend if the employee participates as a band booster but that employee never did so in the past and is not signed up to participate at the time of injury. This language would require that the carrier include the value of that prospective stipend even though the employee likely would not have received it even if on the job. Thus, only stipends received or that the employee was under written contract to receive at the time should be included.

Further, Labor Code §408.0446(a) provides that wages are equal to what would be 'deducted from an employee's salary' (emphasis added). If the stipends are not included in the employee's salary at the time of the injury and would not have been deducted if the employee was absent without personal leave, they should not be included in the AWW." The commenter felt that although, subsection 408.0446(b) does address adjustments of wages based on reasonable expectations of earnings, "the intent of that subsection was to codify seasonal employee adjustments during periods of non-employment with the district that were allowed prior to the addition of section 408.0446." Therefore the commenter suggested either deleting the proposed language referencing "any stipend the employee was scheduled to receive" or, in the alternative, change it to reach "any stipend the employee was earning at the time of the injury.

Response: The commission disagrees. The employee's salary includes both the stipends that the employee was earning at that time of the injury and the stipends that the employee was scheduled to receive after the injury. All stipends should be included in the employee's written contract but if the employee is not scheduled to receive the stipend until after the employee was injured that amount should still be included in the employee's salary.

The reference to "stipends the employee was scheduled to receive" in the rule was intended to incorporate §408.0446(b) which provides carriers with the authority to adjust the AWW as often as necessary to reflect the wages the employee reasonably could expect to earn during the period for which TIBs are paid. If the employee was to receive a stipend after the date of injury, then that should be considered as "wages the employee reasonably could expect to earn." As a clarification the commission has added to subsection (c)(1) "any stipend the employee was earning or scheduled to receive."

Comment: Commenter asked whether the procedure outlined in TWCC Advisory 93-9 regarding "Instructions for Adjustment to Average Weekly Wage for Seasonal Employees During the Temporary Income Benefit Period" is applicable when making adjustment to the Average Weekly Wage for an employee of a school district pursuant to §128.7(d).

Response: Advisory 93-09 does not apply to seasonal adjustments of the AWW for school district employees while the employees are entitled to TIBs (i.e. prior to MMI).

Comment: Commenter was concerned that subsections (e)(2) and possibly (d)(2) apply the multiple employment provisions of HB-2600 more broadly than the commenter believed the bill intended. The commenter opined that the addition of §408.0446(b) to the Texas Labor Code was designed to address two issues (neither of which was multiple employment). The commenter stated that the intent of the subsection was to address: "the disparate treatment between employees on a nine-month contract versus a 12-month contract by basing the AWW on wages earned rather than paid" and to allow the adjustments for seasonal employment without the need to request Commission approval (as is required for all other seasonal adjustments).

Commenter felt that there were several legal and practical problems with the proposed language applying the multiple employment provisions of HB-2600 to school district employees:

First, the commenter felt that §408.0446(a) specifically defines what the average weekly wage for TIBs must be and does not include wages from other employers in establishing the initial AWW. "Since §408.0446(a) specifically sets forth what the initial AWW for TIBs must be for school district employees, the general multiple employment provisions, which set the initial AWW in cases of concurrent employment, do not apply to TIBs for school district employees. The provision in subsection (b) of the statute to allow for adjustments applies to seasonal adjustments for periods of non-employment with the claim employer (an issue that is separate and apart from multiple employment). Thus, other employer wages would only be considered in the off-season, the summer in the case of school district employees."

Second, the commenter noted that §408.0446(c) provides that for benefits other than TIBs, the AWW will be "the total amount of wages earned by the employee during the 12 months immediately preceding the date of the injury" divided by 50 and asked whether this would include other employers or would it only include other employers if the multiple employment provisions in section 408.042 apply.

Third, the commenter was concerned that the time periods on which to establish the AWW are not consistent between the two provisions. In the multiple employment provisions, wages for 13 weeks prior to the injury are applied, whereas in the school district employee provision relating to benefits other than temporary income benefits wages for 12 months are to be considered (the AWW for TIBs is specified in the statute and includes only school district wages).

Fourth, the commenter noted that the multiple employment provisions in HB-2600 are not effective until July 1, 2002, while proposed 128.7 would appear to make them effective for injuries on or after December 1, 2001. This, the commenter felt was not the intent of the Legislature.

Finally, the commenter asked whether the reimbursement provision relating to multiple employment (meaning reimbursement for of the portion of benefits paid as a result of multiple employment from the Subsequent Injury Fund) would apply to school district employees with dates of injury on or after December 1, 2001 (since HB-2600 specifies that the general multiple employment provisions, including the reimbursement mechanism, only apply to injuries on or after July 1, 2002). Another commenter also suggested that the issue should be revisited.

Response: The commission agrees that the rules should be clarified. However, the commission disagrees with that HB-2600 intended to exclude school district employees from the provisions of §408.042. While HB-2600 contained provisions specific to both school district employees and employees with multiple employment, those provisions were originally contained in separately filed bills. HB-2126, the origin of the provisions relating to school district employment, was filed in the 77th Texas Legislative Session. The provisions relating to multiple employment originated in HB-2612, which was also filed in the in the 77th Texas Legislative Session.

It is clear from the language of §408.042 that it was intended to apply to all employees, including school district employees, who were injured on or after July 1, 2002, and were employed by more than one employer on the date of injury. The language creates a methodology for calculating the AWW from each of the employers and then adding them together.

The method for calculating the AWW for an employee with multiple employment is to first calculate the AWW for the "Claim Employer" in accordance with whatever rule (§128.3 to §128.7) is applicable to the employee's course of employment with that employer. Then the AWW for the Non-Claim Employer(s) is calculated in accordance the provisions of §408.042 (which means only using those wages that are reportable for federal income tax purposes).

Thus in the case of a school district employee, the carrier would calculate the AWW from the school district employment in accordance with §128.7 and then add it to the AWW that comes from the other employment. To clarify this, the commission has modified §128.7. The new language clarifies that §128.7 applies to the portion of the AWW that is related to the employee's employment with the school district. Because of the change to Texas Labor Code §408.042, this language should be understood to be implied in §128.3 though §128.6.

Beyond that, the commission has added more explicit language regarding the portion of the AWW that comes from the employment with the Non-Claim Employer(s) in §128.1 in order to clarify the methodology.

The most difficult aspect of calculating the AWW for an employee with multiple employment relates to the employee whose AWW at the claim employer is different for TIBs than it is for other types of income benefits. For example, the non-TIBs AWW for seasonal employees is based upon the wages earned in the 12 months prior to the injury. The new language in §128.1 includes guidance for these situations and explains that the portion of the AWW for the Non-Claim Employer is always calculated the same way and is not modified once it is correctly calculated. At the same time, the rule explains that the portion of the AWW that is not related to multiple employment is calculated using the rule that would be used if the employee did not have multiple employment.

Comment: Commenter suggested that the claimant be required to submit evidence of earnings under §128.7(d)(2) and (e)(2) within 30 days because leaving the timeframe open "could result in ongoing underpayments that will have to be corrected later at increased carrier cost and penalties." The commenter suggested adding the following sentence to §128.7(d)(2): "A school district employee may request adjustments by submitting evidence of earnings to the carrier within 30 days of receiving the Employer's Wage Statement."

The commenter also suggested that if the multiple employment rule applies to school district employees, then the timeframe for filing a Multiple Wage Statement should apply.

Response: As noted in response to similar comments relating to the adoption of §122.5, the commission disagrees. Employees may have difficulty obtaining wage information and to put a limit on the amount of time the employee has to submit the information might punish the employee for the inactions of the non-claim employer (who is not required by statute to provide the information). It may turn out that the employee is only able to obtain the information from the Texas Workforce Commission (TWC). According to their process, wage reports are filed quarterly and subsequently loaded into database files where wage reports for given individuals are generated. Based on their schedule, a considerable amount of time, potentially six months, between the time the wages are earned and the time that a wage report reflecting the needed earnings can be generated.

If a carrier receives a late wage statement that proves that the AWW that the carrier has been using to pay benefits is too high, the carrier is not prevented from using this new information even though the employer was in noncompliance by failing to timely file the report. Putting a limit on the amount of time the employee has to report the wages from a non-claim employer while not putting such a limit on a claim employer would result in an unwarranted double standard.

Comment: Commenter asked for direction in the rule on how the stipend provided for in HB-3343 granting participating school district employees a cash stipend for health benefits should be considered when calculating Average Weekly Wage.

Response: Even though the purpose of the HB-3343 is to enable the employee to purchase health insurance (which if provided directly to the employee by the employer would be a nonpecuniary wage), because the benefit is paid in the form of money, it is a pecuniary wage. Therefore, for TIBs, the HB-3343 benefit should not be considered part of the AWW unless it would be deducted from the employee's salary if the employee were absent from work. For all other benefits, it would be included in the calculation of the AWW as if it was paid during the 12 months immediately preceding the date of injury.

The amendments and new rule are adopted under: the Texas Labor Code §402.061, which authorizes the commission to adopt rules necessary to administer the Act; the Texas Labor Code §401.011, which contains definition used in the Texas Workers' Compensation Act; the Texas Labor Code §401.024, which provides the commission the authority to require use of facsimile or other electronic means to transmit information in the system; the Texas Labor Code §402.042, which authorizes the Executive Director to enter orders as authorized by the statute as well as to prescribe the form and manner and procedure for transmission of information to the commission; the Texas Labor Code §406.010, which authorizes the commission to adopt rules regarding claims service; the Texas Labor Code §§408.041 - 408.047 which govern calculation of the average weekly wage; (including §408.0446, as adopted by the 77th Texas Legislature, which allows the commission to adopt rules as necessary regarding the calculation of average weekly wage for school district employees and §408.042, as amended by the 77th Texas Legislature, which authorizes the commission to determine, by rule, the manner by which wage information for multiple employment is collected and distributed); the Texas Labor Code §408.063 which provides for wage presumptions; the Texas Labor Code §408.121 which specifies when an employee becomes entitled to impairment income benefits; the Texas Labor Code §409.023 which requires carriers to pay benefits as and when they accrue; and the Texas Labor Code §415.0035 which establishes administrative violations for repeated administrative violations. The amendments and new rule are adopted under: the Texas Labor Code §402.061, §401.011 §401.024, §402.042, §406.010, §§408.041 - 408.047, §408.063, §408.121, §409.023, §415.0035.

§128.1.Average Weekly Wage: General Provisions.

(a) The average weekly wage (AWW) calculation for an injured employee (employee) shall be calculated depending on whether the employee was employed in one of the following five courses of employment:

(1) full-time (see §128.3 of this title (relating to Average Weekly Wage Calculation for Full-Time Employees, And For Temporary Income Benefits For All Employees));

(2) part-time (see §128.4 of this title (relating to Average Weekly Wage Calculation For Part-Time Employees));

(3) seasonal (see §128.5 of this title (relating to Average Weekly Wage Calculation for Seasonal Employees));

(4) school district employed (see §128.7 of this title (relating to Average Weekly Wage for School District Employees)); and

(5) multiple employment (see Texas Labor Code §408.042 and subsection (h) of this section).

(b) Except as provided by §128.7, an employee's wage, for the purpose of calculating the AWW, shall include:

(1) all pecuniary wages (as defined by §126.1 of this title (relating to Definitions Applicable to All Benefits)) paid by the employer to the employee even if the employer has continued to provide the wages after the date of injury (in which case these wages could be considered post-injury earnings under §129.2 of this title (relating to Entitlement to Temporary Income Benefits)); and

(2) all nonpecuniary wages (as defined by §126.1 of this title) paid by the employer to the employee prior to the compensable injury but not continued by the employer after the injury (though only during a period in which the employer has discontinued providing the wages).

(c) An employee's wage, for the purpose of calculating the AWW, shall not include:

(1) payments made by an employer to reimburse the employee for the use of the employee's equipment, for paying helpers, for reimbursing actual expenses related to employment such as travel related expenses (e.g. meals, lodging, transportation, parking, tolls, and porters), or reimbursing mileage up to the state rate for mileage; or

(2) any nonpecuniary wages continued by the employer after the compensable injury. However, except as provided by §128.7 of this title and Texas Labor Code §408.042(e), if the employer discontinues providing nonpecuniary wages, the AWW shall be recalculated and these discontinued nonpecuniary wages shall be included.

(d) The AWW shall be calculated using gross wages.

(e) If a carrier determines or is notified that the employee's AWW is different than what the carrier had previously determined (either as a result of subsection (c)(2) of this section, receipt of an updated wage statement, or by operation of other adjustments permitted/required under this title), the carrier shall adjust the AWW and begin payment of benefits based upon the adjusted AWW no later than the first payment due at least seven days following the date the carrier receives the new information regarding the AWW.

(1) If, as a result of the change, the carrier owes additional benefits to a claimant for benefits previously paid at a lower AWW but the carrier is not currently paying indemnity benefits, the carrier shall make payment in this amount within seven days of the date the carrier received the new information.

(2) If, as a result of the change, the carrier finds that it has overpaid benefits to a claimant, the carrier may recoup the overpayment as follows:

(A) If the claimant's benefits ARE NOT concurrently being reduced to pay approved attorney's fees or to recoup a commission approved advance, the carrier may recoup the overpayment under this subsection in an amount not to exceed 25% of the benefits the claimant is entitled to based upon the new AWW.

(B) If the claimant's benefits ARE concurrently being reduced to pay approved attorney's fees or to recoup a commission approved advance, the carrier may recoup the overpayment under this subsection in an amount not to exceed 10% of the benefits the claimant is entitled to based upon the new AWW.

(C) If the carrier wishes to recoup the overpayment in an amount greater than that permitted by this subsection, the carrier may attempt to enter into a written agreement with the claimant or, if unable to do so, contact the commission. In determining whether to approve an increase in the recoupment rate, the primary factor the commission will consider is the likelihood that the entire overpayment will be recouped. The rate should be set such that it is likely that the entire overpayment can be recouped. The commission may also consider the cause of the overpayment and the financial hardship that may reasonably be created for the claimant.

(f) The carrier shall provide notice to the employee and the commission of any adjustments to the AWW and its affect on benefits in accordance with the requirements of §124.2 of this title (relating to Carrier Reporting and Notification Requirements). In addition, if the carrier elects to recoup an overpayment under subsection (e) of this section, the carrier's notice to the employee shall identify the amount that was overpaid.

(g) Additional adjustments to the AWW may be made in specific circumstances for seasonal employees and school district employees (see §128.5 and §128.7 of this title, respectively), and for employees who are also minors, apprentices, trainees, or students on the date of injury (see §128.6 of this title (relating to Average Weekly Wage Adjustment For Certain Employees Who Are Also Minors, Apprentices, Trainees, or Students)).

(h) For employees injured on or after July 1, 2002, who are employed by more than one employer on the date of injury and the employee submits the wage information from the other employer(s) in the form and manner prescribed by §122.5 of this title (relating to Employee's Multiple Employment Wage Statement), the carrier shall calculate the AWW using the wages from all the employers in accordance with this section. The employee's AWW shall be the sum of the AWWs for each employer.

(1) The portion of the AWW that is based upon employment with the "Claim Employer" (as the term is defined in §122.5 of this title) shall be calculated in accordance with the rule in this chapter which would be used to calculate the employee's AWW if the employee did not have multiple employment.

(A) This portion of the AWW may be different for calculating Temporary Income Benefits (TIBs) than it is for calculating other types of benefits as provided in other sections of this title (such as where the wages may be adjusted for a part-time employee under §128.4 of this title).

(B) This portion of the AWW shall be adjusted if the Claim Employer discontinues providing a nonpecuniary wage that the employer had previously continued after the date of injury.

(2) The portion of the employee's AWW based upon employment with each "Non-Claim Employer" (as the term is defined in §122.5 of this title) shall be calculated in accordance with §128.3 of this title (relating to Average Weekly Wage Calculations for Full-Time Employees, and for Temporary Income Benefits for All Employees) except that the employee's wages from the Non-Claim Employer(s) shall only include those wages that are reportable for federal income tax purposes.

(A) This portion of the AWW of an employee whose employment was limited by the Non-Claim Employer to less than full-time but whose employment was not so limited as a regular course of conduct shall be adjusted to the weekly wage level the employee would have attained by working a full-time workweek at the employee's average rate of pay.

(B) Once calculated correctly, the portion of the AWW based upon employment with the Non-Claim Employer(s) does not vary by benefit type.

§128.2.Carrier Presumption of Employee's Average Weekly Wage.

(a) An insurance carrier (carrier) shall promptly initiate the payment of income benefits as required by the Workers' Compensation Act (Act). To expedite payment, the carrier shall presume that multiplying the employee's hourly rate times the average number of hours in the employee's standard work week, or, if such information is not available, that the employer's last payment to the employee for personal services based on a full week's work (a partial work week shall be prorated for a full week) accurately reflects the employee's average weekly wage (AWW) until:

(1) the employer files a complete wage statement required by §120.4 of this title (relating to Employer's Wage Statement); or

(2) the correct AWW is determined by other evidence (such as that described in subsections (b) and (c) of this section), if the employer does not file a complete wage statement or if the employee files an Employee's Multiple Employment Wage Statement in accordance with §122.5 of this title (relating to Employee's Multiple Employment Wage Statement).

(b) In the absence of a properly completed wage statement, the carrier shall calculate the correct wage by using available wage information in a manner which is fair, just, and reasonable, and which involves a methodology that allows the closest approximation of a calculation based upon a 13 week average as required by this chapter (for example, pecuniary wages would be included regardless of whether the employer continues them and earnings after the date of injury would not be included). Subsection (c) of this section provides examples of how to do this.

(c) This subsection provides a non-inclusive list of methods that carriers can use to calculate the correct AWW using evidence other than a complete wage statement. There may be other, similar but unlisted methods that are also appropriate in a given situation.

(1) For a salaried employee, paid on monthly or semi-monthly basis, whose salary has not changed in the 13 weeks prior to the compensable injury, the carrier may presume that the AWW is equal to 3 months of wages divided by 13.

(2) For an employee on whom the carrier receives 14 weeks of wage information but is unable to identify the amount of the wages paid in the 14th week (thus leaving 13 usable weeks), the carrier may presume that the AWW is equal to the 14 weeks of wages divided by 14.

(3) For an employee on whom the carrier receives less than 13 weeks of wage information because the employee was not employed with the employer for 13 weeks prior to the injury, the carrier may presume that the AWW is equal to the amount of wages paid divided by the number of weeks for which the wages were earned.

(d) Upon receipt of a properly completed wage statement the carrier shall recalculate the AWW in accordance with the applicable rule(s).

(e) If, at the time that income or death benefits first accrue, the carrier has not received a complete wage statement as required by §120.4 of this title (relating to Employer's Wage Statement), the carrier shall notify the employer that the wage statement is now required under the Statute and Rules.

(f) If a carrier receives a wage statement that indicates that the employee was provided nonpecuniary wages prior to the date of injury but that does not indicate whether the employer is going to continue them or not, the carrier shall assume that the nonpecuniary wages are not being continued by the employer until and unless the carrier is able to verify that the nonpecuniary wages are being continued by the employer.

(g) In the event that the claimant or the carrier believes that the AWW computed by following the calculations in this rule does not reflect the true AWW, the claimant and carrier may enter into a written agreement on the AWW or request a benefit review conference.

§ 128.7.Average Weekly Wage for School District Employees.

(a) This rule applies only to school district employees injured on or after December 1, 2001. The calculations in this rule apply to the portion of the employee's average weekly wage (AWW) based upon the employee's employment with the school district where the school district is the "Claim Employer" as that term is used in §122.5 of this title (relating to Employee's Multiple Employment Wage Statement). The AWW of a school district employee injured before December 1, 2001, is computed using the law and commission rules in effect on the date of the injury.

(b) For determining the amount of temporary income benefits of school district employees under Texas Labor Code Chapter 504, the AWW is computed on the basis of wages earned in a week. "Wages earned in a week" are equal to the amount that would be deducted from an employee's salary if the employee were absent from work for one week and the employee did not have personal leave available to compensate the employee for lost wages for that week. For this calculation "wages" includes only pecuniary wages.

(c) For determining the amount of temporary income benefits of a school district employee, the AWW shall be computed as follows.

(1) For a school district employee working under a written contract with the school district, the AWW shall be computed by dividing the amount the employee would have been paid had the employee fully completed the terms of the contract (including any stipend the employee was earning or scheduled to receive under the contract) by:

(A) the number of days that the employee was required to work under that contract and multiplied by five (if the contract has specified the number of work days); or

(B) the number of months that the contract was to cover and then dividing the result by 4.34821.

(2) For a school district employee who is employed on a non-written contract basis (i.e. hourly, daily, salaried, or other basis), the AWW shall be computed by dividing the total gross wages earned in the previous 13-week period immediately preceding the date of injury by 13.

(d) The AWW for computing temporary income benefits may be increased or decreased to more accurately reflect wages the school district employee reasonably could expect to earn during the period for which temporary income benefits are paid.

(1) An insurance carrier (carrier) may adjust the AWW based on evidence of earnings.

(2) A school district employee may request adjustments by submitting evidence of earnings to the carrier.

(3) For a period a school district employee would not have earned wages, the AWW may be adjusted to zero and no minimum benefit payment may be required.

(e) For determining the amount of impairment income benefits, lifetime income benefits, supplemental income benefits, or death benefits, the AWW shall be computed in accordance with this subsection using only pecuniary wages.

(1) The carrier shall add together the total wages earned by the school district employee during the 12 months immediately preceding the injury and dividing the result by 50 weeks.

(2) If the school district employee provides wage information from other employers for whom the employee worked in the 12 months immediately preceding the injury, these wages shall be included in the calculation of the AWW. Note that for injuries on or after July 1, 2002, the effect of wages from a Non-Claim Employer (as the term is defined in §122.5 of this title (relating to Employee's Multiple Employment Wage Statement)) on the employee's AWW is governed by §128.1(h)(2) of this title (relating to Average Weekly Wage: General Provisions).

(f) In the event the school district employee and/or carrier believes that the AWW computed based on the calculations in this rule does not reflect the true AWW, the employee and carrier may enter into a written agreement regarding the AWW or request a benefit review conference.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on April 26, 2002.

TRD-200202620

Susan Cory

General Counsel

Texas Workers' Compensation Commission

Effective date: May 16, 2002

Proposal publication date: November 30, 2001

For further information, please call: (512) 804-4287


Chapter 134. BENEFITS--GUIDELINES FOR MEDICAL SERVICES, CHARGES, AND PAYMENTS

Subchapter A. MEDICAL POLICIES

28 TAC §134.1

The Texas Workers' Compensation Commission (the commission) adopts amendments to §134.1, concerning use of the medical fee guidelines without changes to the proposed text published in the December 28, 2001 issue of the Texas Register (26 TexReg 10785). The amendment is adopted to make §134.1 consistent with other commission rules.

As required by the Government Code §2001.033(1), the commission's reasoned justification for this rule is set out in this order which includes the preamble, which in turn includes the rule. This preamble contains a summary of the factual basis of the rule, a summary of comments received from interested parties, names of those groups and associations who commented and whether they were for or against adoption of the rule, and the reasons why the commission disagrees with some of the comments and proposals.

No changes were made to the proposed rule in response to public comment received in writing and at a public hearing held on January 24, 2002.

Since adoption of previous §134.1 a number of changes to the commission's fee guidelines have been adopted. As a result, the references in §134.1 to the Medical Fee Guidelines, the Pharmaceutical Fee Guidelines, and the Hospital and Ambulatory Surgical Center Fee Guidelines have become outdated. Subsections (c), (d), and (e) are deleted to remove the outdated references. Because information regarding the applicability of the various fee guidelines is contained in the fee guidelines themselves, it is not necessary to include this information in §134.1.

In addition, the language "using the codes from" in subsection (b) has been replaced with "in accordance with" because the fee guidelines will not necessarily contain coding information within the text of the guidelines. In subsection (f), the citation to the Workers' Compensation Act has been updated to reflect the appropriate Texas Labor Code citation.

Comments generally supporting the proposed amendment to §134.1 were received from the Insurance Council of Texas.

Comments generally opposing the proposed amendment to §134.1 were received from the Texas Chiropractic Association.

Comments with general recommendations to proposed §134.1 were received from EMPI, Inc.

Summaries of the comments and commission responses are as follows:

COMMENT: Commenters provided opinions on items and issues not relevant to this rule proposal.

RESPONSE: The commission acknowledges commenters' opinions and issues; however, the comments are outside the realm of this rule proposal and addressed in other commission rules.

COMMENT: Commenter supported the amended rule proposal stating it served as a necessary "clean up" to the existing rule.

RESPONSE: The commission agrees with commenters' support of proposed §134.1 regarding Use of the Fee Guidelines.

COMMENT: (b) Commenter advised that the first part of the statement is a truncated communication of the wording in Texas Labor Code 408.021, and is therefore believed to be insufficient to communicate the intended purpose.

RESPONSE: The commission disagrees that the first part of the statement in rule 134.1(b) is a truncated communication of the wording the Texas Labor Code 408.021. The following language used in the fee guidelines is sufficient to communicate the purpose and scope of billing for a compensable injury: "Health care providers shall bill the insurance carrier for all compensable injuries in accordance with the fee guidelines established by the commission. The health care provider shall bill the insurance carrier for the health care treatments and services performed, and medically necessary to relieve the effects of the compensable injury and promote recovery."

COMMENT: (b) Commenters recommended language additions and substitutions that include reference to the goal of return to work, such as, "...promote recovery and return to work." and "The health care providers shall bill the insurance carrier for the health care treatments and services reasonably required by the nature of the injury as and when needed. The employee is specifically entitled to health care that cures or relieves the effects naturally resulting from the compensable injury; or enhances the ability of the employee to return to or retain employment."

RESPONSE: The commission disagrees with commenters' recommended language addition. Throughout the Texas Workers' Compensation Commission Act and Rules, the commission provides ample clarification that injured employees are entitled to health care that enhances the ability of the employee to return to or retain employment. For purposes of the describing the use of the commission's fee guidelines, such return to work goal language is unnecessary.

COMMENT: (c ) Commenter recommended language addition to the rule that allows for a default reimbursement mechanism with the intent to eliminate confusion and foster mutual understanding in such instances where a service is not identified in an established commission fee guideline. Commenter further recommended such default reimbursement to be based on the Medical Fee Guideline, or an established percentage of the health care provider's billed charges.

RESPONSE: The commission disagrees with the recommendation to add default reimbursement language to this rule. Such an addition could be confusing and conflict with other provisions. The provisions for default reimbursement are best contained within the fee guideline rule(s).

The amendment is adopted pursuant to the following statutes which are associated with the Medical Fee Guidelines: the Texas Labor Code §402.061, which authorizes the commission to adopt rules necessary to administer the Act; the Texas Labor Code §413.002, which requires that the commission's Medical Review Division monitor health care providers, insurance carriers and claimants to ensure compliance with commission rules; the Texas Labor Code §413.007, which sets out information to be maintained by the commission's Medical Review Division; the Texas Labor Code §413.011, which mandates that the commission by rule establish medical policies and guidelines; the Texas Labor Code §413.012, which requires review and revision of the medical policies and fee guidelines at least every two years; the Texas Labor Code §413.013, which requires the commission by rule to establish programs related to health care treatments and services for dispute resolution, monitoring, and review; the Texas Labor Code §413.015, which requires insurance carriers to pay charges for medical services as provided in the statute and requires that the commission ensure compliance with the medical policies and fee guidelines through audit and review; the Texas Labor Code §413.016, which provides for refund of payments made in violation of the medical policies and fee guidelines; the Texas Labor Code §413.017, which provides a presumption of reasonableness for medical services fees which are consistent with the medical policies and fee guidelines; the Texas Labor Code §413.019, which provides for payment of interest on delayed payments refunds or overpayments; the Texas Labor Code §413.031, which provides a procedure for medical dispute resolution and; the Texas Labor Code §413.044, which provides for sanctions against designated doctors who are found to be out of compliance with the medical policies and fee guidelines.

The amendment is adopted pursuant to following statutes that are associated with the Medical Fee Guidelines: the Texas Labor Code §402.061, §413.002, §413.007, §§413.011 - 413.013, §§413.015 - 413.017, §413.019, §413.031, §413.044.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on April 26, 2002.

TRD-200202621

Susan Cory

General Counsel

Texas Workers' Compensation Commission

Effective date: May 16, 2002

Proposal publication date: December 28, 2001

For further information, please call: (512) 804-4287


Subchapter C. MEDICAL FEE GUIDELINES

28 TAC §134.202

The Texas Workers' Compensation Commission (the commission) adopts new §134.202 concerning the Medical Fee Guideline with changes to the proposed text published in the December 28, 2001 issue of the Texas Register (26 TexReg 10786).

As required by the Government Code §2001.033(1), the commission's reasoned justification for this rule is set out in this order, which includes the preamble, which in turn includes the rule. This preamble contains a summary of the factual basis of the rule, a summary of comments received from interested parties, names of those groups and associations who commented and whether they were in support of or in opposition to adoption of the rule, and the reasons why the commission disagrees with some of the comments and proposals.

Changes made to the proposed rule are in response to public comment received in writing and at a public hearing held on January 24, 2002, and are described in the summary of comments and responses section of this preamble. Other changes were made for consistency or to correct typographical or grammatical errors.

This new rule is adopted to comply with numerous and complex statutory mandates in the Texas Labor Code, §413.011. House Bill 2600 (HB-2600), adopted during the 2001 Texas Legislative Session, amended §413.011 to add new requirements for commission reimbursement policies and guidelines. The statute requires that guidelines for medical services fees be fair and reasonable and designed to ensure the quality of medical care and to achieve effective medical cost control. Several research reports (discussed below) have shown that Texas workers' compensation medical costs exceed those in other states and in other health care delivery systems.

Section 413.011 also states that the guidelines may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf. The commission must consider the increased security of payment afforded by the Texas Workers' Compensation Act (the Act) in establishing the fee guidelines.

In addition to the previous requirements, the revised statute also requires that the commission:

* use health care reimbursement policies and guidelines that reflect the standardized reimbursement structures found in other health care delivery systems with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements;

* adopt the most current reimbursement methodologies, models, and values or weights used by the federal Health Care Financing Administration (HCFA) to achieve standardization, including applicable payment policies relating to coding, billing, and reporting, and may modify documentation requirements as necessary to meet the requirements of §413.053 of the Act (relating to Standards of Reporting and Billing);

* develop conversion factors or other payment adjustment factors in determining appropriate fees, taking into account economic indicators in health care; and

* provide for reasonable fees for the evaluation and management of care as required by §408.025(c) and commission rules.

Section 413.011 states that this section of the law does not adopt the Medicare fee schedule, and the commission shall not adopt conversion factors or other payment adjustment factors based solely on those factors as developed by the HCFA.

Finally, the statute mandates that this section of the law may not be interpreted in a manner that would discriminate in the amount or method of payment or reimbursement for services in a manner prohibited by Section 3(d), Article 21.52, Insurance Code, or as restricting the ability of chiropractors to serve as treating doctors as authorized by this subtitle.

Previously, reimbursements for specified medical treatments and services were established by §134.201 of this title (regarding Medical Fee Guideline for Medical Treatments and Services Provided Under the Texas Workers' Compensation Act) and §134.302 of this title (regarding Dental Fee Guideline). The Medical Fee Guideline (MFG) provides maximum allowable reimbursement (MAR) amounts for health care providers treating injured employees in Texas. This new rule uses the required Medicare methodologies, models, and values or weights for determining reimbursement in the Texas workers' compensation system to comply with the new provisions in Texas Labor Code §413.011.

In developing the MFG, the commission carefully and fully analyzed all of the statutory and policy mandates and objectives and all the facts and evidence gathered and submitted, as well as all comments received. The commission utilized all of this, and its expertise and experience, including recommendations from the commission's Medical Advisor to develop this MFG which balances the statutory mandates, including those to ensure that injured workers receive the quality health care reasonably required by the nature of their injury as and when needed and to ensure that fee guidelines are fair and reasonable, with the statutory mandate to achieve effective medical cost control. Full and objective analysis and consideration were given to all comments received, as evidenced by the revisions made from the rule as proposed and the commission's responses to comments in this preamble.

Commission staff met and discussed issues with the primary HB-2600 Legislative Stakeholders. This Legislative Stakeholder group included: a delegation of employers, insurance carriers, utilization review organizations, and other interested parties working together under the umbrella name, Texas Association of Business & Chambers of Commerce Technical Work Group (including, Liberty Mutual; Texas Association of Compensation Consumers, Texas Association of School Boards, Texas Association of Business & Chambers of Commerce, Texas Mutual Insurance Company, Forte Managed Care, The Zenith, American Insurance Association, Insurance Council of Texas, Texas Self-Insurance Association, and The Hartford); the Texas Chiropractic Association; the Texas Medical Association; and the Texas Osteopathic Medical Association. Input from this group was carefully considered in developing this rule.

STATUTORY AND MFG RULE HISTORY

The National Academy of Social Insurance has noted that the medical care share of workers' compensation benefits increased steadily during the 1980s and into the early 1990s. Some analysts believe that part of the rise in medical benefits was due to cost shifting between regular health insurance and workers' compensation. An incentive to shift costs existed because medical care not associated with workers' compensation was experiencing a rise in managed care during this period. In the 1990s, partially as a response to escalating costs, workers' compensation programs began adopting managed health care. (National Academy of Social Insurance, Workers' Compensation: Benefits, Coverage, and Costs, 1999 New Estimates and 1996-1998 Revisions , May 2001) This is similar to the findings of the Joint Select Committee on Workers' Compensation Insurance, December 9, 1988, A Report to the 71st Texas Legislature : "Workers' compensation is one of the few remaining public or private insurance plans providing full payments of medical costs with few cost containment mechanisms. The use of cost containment methods in other medical care programs may encourage doctors and hospital administrators to devise strategies to shift costs to less constrained environments, such as workers' compensation." The workers' compensation system is still dealing with the results of that cost-shifting and workers' compensation should no longer be subsidizing the provision of non-workers' compensation medical care, including that which is subject to managed care.

Prior to the development of the 1996 MFG, an extensive research program and review of the relevant literature and the 1991 MFG was undertaken by the commission to assist in evaluating the strengths and deficiencies of the 1991 MFG. In December 1993, the Workers' Compensation Research Institute (WCRI) released an extensive analysis of the workers' compensation medical fee guidelines in 27 states. The results of WCRI's analysis revealed that Texas, through the 1991 MFG, reimbursed at 9% above the median fee guideline level compared to the other states and that variations in reimbursements among the states were apparently not related to variations in costs between the states. Both the WCRI study and the commission's own analysis indicated the Texas workers' compensation system reimbursed 65% above Medicare reimbursements. (WCRI, Benchmarks for Designing Workers' Compensation Medical Fee Schedules , November 1993) Consequently, the objectives for the 1996 MFG were to move Texas MFG reimbursements towards a median position in comparison with other states and more towards a market-based system. The commission also elected to switch from the California Relative Value System, to the more widely used and recognized McGraw-Hill Relative Values for Physicians.

To accomplish these objectives and because no reference point or benchmarking against market based charges was done during the development of the 1991 MFG, in developing the 1996 MFG, the commission determined that it was appropriate to obtain data from outside sources to use in evaluating what changes in reimbursements were necessary. The data supplied from an outside source was commercial market data, and included conversion factors for every 10th percentile starting at the 20th percentile and ending at the 90th percentile. This revealed that the lack of benchmarking in 1991 resulted in some medical services groups being reimbursed around the 10th percentile when compared to the commercial market data, while other groups were reimbursed above the 90th percentile. In addition, some of the individual codes within each group were reimbursed far above or far below the median of the data. As noted in Congressional Budget Office testimony: a charge-based reimbursement system gives physicians the incentive to increase their charges from year to year to boost their revenues; this leads to spiraling expenditures. (Statement of Dan L. Crippen, Director, Congressional Budget Office, Testimony Before the Subcommittee on Health of the House Committee on Ways and Means, Hearing on Physician Payments, February 28, 2002.)

The conversion factors for the 1996 MFG were derived by dividing the sum of all charges for each American Medical Association (AMA) Current Procedural Terminology (CPT) category group by the sum of the relative value units for each charge in the same group. At this point in developing the 1996 MFG the commission was concerned that a full shift away from the 1991 MFG could destabilize the system. Therefore, the goal of establishing a 1996 MFG that produced the same level of total expenditures as the 1991 MFG was identified as an alternative to a fully market based system. Thus, the move to a fully market based system was restricted by commission goals to maintain the same level of expenditure overall, and as much as possible in each individual service category. Adjustment restrictions per procedure were also established to avoid extreme changes. Conversion factors for services categories ranged from the 20th to the 60th percentiles. In essence, this methodology retained the reimbursement relationships established in the 1991 MFG so that the 1996 MFG still did not reflect median or average commercial reimbursements. As an example, the average Texas workers' compensation 1996 surgical fee varied from 113% to 193% of managed care reimbursement and from 222% to 261% of Medicare reimbursement. ( Texas Workers' Compensation Commission Rate Comparisons, April 16, 1997 , Health Care Solutions, Inc., Greg Guidroz) Expenditures in Texas had spiraled.

In developing the 1996 MFG, the commission's expenditure goals would also keep reimbursements for medical services in Texas relatively stable so that the effects of inflation and changes in other states' medical fee guidelines would help move Texas towards a median position. The 1996 MFG was thus a transitional step to the commission's stated intent to review and revise the MFG on a regular basis in developing a market-based system. These assumptions were not fully realized because medical inflation during the late 1990's was much less intense than in the previous decade, there was significant realignment in reimbursement structures in both the commercial and Medicare systems, and other states' compensation systems began to adjust their fee schedules accordingly.

The commission is now revising its medical fee guideline to adjust to these changes in the healthcare reimbursement system. These factors, in addition to the transitional implementation of the McGraw-Hill relative value system, and the overall restriction in total system reimbursement, are resulting in significant realignment and for some services significant reduction of reimbursements in the 2002 MFG.

Since adoption of the 1996 MFG, several research reports have shown that Texas workers' compensation medical costs continue to exceed those in other states and other health care delivery systems.

* Policy year 1995 data show that the average medical cost per claim in Texas exceeds the national average by almost 80% ($4,912 in Texas compared to $2,735 nationwide). (Texas Research and Oversight Council (ROC) on Workers' Compensation and Med-FX, LLC., Striking the Balance: An Analysis of the Cost and Quality of Medical Care in the Texas Workers' Compensation System, A Report to the 77th Texas Legislature , January 2001, citing National Council on Compensation Insurance (NCCI), Annual Statistical Bulletin , 1999.)

* The average medical payment (paid and incurred) per claim with more than seven days' lost-time in Texas was the highest of the eight states analyzed (California, Connecticut, Florida, Georgia, Massachusetts, Minnesota, Pennsylvania, and Texas). Together these states account for at least 40% of the nation's workers' compensation benefits. (WCRI), Benchmarking the Performance of Workers' Compensation Systems: CompScope Multistate Comparisons , July 2000.)

* In claims from 1996, the average medical payment per claim in Texas was $6,495, which is 35% higher than the states' average. (WCRI, July 2000)

* The average of medical payments in Texas per claim with seven or more days lost time was the highest of the states in the analysis (33% higher than the states' average and 36% higher than the states' median). (WCRI, The Anatomy of Workers' Compensation Medical Costs and Utilization: A Reference Book , December 2000)

* The average of medical payments in Texas for all claims was 47% higher than the states' average and 53% higher than the states' median. (WCRI, December 2000)

* Of nine states analyzed (California, Colorado, Florida, Georgia, Kentucky, Minnesota, New Jersey, Oregon, and Texas), Texas has the highest average medical costs per claim (more than 20% higher than the second-highest state, New Jersey, and more than 2.5 times higher than the lowest-cost state, Kentucky). (ROC, January 2001)

* When similar types of injuries were compared in the group health and workers' compensation systems, Texas had higher than average medical costs for the top five types of injuries. (ROC, January 2001)

* When compared with group health (a State of Texas employee Preferred Provider Organization (PPO) group health plan), average workers' compensation medical costs for State of Texas injured employees were approximately six times higher per worker ($578 per worker in this group health system compared to $3,463 per worker in the Texas workers' compensation system, 18 months post-injury). (ROC, January 2001)

* In addition to overall cost differences, the cost of individual medical treatments is lower under the group health system due to the impact of PPO discounts as well as the impact of co-payments and deductibles. For example, the average medical payment for a manipulation, CPT code 97260, was $17.50 in this group health system compared to $35 under the 1996 MFG. It is estimated that PPO discounts under this group health system result in a savings of approximately 10% on office visits and physical medicine and 15% on diagnostic tests. (ROC, January 2001)

* In general, the amount of medical treatment (often called treatment utilization) and the length of medical treatment (often called treatment duration) provided to Texas injured workers account for the majority of these cost differences between other state workers' compensation systems and other health care delivery systems. Additional differences between Texas workers' compensation and Texas group health systems also widen the cost gap. These differences include the lower cost of many individual medical treatments in group health (due to the PPO or other negotiated discounts), the existence of pharmaceutical formularies in the group health system, and in the case of workers' compensation, the inclusion of costly and questionable medical services (e.g., work hardening/conditioning). (ROC, January 2001)

The January 2001 ROC report concluded that Texas policymakers and system regulators should consider developing a comprehensive plan to address:

* the amount of medical care provided to injured workers;

* the price of individual treatments and services in workers' compensation;

* the method by which the system resolves disputes; and

* the method by which the system regulates doctors and insurance carrier utilization review agents.

With this background of information and reports, the 77th Texas Legislature addressed the statutory provisions regarding fee guidelines and revised §413.011 of the Texas Labor Code as previously stated.

UTILIZATION AND PRICE REDUCTIONS

Utilization plays a part in cost containment, but the reimbursement levels established in the MFG are not the primary means for addressing over-utilization. Likewise, it would be inappropriate for the commission to choose to address medical cost containment only by utilization control, and not by the fees that are reimbursed for workers' compensation services. The statute requires that guidelines for medical services fees be fair and reasonable and designed to ensure the quality of medical care and to achieve effective medical cost control. Also, as noted in the January 2001 ROC study, the cost of individual medical treatments is lower under the group health system in Texas, e.g., the average medical payment for a manipulation, CPT code 97260, was $17.50 in this group health system compared to $35 under the current commission MFG. The lower cost of many individual medical treatments in group health widens the cost gap between Texas workers' compensation and Texas group health systems. The reimbursement established in the MFG is a necessary component of cost containment.

Although the ROC's comments on the rule as proposed state that the driving force in higher Texas workers' compensation medical costs is the amount of medical treatment provided, rather than the price of individual medical treatments and services, the ROC report includes a recommendation that the policymakers and system regulators should consider developing a comprehensive plan to, among other things, address the price of individual treatments and services in workers' compensation. (ROC, January 2001)

The commission agrees that effective control of medical costs should be achieved through a combination of management of the approved doctor list (ADL), utilization management, and establishment of fee schedules consistent with §413.011(d). HB-2600 requires the commission to make better use of all of these tools. (Contained in correspondence from Texas Association of Business Chambers of Commerce (TABCC) to the Executive Director of the commission on March 6, 2002.) Other features in the HB-2600 legislation such as preauthorization revisions, and revision of the requirements for inclusion on the ADL, were designed to target over-utilization of health care treatments and services. These new features will work together with the fee structure in the MFG to address cost containment including utilization of services in the system.

The ROC and WCRI studies indicate over-utilization as a significant component in the excessive costs per claim exhibited by the Texas workers' compensation system. Healthcare utilization is also being addressed by the inclusion of current Medicare payment policies and correct coding initiatives (CCI edits), which consistently and appropriately bundle/unbundle codes.

In addition, the commission is developing the Medical Quality Review Panel (MQRP) through the office of the Medical Advisor, which will address over-utilization by monitoring to ensure quality care is provided in the system. The Medical Advisor and the Division of Compliance & Practices are also developing methodologies to identify and monitor utilization levels, tracking services billed by provider types and by individual health care providers and when appropriate take disciplinary action or administer penalties to participants that violate commission rules.

A WCRI article notes the following about the possibility that providers whose incomes are injured by the fee changes will increase the volume and intensity of medical services furnished. This reaction would undermine the efforts of the Resource Based Relative Value Scale (RBRVS) system to shift the service mix away from surgery and imaging procedures and would increase system costs. There has been an intensive debate in the literature on the extent to which this kind of physician demand creation occurs, but we do know that RBRVS has been successful in reducing the number of surgeries provided under Medicare in spite of the price cuts for these services. Physician response to less important payers such as workers' compensation should be even more restrained, since theory asserts that demand creation is due to efforts to protect total physician income rather than a typical market response to relative price changes. ((WCRI: The RBRVS as a Model , 1996) citing (Physician Payment Review Commission, 1994)) Doctors in the workers' compensation system should facilitate injured employees' recovery and return to work. It is also the responsibility of health care providers in the system to provide health care that is medically reasonable and necessary. The realignment of reimbursements consistent with the RBRVS should not result in greater utilization of services in workers' compensation.

The use of a different relative value unit system, the RBRVS, by itself results in a significant realignment of reimbursements among CPT groupings. WCRI has analyzed three "transitional strategies" for state workers' compensation to move from a schedule that is not RBRVS to an RBRVS schedule: the "Medicare plus markup" (which will result in a fairly sharp drop in overall fees), the "overall price-neutral" (which does not affect the overall level of fees), and the "hold-harmless" (in which none of the types of medicine suffer a price reduction). The study analyzed the impact on general medicine, radiology, surgery, and physical medicine. In the Medicare plus transition, the drop in overall fees is not evenly distributed among the CPT groups. General medicine is basically unaffected; the other three types of services suffer important reductions. In the overall price-neutral conversion to RBRVS, fees for physical medicine do not change much but general medicine rises considerably and radiology and surgery decline considerably. This is the same impact that is seen when conversion to RBRVS is combined with a reduction in fees. Thus foregoing the cost-savings opportunity stemming from a cut in overall fees is not sufficient to avoid important negative impacts on some groups of providers. The source of this problem goes back to the reason why Medicare developed the RBRVS in the first place. The traditional charge-based fee schedule diverges so much from real relative costs that getting fees and costs back in the proper proportion requires major changes. (WCRI, The RBRVS As a Model for Workers' Compensation Medical Fee Schedule: Pros and Cons. , Dr. Phillip L. Burstein, July 1996) For this reason, and those discussed above regarding costs, the commission decided not to use an overall price-neutral phase-in, as was done in 1996. Going to an RBRVS system as required by the statute, and having decided to implement price reductions, the commission identified some benchmarks, or relevant points of reference.

RESOURCE BASED RELATIVE VALUE SCALE

In February 2001, the commission signed a professional services agreement with Milliman & Robertson, Inc., now Milliman USA (Milliman), a professional firm specializing in actuarial and health care services, to assist the commission in developing and implementing a new MFG. Milliman conducted a market analysis of reimbursements from the 1996 MFG, commercial payers in Texas, workers' compensation systems from other states, and 2001 Medicare allowed fees in Texas, comparing the reimbursement level for corresponding services. Milliman provided the commission with written reports of their findings and recommendations. As noted in the Milliman report, RBRVS is the result of an extensive development effort that began a decade ago with the work done by the Harvard School for Public Health. The RBRVS methodology has been updated and refined annually since then. The development is documented in the Federal Register annually. The RBRVS development process is open to public comment. The proposed reimbursement methodology is thoroughly reviewed by provider groups representing virtually all specialties. Because Medicare represents a significant proportion of the total expenditures for healthcare services, the proposed methodology receives significant scrutiny. In addition, RBRVS is increasingly becoming the standard used by commercial payers, as well as Medicare, to set reimbursement levels. A reimbursement methodology based on RBRVS is internally consistent with a majority of prevailing commercial payments, and will be easier to compare against such fee schedules.

The RBRVS uses three components to establish the total relative value units for a particular code: work, practice expense, and malpractice insurance. RBRVS relative value units are also adjusted by Geographical Practice Cost Indices (GPCIs) to reflect geographical differences. The rule requires system participants to use these components and adjustments of relative values. Use of Centers for Medicare and Medicaid Services (CMS) RBRVS aligns the basis for workers' compensation reimbursement with nationally recognized standards of relative values used in other health care delivery systems, and takes into account economic indicators in health care. "As part of our site visits to 12 communities, we conduct interviews with health plans and physician groups. From those interviews, we have found an extensive use of the Medicare relative value scale by private health plans and have also found that Medicare payment methods have had a large influence on the private sector. In fact, many health plans explicitly set their payments as a percentage of what Medicare pays." (Excerpt from statement of Paul B. Ginsburg, Ph.D., President of the Center for Studying Health System Change, Testimony Before the Subcommittee on Health of the House committee on Ways and Means, Hearing on Medicare Physician Payment, February 28, 2002)

USE OF MEDICARE AS A BENCHMARK

A revision of the MFG that meets the rigorous statutory criteria and uses the most current reimbursement methodologies, models, and values or weights used by HCFA (now CMS) including applicable payment policies relating to coding, billing, and reporting (sometimes referred to as ground rules) is the goal of this new rule. The commission is now revising its medical fee guideline to incorporate the changes that the commission had recognized as necessary (but did not fully implement) when adopting the 1996 MFG. The Act mandates fair and reasonable reimbursements, which are not optimally established by usual and customary charges. The commission has determined that benchmarking to payments, rather than charges, reflects healthcare reimbursement patterns and is a more consistent tool in meeting effective medical costs control as well as other mandates of the Act. These factors, in addition to the 1996 transitional implementation of the McGraw-Hill relative value system, and the overall restrictions in total system reimbursement, are resulting in significant realignment and for some services significant reduction of reimbursements in the 2002 MFG.

There has been considerable discussion related to whether use of Medicare fees as a benchmark in workers' compensation is appropriate. The commission has determined that it is, for several reasons. Because of HB-2600's extensive emphasis on the Medicare system, it is appropriate to benchmark to the Medicare reimbursement system. HB-2600 requires the commission to adopt the most current reimbursement methodologies, models, and values or weights used by the federal HCFA to achieve standardization, including applicable payment policies relating to coding, billing, and reporting; the commission may modify documentation requirements as necessary to meet the requirements of §413.053 of the Act (relating to Standards of Reporting and Billing). The statute also states that this section of the law does not adopt the Medicare fee schedule, and that the commission shall not adopt conversion factors or other payment adjustment factors based solely on those factors as developed by the federal HCFA. Use of Medicare as a benchmark, or point of reference, does not violate these statutory provisions. As required by the statute, the commission has considered economic indicators in health care and the requirements of §413.011(d).

Although the Medicare system was established primarily to serve the needs of the elderly population, the program is a main component of the national health care system and has become a standard and benchmark for development and operation for many commercial and governmental health care programs. Furthermore, as noted by WCRI, workers' compensation policymakers have been showing increased interest in Medicare as a benchmark. (WCRI: Benchmarks for Designing Workers' Compensation Medical Fee Schedules , 1995-96, May 1996)

At this date, 17 states have Medicare-based fee schedules of some sort for workers' compensation programs in place. WCRI has identified three reasons for using the Medicare physician's payment system as a guide to help design workers' compensation fee schedules. First, the Medicare fee schedule is the lowest in common use. Because effective medical cost containment is a statutory goal, it is appropriate for Texas to consider this. Second, the Medicare fee schedule corrects a typical bias of traditional reimbursement systems that overcompensate providers for expensive invasive high-technology procedures and under compensate providers for less expensive noninvasive low-technology procedures. The Texas 1996 MFG reflects that very bias. Third, Medicare fee schedules differ across states according to carefully researched measures of differences in the three elements of the costs of producing medical services: physicians' time and effort, practice expenses, and malpractice insurance premiums.

Medicare pays for a larger percentage of health care services in the United States than any other third party payer. The Medicare physician payment system is a mature system and the Medicare payment system and payment policies have been adopted by many group health payers. The RBRVS system used by Medicare values services according to the relative resources required to provide them, recognizing skill, practice cost, and risk. These relative value units represent national standards assigned to medical treatments and services. The relative value units reflect the relationship between the resources necessary to provide a professional medical service relative to resources necessary to provide other professional medical services. Resource-based relative value units have the advantage of representing the work and skill required to perform the service, rather than the historical billing practices of providers. The RBRVS neutralizes the incentives for providers to practice medicine in an unnecessarily costly and invasive manner by setting relative values according to the cost to providers for producing the services. The relative weights are updated at least every five years. Health Care Procedural Coding System (HCPCS) codes and conversion factors are updated annually. Use of a single conversion factor maintains consistency in the utilization controls and incentives designed into the RBRVS system.

Medicare's payment policies largely define "main stream medicine." These policies have been developed and refined over many years in the public area. Health care providers have had extensive involvement through CMS advisory committees and the political process. The claim edits and other policies are open to public scrutiny and are known to all participants. Many millions of dollars annually are spent to maintain and update the payment system. The commission could not independently duplicate this work. The Texas workers' compensation system as a whole will benefit by bringing its payment policies and unit costs in line with mainstream medicine. The frequency distribution of services may differ between group health, Medicare and workers' compensation beneficiaries. However, for a given medical service, there is no good reason why the payment policies should differ. Adoption of Medicare payment policies should lead to reduced administrative costs, a reduced number of medical disputes and a reduction in unproductive costs for medical services. (Contained in correspondence from TABCC to the Executive Director, November 1, 2001 and correspondence from TMA to the Executive Director on November 1, 2001)

The commission has recognized that Medicare recipients have a similar standard of living as the general working population. In a study prepared by Research and Planning Consultants ( A Standard of Living Comparison Between the Working Population, the Medicare Population, and the Managed Care Population , March 1997; addendum to report, April 2001) the standard of living of the population covered by the Medicare program was found to exceed that of the population covered by the Act. The study further found that the standard of living of the population covered by managed care plans was at least as high as the population covered by the Act. Consequently, Medicare reimbursement is an appropriate standard for comparison to workers' compensation reimbursement. Analysis by commission staff estimates 1996 MFG reimbursement as approximately 140% of 2002 Medicare reimbursement. According to Milliman, 1996 MFG reimbursement is at the high end of fair and reasonable when compared to other states and the Texas commercial market. These ratios allow the commission to establish the high end of the range of fair and reasonable reimbursements at 140% of 2002 Medicare reimbursements. Reimbursement at this level has resulted in a cost per claim in Texas that is estimated to be approximately 50% higher than the states average or the states median. (WCRI, The Anatomy of Workers' Compensation Medical Costs and Utilization: A Reference Book , December 2000)

If the numbers of relative value units assigned to each procedure by Medicare are retained, but markedly different conversion factors are used for the various medical sectors, this results in the loss of the some of the benefits of the Medicare RBRVS, because relative prices do not fully reflect relative costs and so the service mix does not fully adjust. (WCRI, The RBRVS As a Model for Workers' Compensation Medical Fee Schedule: Pros and Cons. , Dr. Phillip L. Burstein, July 1996)

COMMERCIAL MARKET AND OTHER STATES WORKERS' COMPENSATION

Although Medicare is an appropriate benchmark, the commission has also used other benchmarks in setting the fees in this adopted fee schedule. As required by the statute, the commission has developed conversion factors or other payment adjustment factors in determining appropriate fees, taking into account economic indicators in health care. This includes the commercial private payer market and the median of that market. As stated by WCRI, it would be difficult to justify a fee schedule as a major cost containment tool if it exceeded what providers elect to receive, on average, in the free market.

Comments and input from the ROC and from the Texas Medical Association (TMA) state that commercial market fees should be considered and the methodologies of an RBRVS system should be used with the conversion factor drawn from statewide data for commercial medical charges and actual payments for health care services in Texas. TMA states that this also ties back well into §413.011(d) which provides that the guidelines may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf. TMA suggests fair and reasonable fees are those utilizing an RBRVS system with conversion factors drawn from and based on commercial rates in Texas. (Contained in correspondence from TMA to the Executive Director of the commission, February 25, 2002 and March 21, 2002) These commercial plans typically represent a fair market value for medical treatments and services in exchange for an increased volume of patients for participating health care providers. (Comments regarding June 2001 proposed MFGs received from the ROC dated September 19, 2001)

Milliman conducted a market analysis of reimbursements from the 1996 MFG, commercial payers in Texas, workers' compensation systems from other states, and 2001 Medicare allowed fees in Texas, comparing the reimbursement level for corresponding services. With respect to commercial payers in Texas, Milliman drew the following conclusions as a result of the market analysis:

* commercial reimbursement rates in Texas show variations that are wider than can be explained by geographic differences, and the 1996 MFG reimbursement levels fell within this broad range;

* the estimated commercial median in Texas was 38.7% greater than the 2001 Medicare conversion factor;

* the composite conversion factor for the 1996 MFG was higher than the median value for the commercial payers for surgery; and

* the 1996 MFG reimbursement levels for Evaluation and Management (E/M) services is lower than the reimbursement level of any of the 10 commercial payers analyzed.

Milliman compared the 1996 MFG reimbursements with the current workers' compensation fee schedules for the following ten states: California, Colorado, Florida, Georgia, Kentucky, New York, North Carolina, Ohio, Oklahoma, and Washington.

The conclusions of this comparison were as follows:

* For General Medicine Services, Texas MFG MARs are near the mid-point of the corresponding fee schedule maximums for other states.

* Texas MFG MARs are higher than all or nearly all the corresponding fee schedules maximums for the states studied for several CPT sections.

* The Texas MFG MAR level for evaluation and management services is lower than the corresponding reimbursement level in all but three of the states studied.

* Relative to other states, the average fee for workers' compensation services is higher in Texas.

The 1996 MFG MARs average approximately 130% of calendar year 2001 Medicare allowed fees. Although surgical CPT codes (including the non-invasive surgical procedures such as injections) under the 1996 MFG are reimbursed in aggregate at 174% of Medicare fees, the relationship to Medicare fees varies significantly from one CPT code to the next, e.g.:

* approximately one third of the surgical procedures commonly performed in Texas were reimbursed at or below Medicare fees;

* approximately 5% were reimbursed at less than half of Medicare fees;

* approximately 16% were reimbursed between 200 and 300% of Medicare fees; and

* approximately 5% were reimbursed at more than 3 times the Medicare fees.

The ROC also conducted a comparison of the Texas workers' compensation system with the following eight states: California, Colorado, Florida, Georgia, Kentucky, Minnesota, New Jersey, and Oregon. (ROC and Med-FX, L.L.C., Striking the Balance: An Analysis of the Cost and Quality of Medical Care in the Texas Workers' Compensation System, A Report to the 77th Texas Legislature, January 2001)

Conclusions from the ROC study were as follows:

* Texas has the highest average medical costs per claim (more than 20% higher than the second-highest state, New Jersey, and more than 2.5 times higher than the lowest-cost state, Kentucky).

* When similar types of injuries were compared in the group health and workers' compensation systems, Texas had higher than average medical costs for the top five types of injuries.

* Five medical treatment types (surgery and related hospitalization, physical medicine, office visits, diagnostic tests, and pharmaceutical drugs) account for the vast majority of medical costs in Texas. Out of the nine workers' compensation systems compared in this study, Texas has either the highest or the second-highest utilization rates for each of these treatment types.

In setting the 2002 MFG fees, the commission thus has used Medicare fees as a benchmark and has considered commercial market payments as indicative of economic indicators in health care, as required by the statute. The commission determines "fair and reasonable" is not based solely on the market value of services provided to injured employees. Fair and reasonable compensation in the Texas workers' compensation system is a balance of all the required components of the Act. These are rigorous statutory requirements, which are not easily balanced. In balancing the statutory mandates and objectives, the commission considered numerous issues, with the goal of establishing fair and reasonable fees that will assist in achieving effective medical cost control.

Treating physicians within the workers' compensation system are responsible for maintaining administratively time consuming functions such as, researching compensability, establishing relationships with carriers, and evaluating return to work. Because of these added responsibilities in workers' compensation, it is appropriate that the evaluation and management codes be upgraded to a higher level of reimbursement.

The following additional burdens and considerations specifically related to the workers' compensation system are different than in the Medicare system and are important in the development of the MFG:

* impact on access to quality care;

* administrative complexity in the workers' compensation system;

* commission return-to-work objectives; and

* requirements for training.

ACCESS TO QUALITY CARE

The commission has determined that the adopted fees will not negatively impact injured employees' access to quality care.

In recent correspondence with the commission, the TABCC Technical Work Group stated, "There is no evidence to suggest Medicare beneficiaries have any difficulty gaining access to needed services or that the quality of those services is diminished by Medicare reimbursement rates or payment policies. For DME and dental services, there is no evidence that beneficiaries of that program have difficulty gaining access to services or that the quality of services has been decreased by the payment schedule." "While there were expressions of concern about potential access problems, no actual access problems have been documented in any specialty. The current level of Medicare payment to physicians is sufficient to provide reasonable access to quality medical care to injured workers." The TABCC Technical Work Group also stated that while there may be some physicians who have closed their practices to new Medicare patients, the inability of a patient to access a specific doctor is different from a problem of access to medical care. "There is no shortage of surgeons willing to treat Medicare or other insured patients. The documented problem in the Texas workers' compensation system is over-utilization of surgery services relative to patients with the same characteristics covered by group health plans." (Contained in correspondence from TABCC to the Executive Director of the commission on March 1, 2002)

A study was conducted by the Project HOPE Center for Health Affairs for the Medicare Payment Advisory Commission (MedPAC) in 1999 to monitor the impact, if any, of the 1998 changes in Medicare fee-for-service (FFS) payments. The possible impacts monitored included, among others, changes in physicians' practices and changes in access to physician services. Results of the study indicated that many physicians had made practice changes in the past year to reduce practice costs and/or increase revenue. These efforts included a reduction in the number of office staff or the hours they work, curtailing salary increases, or reducing fringe benefits. Other practice changes included increasing the number of patients seen by the practice in an attempt to boost revenue and the expansion of the range of services offered. (MedPAC, Results of the Medicare Payment Advisory Commission's 1999 Survey of Physicians about the Medicare Program , September 1999)

In regard to any impact on access to care the 1999 MedPAC survey monitored three areas. The survey supported that physicians do not appear to be experiencing much difficulty when seeking referrals for their FFS Medicare patients. Only 4% of the respondents stated that it was "very difficult" to find suitable referrals for their FFS Medicare patients, and this figure was statistically comparable to the 3.7% of physicians reporting referral difficulties for their privately-insured FFS patients, while 20% of the physicians said it was very difficult to refer their HMO patients and more than 25% said they had a very difficult time referring their FFS Medicaid patients. (MedPAC, September 1999)

In regard to physician acceptance of new patients, the 1999 survey exhibited that for all types of patients considered together, physician acceptance of new patients has held steady from 1994 to 1999. Of note, acceptance of new FFS Medicare patients has remained on par with the acceptance of new privately-insured FFS patients over this time interval, and is significantly above acceptance of new patients with other types of insurance or of those without health insurance coverage. The results indicate that there is no evidence to support the hypothesis that recent Medicare payment changes have affected physicians' willingness to accept new FFS Medicare patients. The conclusion that FFS Medicare payment changes have not had a significant impact on physician acceptance of FFS Medicare patients is further strengthened by a closer look at the variations in FFS Medicare acceptance rates by type of physician. Acceptance rates among surgeons - who typically experienced relatively large declines in Medicare revenue as a result of the payment changes - fell by an insignificant 0.1 percentage points and remain higher than FFS Medicare acceptance rates among non-surgeons. Conversely, acceptance rates for non-proceduralists (or medical specialists) - who typically enjoyed higher payments as a result of the payment changes - fell by 2.5 percentage points, and are significantly below acceptance rates for other types of physicians in 1999. For two of the three over-sampled specialties - which were selected specifically because of the large Medicare payment decreases they received - there was no change at all in the acceptance of new Medicare patients. Acceptance rates did fall by 3.4 percentage points among orthopedic surgeons, but this change was not statistically significant. (MedPAC, September 1999)

The other access to care factor monitored by the 1999 survey was the possible changes in appointment priority. The fact that physicians are continuing to accept new FFS Medicare patients at very high rates may be a misleading indicator of these patients' access to physician care if they are encountering increased difficulty in obtaining an appointment within a reasonable period of time. Results from this physician survey indicate that access to FFS Medicare patients appears to be good when considered from this perspective. Only one in ten physicians reported that they had made any change at all since 1997 in the priority accorded to Medicare patients seeking an appointment with them. Only slightly more than half of the physicians said Medicare patients are now given a lower appointment priority, while the remaining 44% said the appointment priority was not higher. Apparently, the physicians' awareness of FFS Medicare payment changes since 1997 does not appear to be related to whether the priority given to Medicare patients has changed since that time. (MedPAC, September 1999)

Government figures also do not support the widespread claims that doctors are rejecting Medicare. Physician participation in Medicare is increasing - it reached 86.3% in 2000 - a 4% increase over 1999. The percentage of physicians participating in Medicare has increased every year since 1996. (American Medical News, Opting out: Physicians exiting Medicare program , June 25, 2001) In addressing issues regarding rising health insurance premiums, the Health Insurance Association of America (HIAA) cited findings of the Bureau of Labor Statistics (BLS) that the number of active physicians in the country grew more rapidly during the 1990s than the general population. (HIAA's Issue Brief: Why Do Health Insurance Premiums Rise? , March 2000) The physician supply has increased over the last four decades, mostly because of an increase in the number of specialists. Specialist income growth has nearly doubled primary care physician income growth. (Blue Cross Blue Shield Association, Medical Cost Reference Guide, Health Costs Campaign)

Similar views were expressed in recent testimony before Congress by Glenn M. Hackbarth, J.D., Chairman of the MedPAC. Mr. Hackbarth stated that according to data from the Medicare Current Beneficiary Survey, access to care was not a problem in 1999. This survey also showed that the number of providers accepting Medicare payment had increased from previous surveys. Counts of physicians billing Medicare show that the number of physicians furnishing services to beneficiaries has kept pace with growth in the number of beneficiaries. From 1995 to 1999, the number of physicians per 1,000 beneficiaries grew slightly, from 12.9 to 13.1. The percentage of beneficiaries reporting trouble getting care (4%) was low in 1999 and essentially unchanged from previous years. (Testimony Before the Subcommittee on Health of the House Committee on Ways and Means, Hearing on Physician Payments, February 28, 2002)

Further, Chairman Hackbarth added, "One of the most important findings of the survey was that among physicians accepting all or some new patients, more than 95% said they were accepting new Medicare fee-for-service patients--a finding consistent with the results of another recent survey." This would indicate that Medicare reimbursement alone is not a deterrent for healthcare providers to provide access to care. The same assumption can be made concerning access to care in the Texas workers' compensation system relative to reimbursement.

In the newly adopted MFG, not all reimbursements are reduced from the 1996 MFG reimbursement amounts. The realignment of values for E/M codes, resulting from adoption of the RBRVS system significantly increases reimbursement to treating doctors as the gatekeeper in the workers' compensation system. This realignment indicates that since the adoption of the 1996 MFG evaluation and management services have been reimbursed at a level below the reimbursements in the Medicare system. Despite this below Medicare reimbursement for these services, the commission has not seen a corresponding reduction in availability of treating doctors. In addition to evaluation and management services, overall reimbursement for designated doctor examinations and required medical examinations are increased, as is reimbursement for anesthesia services.

Because there are many changes being implemented at once as a result of HB-2600 (increased training for doctors, changes to requirements for inclusion on the approved doctors list, preauthorization process changes, new medical dispute resolution processes, etc.), the collective effect of these changes cannot be fully predicted or decomposed. However, MedPAC's annual review has as its objective ensuring that Medicare beneficiaries continue to have access to high-quality care. MedPAC routinely monitors access for Medicare beneficiaries. Because Medicare does not have information on the costs of physician services, MedPAC uses information on several other factors that allow judgment about adequacy of payments including the number of physicians furnishing services to Medicare beneficiaries and physician survey results. As stated previously, MedPAC's study of access to physician services found no indication that cuts in physician payment levels change the willingness or ability of physicians to continue to serve Medicare beneficiaries. (MedPAC, Report to the Congress: Medicare Payment Policy , March 2000) MedPAC also concluded that for most care settings, payments in 2002 to providers appear to be adequate; there is no compelling evidence that payments are too high or too low. (MedPAC, March 2002)

Physician participation is a factor in access to care. If the Medicare experience is indicative of physician reaction to changes and reimbursement, the Texas workers' compensation system should not experience any significant access or quality problems as a result of the adopted fees. The commission will likewise review, to the extent possible, the effects that these many changes in the workers' compensation system may have on access to care and quality of care, to determine if adjustments should be made.

Subscribing employers' continued participation in the Texas workers' compensation system is critical. The high costs per claim in Texas impact premium costs and the availability of coverage to Texas employers. In fact, "almost half (48 percent) of current subscribers indicated that they would consider dropping coverage if premiums increased by some increment up to 20 percent . . . . This propensity of employers to seriously weigh the possibility of opting out of the system in the event of higher costs holds across employers of all sizes." (ROC A Study of Nonsubscription to the Texas Workers' Compensation System, February 2002) This statement shows the importance of controlling the high costs per claim experienced in Texas.

Testimony on behalf of the Center for Studying Health System Changes stated that decline in accepting all new Medicare patients was the sharpest for physicians with the weakest connections to Medicare and physicians with the lowest revenue for Medicare were the most likely to report accepting no new Medicare patients. And the extent to which payment cuts to Medicare physicians compromise Medicare patients' access to care will depend on the community where patients live. This is because the relationship between Medicare payment rates and the rates paid by private insurers vary widely across communities. (Ginsburg, February 2002)

According to the Ginsburg testimony, there is considerable geographic variation in relative payments across 12 communities that were tracked. In Miami, Northern New Jersey and Orange County, California, private insurers' physician payment rates relative to Medicare are relatively low compared with other communities. For example, in Miami, private payments range from 80% to 108% of Medicare physician payments. In Northern New Jersey, private rates ranged from 95% to 105 % of Medicare payments. In contrast, Boston, Cleveland, Greenville, Little Rock and Seattle have private rates that are much higher than Medicare. For example, private payments in Little Rock range from 120% to 180% of Medicare physician payments and from 100% to 150% in Boston.

As a result of this variation in communities, a substantial decline in Medicare payments would pose the greatest risk to beneficiaries' access in those communities, such as Boston and Little Rock, where Medicare payment rates are the lowest relative to private rates. Based on the Milliman analysis median commercial reimbursement in Texas is slightly less than reimbursement under the 1996 MFG. Since these reimbursement levels are similar and within the established 100-140% of 2002 Medicare fair and reasonable range the change in reimbursement should not put injured employees at risk. (Ginsburg, February 28, 2002)

The commission notes that quality care and expensive care do not necessarily equate. (News from Dartmouth, Comparing the Health Care of States (More Spending Doesn't Help ), April 2001) A comparison of state-level per-capita Medicare spending and the state-level Medicare quality of care shows that, although there is a remarkable difference in per-capita spending across states, ranging from $2,763 in Oregon to $5,668 in Texas and $6,307 in Alaska, higher per-capita spending does not appear to relate to better quality. Texas, the second-highest state in Medicare per-capita spending, ranks in the bottom 20% with regard to quality care for Medicare beneficiaries. (News from Dartmouth, April 13, 2001)

The recommended reimbursement system will not result in a reduction in the quality of care provided to injured workers in Texas. While not anticipating reductions in the quality of care on a global basis, patterns of practice will be monitored to detect specific instances of declining quality. Although an increase in patient volume does generate an increase in reimbursement, it does not necessarily equate to a more profitable practice due to potential increase in fixed and variable costs. As a result, it is not anticipated that providers will increase patient loads to a degree, which will affect quality of care. In addition, not all reimbursements are reduced; some are increased. Payers and purchasers of medical services are increasingly demanding that quality controls be implemented with subsequent outcome monitoring. The issue of quality is reflective upon the competency and dedication of these providers to undertake such initiatives. Quality indicators (such as successful outcomes) have shown the implementation of strict utilization control, assessment, review mechanisms and quality control initiatives to be efficacious. This has occurred while medical services in general have undergone monetary devaluation. The adopted reimbursement rates are reflective of market driven health care economics and do not suppress access to care.

ADMINISTRATIVE COMPLEXITY

There are additional burdens and considerations specifically related to the workers compensation system that are different from other health care systems, such as return to work objectives, training requirements and administrative requirements. These differences are acknowledged through the adopted multiplier, which increases reimbursement from that in the Medicare system.

As stated in the June 25, 2001 edition of The American Medical News , published by the AMA, "Some experts argue that Medicare's procedures aren't any worse than any other payers. The programs pay faster than most, and the administrative and clinical challenges are like other managed care demands these days, they say." In the same article Dr. Darren Carter is quoted as saying, "There is really not much difference about the way Medicare has created these rules from other carriers."

In addition, in a 1999 MedPAC survey, physicians reported that the paperwork and administrative billing hassles of HMOs or other capitated plans were worse than those under traditional Medicare. (MedPAC, December 2001) With these comments in mind the commission believes that, although greater than Medicare, the administrative burden of the workers' compensation system is probably not significantly different than managed care or commercial insurance.

Most providers are already familiar with the Medicare policies; the use of standardized coding, billing, and methodology should facilitate office operations, eliminating the need to maintain a significantly different workers' compensation billing system. Except for a few commission specific services unique to the workers' compensation system, the MFG adopts Medicare payment policies. This standardization should allow physician office practices to achieve consistency in their workers' compensation and all other health care billing practices, thereby reducing time and administrative costs. In a recent testimony before Congress, MedPAC's Chairman Hackbarth stated, "We lack information on the cost of physician services, so we cannot compare Medicare's payments and costs the way we can for other services, such as hospital care" and " the regulatory burden of the Medicare program is an important concern of physicians. Nevertheless, estimates of the cost of this burden are not available." Without a regulatory burden assessment in the Medicare system, it is difficult to directly compare the administrative burden between the systems. The workers' compensation system in Texas faces the same problem in assessing regulatory burdens. Without detailed, specific, system-wide information, a precise allowance for these costs is difficult to obtain or determine.

The TMA has stated that the adoption of standard payment policies will result in a net reduction in the administrative costs of compliance for Texas physicians. "As a consequence, it will also result in an increase in access for injured workers, or at least mitigate the current erosion in access to physician services. Many of the physicians who are currently refusing to treat injured workers cite the administrative complexity as a causative factor." (Correspondence from TMA to Executive Director, November 1, 2001)

TABCC asserts that the only category of physicians that should have to determine coverage and compensability from the payer is the treating physician. Information on coverage and compensability should come to referral and consulting physicians at no expense from the treating physician. The cost of initially determining coverage for an injured employee should not differ from the cost for a new Medicare or group health patient. In the absence of any cost comparison, do not add additional payment. If additional cost does exist, it should be a one-time cost to each treating physician, and does not warrant an across-the-board percentage increase in the Medicare conversion factor. (Correspondence from TABCC to Executive Director, March 1, 2002)

Problems with reimbursement, clinical review, and billing paperwork have increased most dramatically between 1994 and 1999 for patients insured by Health Maintenance Organizations (HMOs), followed by smaller but still significant increases for privately insured FFS patients. There was no significant change in any of the ratings for FFS Medicare patients. (MedPAC, September 1999) Physicians are currently paid an additional fee for some commission-required reports. TABCC asserts that the cost to a physician of preparing a report is not proportionate to the charges for the services rendered, and reporting requirements do not therefore justify a percentage surcharge on fees for services. (Correspondence from TABCC to Executive Director, March 1, 2002)

In its initial report to the TMA ( Baseline Data on Texas Payment Issues , April 2002) Medical Present Value provided baseline data on reimbursement issues facing Texas physicians. "These data suggest that there is substantial underpayment of physician claims within Texas. The extent of this problem varies with the payment policy at issue and the type of payer. In general, Medicare is a very accurate payer." This seems to validate statements made by stakeholders that indicate Medicare payment policies lead to a consistency of payment and will ultimately lead to reduced administrative costs. Additionally, the report also shows that for the total of all claims in the study, Texas workers' compensation payers had fewer payment problems than other commercial payers.

However, the commission agrees that the workers' compensation system has unique differences from other health care systems, and these differences are acknowledged through the multiplier, which increases reimbursement from that in the Medicare system.

RETURN TO WORK OBJECTIVES

The research findings of the ROC and Med-FX, L.L.C., make it clear that there is significant room for improvement for return to work efforts in Texas. Compared with injured employees in other states, fewer Texas injured employees return to work after on-the-job injuries. Additionally, the amount of time Texas injured employees stay off work is longer than the timeframe found in other states and what is recommended in most disability/return to work guidelines. ( Returning to Work: An Examination of Existing Disability Duration Guidelines and Their Application to the Texas Workers' Compensation System , January 2001)

HB-2600 requires that the commission collect information about treating doctors regarding return to work outcomes, patient satisfaction, and cost and utilization of health care in order to promote quality of care and best practices. The commission previously collected information on cost and utilization of care but this was based upon the person providing the care, who was not necessarily the treating doctor for the claim. This information will be important over time because HB-2600 made major changes to the way the commission regulates doctors on the ADL.

To improve return to work statistics, health care providers, and especially treating doctors who are the gatekeepers of an injured employees medical care, must: provide appropriate treatment, provide prompt and continuing evaluation of whether the employee can return to work; establish target return to work date (modified/full duty); and communicate with the employee, employer, and insurance carrier. These are added responsibilities, which do not appear in other health care systems.

TRAINING REQUIREMENTS

HB-2600, passed by the 77th Texas Legislature in its 2001 session, made numerous amendments to the Texas Labor Code. Many of these changes related to regulating medical benefit delivery by: changing the commission's ADL and application process (including mandated doctor training); changing the grounds under which the commission can issue sanctions (as well as expanding the sanctions); adding a Medical Advisor to the commission staff and creating a MQRP, and providing for expanded financial disclosure and prohibiting inappropriate referral fees, kickbacks, or other financial incentives.

Chief among the changes is that admission to the ADL now requires a doctor to apply and meet specified criteria. Prior to this change, admission to the ADL was automatic upon receiving a license. Now doctors will be required to take training and register to be on the list. In addition, the commission has been given the authority to deny or restrict admission based upon factors such as practice restrictions. Approved doctors will be issued certificates of registration that expire if re-training requirements are not met.

HB-2600 mandates that doctors serving any role in the Texas workers' compensation system be on the ADL. In the past, only treating doctors were required to be on the ADL. Doctors who are not on the ADL will be prohibited from performing services or receiving reimbursement in the Texas workers' compensation system (unless the commission grants an exception on a per claim basis, or in an emergency or for immediate post-injury medical care).

HB-2600 also mandates that the commission set up modified training and registration requirements for certain types of doctors such as those who infrequently provide care in the Texas workers' compensation system or those who only perform peer reviews and utilization review. Doctors from other states are permitted to be on the ADL. However, out of state doctors who review health care services (such as through utilization review or peer reviews) are required to be supervised by a doctor licensed in Texas.

As a simplification, HB-2600 mandates that the Executive Director remove doctors from the list who fail to meet registration requirements (including training), who are deceased, whose license to practice has been revoked, suspended, or not renewed by the appropriate licensing authority, or who request removal. Previously, removal under these circumstances required commissioner approval. The commission's authority to address activities not in full compliance with the law or not representative of quality care has been greatly expanded. Both the grounds for taking action and the actions the commission is authorized to take are broader than under the previous statute.

Lower costs will result as the system transitions from using an open list of approved doctors to using a controlled list of doctors specially trained in Texas workers' compensation. Prior to HB-2600, the commission's ability to exclude or otherwise limit doctors from participation in the system was limited. The system has seen workers' compensation costs (both indemnity and medical costs) rise significantly, especially when compared to costs in other states. To the extent that the commission is able to change utilization and return to work patterns (e.g. by changing behavior or by removing doctors who won't change behavior), costs shall be reduced and this may enable carriers to reduce premiums. This will both benefit employers already in the system and may attract more employers to the system, thus increasing customers for the carriers.

These new training requirements are another feature of the workers' compensation system that is not a part of other systems. New §134.202 establishes reimbursement for professional medical services (healthcare other than prescription drugs or medicine, and the facility services of a hospital or other healthcare facility) provided on or after the effective date of the new rule. The new rule provides standardization of reimbursement methods and billing procedures by aligning the workers' compensation reimbursement structure with the structure used by the CMS. With minimal modifications, the rule adopts the most current reimbursement methodologies, models, and values or weights used by CMS relating to coding, billing, and reporting, and provides that the workers' compensation system change with the CMS system as it is revised. Necessary modifications to the Medicare system have been made to adapt it to features unique to the Texas workers' compensation system (such as the ability of chiropractors to serve as treating doctors and the use of designated doctors in the dispute resolution process). Taking into account economic indicators in health care and the differences between health care reimbursement systems, the commission has adopted a conversion factor that differs from the CMS conversion factor and increases the reimbursement amounts provided by the Medicare system. The adoption of the Medicare structure includes adoption of the RBRVS, which values evaluation and management services higher than the previously used relative value unit system.

Based upon public comment on proposed §134.202, changes have been incorporated in subsections (a), (c) and (e) of adopted §134.202.

Changes were made to subsection (a) as proposed. Subsection (a) establishes the applicability of the guidelines for reimbursements for professional medical services, which includes all health care as defined in §401.011(19) of the Act other than prescription drugs or medicines, and other than the facility services of a hospital or other health care facility. Sections 134.201 and 134.302 remain in effect for treatments and services provided prior to the effective date of the new rule, which has been changed to September 1, 2002. Reimbursement is determined in accordance with the rules in effect on the date that the professional medical service was provided. In accordance with Texas Labor Code §413.011(c), subsection (a) provides that chiropractors are an exception to the CMS payment policies, and may be reimbursed for services provided within the scope of their practice act. Specific provisions contained in the workers' compensation Act, or commission rules, shall take precedence over any conflicting provision adopted or utilized by CMS in administering the Medicare program. Additionally, subsection (a) requires use of the most recent payment policies adopted by the Medicare program, including updated relative value units, for compliance with commission rules, decisions and orders. The policies and reimbursement methodologies in effect for Medicare on the date a service is provided are the policies and reimbursement methodologies to be used in the workers' compensation system. This will allow the workers' compensation system to continuously synchronize with Medicare and will achieve the standardization goals established in HB-2600.

Language in subsection (a)(4) was modified to clarify the reference to the commission to maintain consistency throughout the rule. Additional changes to subsection (a)(4) clarify that Independent Review Organization (IRO) decisions are made on a case-by-case basis and that the commission will monitor IRO decisions to determine the necessity of further rulemaking action.

No changes were made to subsection (b) as proposed. Subsection (b) requires system participants to utilize the Medicare reimbursement methodologies, models, and values or weights including its coding, billing, and reporting payment policies for coding, billing, reporting, and reimbursement of professional medical services provided in the Texas workers' compensation system. This allows for the basic Medicare program provisions to be applied with any additions or exceptions necessary for adaptation to the Texas workers' compensation system. The Medicare program is not a static system. Medicare policies change frequently. To achieve standardization it is necessary to use the Medicare billing and reimbursement policies as they are modified by CMS. Adoption of policies in effect on a particular date would require participants in the Texas workers' compensation system to bill and reimburse in a manner different from the current Medicare system and other healthcare reimbursement systems. Therefore, the rule, in compliance with the statute, requires the use of the Medicare policies in effect on the day that a service is provided.

Changes were made to subsection (c) as proposed. Subsection (c) establishes the method to be used for determining the MAR for professional services in the Texas workers' compensation system. The MARs established in the 1996 MFG do not correlate with RBRVS unit values, and the change to the RBRVS in this rule will result in some significant increases and decreases for certain procedures. The use of a different relative value unit system, the RBRVS, results in a significant realignment of reimbursements among the CPT groupings. Based on internal commission analysis of its database of services provided during calendar year 2000, if there was no net change in total system reimbursement, the estimated realignment impact of applying the RBRVS system alone would be approximately:

Evaluation & Management: +48%

Medicine: -27%

Physical Medicine and Rehabilitation: -2%

Surgery: -27%

Radiology: -20%

Pathology: -53%

Anesthesiology: 0%

Mandated by statute, this realignment substantially changes reimbursement for some codes.

Subsection (c) establishes a conversion factor by setting a multiplier to apply to the Medicare conversion factor. In establishing this multiplier the commission considered the statutory requirements and objectives and utilized Medicare data, 1996 MFG commission reimbursement levels, other states' workers' compensation data, and available commercial payer information. The data reviewed consistently reflected 1996 MFG reimbursement equal to approximately 140% of the 2002 Medicare reimbursement and in the mid-range of commercial payer reimbursement as indicated in the Milliman reports.

Subsection (c) additionally establishes MARs for durable medical equipment, prosthetics, orthotics, supplies, laboratory services, dental treatments and services, and commission specific codes, services, and programs. Subsection (c)(3), regarding laboratory services, has been amended to include a reimbursement methodology for both the professional and technical components of pathology and laboratory services.

Subsection (c) also provides directions for a system of payment that allows a carrier to assign a relative value for a product or service that does not contain a relative value unit and/or a recommended payment amount in either the CMS system or as established by the commission. Carriers are to assign a relative value which is based on nationally recognized published relative value studies, published commission medical dispute decisions, and values assigned for services involving similar work and resource commitments.

No changes were made to subsection (d) as proposed. Subsection (d) provides that the reimbursement for professional medical services is the least of: the MAR as established by rule; the healthcare provider's usual and customary charge; or, the healthcare provider's applicable workers' compensation negotiated or contracted amount that applies to the billed service.

Changes were made to subsection (e) as proposed. Subsection (e) addresses payment policies relating to coding, billing, and reporting, of commission-specific codes, services, and programs. There are some services that are specific to and necessary in the Texas workers' compensation system that are not commonly used or not used at all in the Medicare system. Some examples of these services are: case management, functional capacity evaluation, impairment rating evaluation, designated doctor examination, and return to work rehabilitation programs. Subsection (e) sets out the payment policies relating to coding, billing, and reporting for those services. In addition, subsection (e) provides a list of modifiers to be used when billing commission-specific codes, services, and programs. The use of these modifiers will allow the commission to monitor patterns of usual, customary and reasonable medical charges, payments and treatment protocols for commission-specific services. The additions set out in subsection (e) are designed to reflect the standardized reimbursement structures found in other health care delivery systems with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements.

Based upon public comment and further review, the commission determined it was not necessary to establish reimbursement amounts for services valued by the Medicare RBRVS system. Therefore, proposed subsection (e)(4)(B), regarding job-site assessments, has been removed and reimbursement language in subsection (e)(4), regarding functional capacity evaluations (FCEs), has been amended to reflect this. As a result of these changes, subsection (e)(4)(A), regarding documentation requirements for tests and measurements, is no longer needed and has been deleted. In addition, a documentation requirement has been added to the FCE payment policies language and the title for subsection (e)(4) has been changed from "Tests and Measurements" to "Functional Capacity Evaluations (FCEs)." Payment policies regarding FCEs have been retained in subsection (e) because these payment policies are specific to the Texas workers' compensation system.

The commission clarifies that for billing and reimbursement of job-site assessment services the "Community/work reintegration training (e.g., shopping, transportation, money management, avocational activities and/or work environment/modification analysis, work task analysis, direct one-on-one contact by provider), each 15 minutes" CPT code should be used.

Another modification was made to subsection (e)(4), regarding functional capacity evaluations. The time limit requirements have been changed from "a maximum of five hours ($500) for the first test and for a commission ordered test; and, a maximum of two hours ($200) for a second and/or third test" to "a maximum of four hours for the initial test or for a commission ordered test; a maximum of two hours for an interim test; and, a maximum of three hours for the discharge test, unless it is the initial test." This was done to allow more time for the discharge test.

Modifications were also made to subsection (e)(5), regarding Return to Work Rehabilitation (RTW) Programs. Language was added to clarify that Section 1 standards, which are: Organizational Leadership, Management and Quality, in the Commission on Accreditation of Rehabilitation Facilities (CARF) Medical Rehabilitation Standards Manual apply only to CARF accredited RTW programs.

Additional language was modified to further clarify that Work Conditioning and Work Hardening programs do not have to be CARF accredited to be considered General Occupational Rehabilitation or Comprehensive Occupational Rehabilitation Programs. However, Work Conditioning and Work Hardening programs are required to meet the Specific Program Standards outlined in the CARF Medical Rehabilitation Standards Manual for General Occupational Rehabilitation or Comprehensive Occupational Rehabilitation Programs.

Subsection (e)(5) was amended to change the hourly reimbursement methodology for RTW programs. Language was changed from "Units of less than 31 minutes shall not be billed or reimbursed." to "Units of less than 1 hour shall be prorated by 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes."

Due to extensive public comment, substantial changes have been made to subsection (e)(6), regarding Maximum Medical Improvement and /or Impairment Rating (MMI/IR) examinations. Subsection (e)(6) has been revised to reorganize and simplify the billing and reimbursement provisions for MMI/IR examinations and assessments. The language has been restructured to quickly direct the healthcare provider to the applicable billing and payment policies. Also, the adopted rule has been amended to incorporate reimbursement of $50 for each additional IR calculation when multiple IRs are required as a component of a designated doctor examination. Language was added to clarify reimbursement amounts when the Diagnosis Related Estimates (DRE) method found in the AMA Guides to the Evaluation of Permanent Impairment (the AMA Guides), 4th edition, has been used. This further aligns reimbursement for impairment ratings with the AMA Guides.

In keeping with the simplification goal, the reimbursement structure for designated doctors and required medical examination (RME) doctors performing MMI examinations has been changed from a tiered reimbursement structure, which provided different reimbursement amounts depending on the amount of time elapsed since the date of injury and the role of the doctor, to a structure which provides one reimbursement amount for all MMI evaluations performed by these doctors. The adopted rule also eliminates the distinction between reimbursement amounts for MMI evaluations performed by designated doctors and RME doctors. In part, this change recognizes the recently adopted commission requirements that all doctors performing MMI/IR evaluations (not just designated doctors) be trained in the performance of this service. All MMI determinations (except those performed by treating doctors or referral doctors who have previously been treating the injured employee) will be reimbursed $350. For purposes of reimbursement, there is also little distinction between the examinations resulting in finding an employee not at MMI and the examinations finding that an employee has reached MMI. Equivalent reimbursement for these examinations is warranted because the work effort for both MMI and non-MMI certification examinations is similar. This will eliminate any appearance of economic incentive for a particular outcome.

Based on the number of MMI examinations billed in 2000, the adopted single reimbursement rate of $350 for these examinations is projected to result in an overall increase in the reimbursement to both designated doctors and RME doctors for these services. This increase should address any concerns that doctors would be discouraged or prevented from participating in the system as designated doctors or RME doctors; or, that the quality of the MMI/IR determinations would be adversely affected because of reimbursement. Also, the increase in overall reimbursement should compensate for the instances where a doctor is required to provide further clarification on a certification.

The commission received numerous comments on proposed subsection (e)(8), regarding Evaluation of Medical Care (EMC) examinations. After consultation with the commission's Medical Advisor and evaluation of the tasks necessary to perform EMC and Return to Work (RTW) examinations, the commission determined a parallel reimbursement for both of these types of examinations was appropriate. As a result, proposed subsection (e)(8), regarding EMCs, has been deleted and EMC examinations have been added to proposed subsection (e)(7), regarding RTW examinations. The reimbursement for both RTW and EMC examinations has been established at $350, with necessary testing to be billed and reimbursed separately. The title for subsection (e)(7) has changed from "Return to Work (RTW) Examinations" to "Return to Work (RTW) and/or Evaluation of Medical Care (EMC) Examinations."

Due to the extensive reorganization of subsection (e) and the various deletions in this subsection, additions and deletions of various commission specific modifiers was necessary in subsection (e)(10), regarding Commission Modifiers.

No changes were made to subsection (f) as proposed. Subsection (f) provides that the invalidation of a section of this subchapter or its application or applications to any person or circumstance by a court of competent jurisdiction does not affect other provisions or applications of the subchapter that can be given effect without the invalidated provision or application.

CONCLUSION

This new rule is adopted to comply with numerous and complex statutory mandates in the Texas Labor Code, §413.011. House Bill 2600 (HB-2600), adopted during the 2001 Texas Legislative Session, amended §413.011 to add new requirements for commission reimbursement policies and guidelines. A revision of the MFG that meets the rigorous statutory criteria was the goal of this new rule, and was achieved after the commission carefully and fully analyzed all of the statutory and policy mandates and objectives and all the facts and evidence gathered and submitted during the comment period, as well as all comments received. The commission utilized all of this, and its expertise and experience including recommendations from the commission's Medical Advisor, to develop this MFG which balances all the statutory mandates discussed in this preamble. Full and objective analysis and consideration were also given to all relevant factors and to all comments received, as evidenced by the revisions made from the rule as proposed and the commission's responses to comments in this preamble.

These include the requirements to ensure that injured workers receive the quality health care reasonably required by the nature of their injury as and when needed, those to ensure that fee guidelines are fair and reasonable, the statutory mandate to achieve effective medical cost control, and the requirements regarding standardization and use of current HCFA reimbursement methodologies, models, and values or weights.

Economic indicators in health care were also taken into account, as was the statutory requirement to use health care reimbursement policies and guidelines that reflect the standardized reimbursement structures found in other health care delivery systems with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements, and to provide for reasonable fees for the evaluation and management of care as required by §408.025(c) and commission rules. Also considered was the statutory condition that the fee guideline may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf.

The commission also considered increased security of payment, injured employee access to quality health care, workers' compensation system administrative complexity, and other aspects of workers' compensation that impose additional burdens or considerations upon workers' compensation system participants.

The commission did not adopt the Medicare fee schedule, nor did it adopt the conversion factor based solely upon the amount of HCFA's conversion factor. The adopted fee guideline does not restrict the ability of chiropractors to serve as treating doctors, and does not discriminate in the amount or method of payment or reimbursement for services in a manner prohibited by Section 3(d), Article 21.52, Insurance Code.

It is well-documented and acknowledged that Texas workers' compensation medical costs significantly exceed those in other states and in other health care delivery systems. Elsewhere in this preamble various relevant reports are noted and summarized. These reports showed Texas medical costs per claim to exceed comparable costs by percentages that range from 35% to 261%. Reports also showed that average workers' compensation medical costs for State of Texas injured employees were approximately six times higher per worker when compared with group health and that the cost of individual medical treatments is lower under the state group health system.

Effective control of medical costs should be achieved through a combination of management of the approved doctor list (ADL), utilization management, and establishment of fee schedules consistent with §413.011(d), as well as use of other statutory authority such as preauthorization revisions. These new features from HB-2600 will work together with the fee structure in the MFG to address cost containment including utilization of services in the system, as will use of Medicare payment policies and correct coding initiatives. It would be inappropriate for the commission to choose to address medical cost containment only by utilization control, and not by the fees that are reimbursed for workers' compensation services.

The use of a different relative value unit system, the RBRVS, by itself results in a significant realignment of reimbursements among CPT groupings. RBRVS has also been successful in reducing the number of surgeries provided under Medicare in spite of the price cuts for these services. Physician response to less important payers such as workers' compensation should be even more restrained. The realignment of reimbursements consistent with the RBRVS and the fees established in this MFG should not result in greater utilization of services in workers' compensation.

It is appropriate to benchmark to the Medicare reimbursement system for several reasons. HB-2600 requires the commission to adopt the most current reimbursement methodologies, models, and values or weights used by the federal HCFA to achieve standardization, including applicable payment policies relating to coding, billing, and reporting. Also, the Medicare system is a main component of the national health care system and has become a standard and benchmark for development and operation for many commercial and governmental health care programs, as well as workers' compensation programs in 17 states. Use of RBRVS aligns the basis for workers' compensation reimbursement with nationally recognized standards of relative values used in other health care delivery systems, and takes into account economic indicators in health care. For a given medical service, there is no good reason why Medicare and workers' compensation payment policies should differ. Adoption of Medicare payment policies should lead to reduced administrative costs, a reduced number of medical disputes and a reduction in unproductive costs for medical services.

The standard of living of the population covered by the Medicare program exceeds that of the population covered by the Act, allowing for the comparison required by the statute. The standard of living of the population covered by managed care plans is at least as high as the population covered by the Act. Use of Medicare as a benchmark, or point of reference, does not violate the statutory prohibition regarding basing conversion factors solely on the fact that they are the same as Medicare's.

WCRI has identified three reasons for using the Medicare physician's payment system as a guide to help design workers' compensation fee schedules. First, the Medicare fee schedule is the lowest in common use; because effective medical cost containment is a statutory goal, it is appropriate for Texas to consider this. Second, the Medicare fee schedule corrects a typical bias (which is reflected in the 1996 MFG) of traditional reimbursement systems that overcompensate providers for expensive invasive high-technology procedures and under compensate providers for less expensive noninvasive low-technology procedures. Third, Medicare fee schedules differ across states according to carefully researched measures of differences in the three elements of the costs of producing medical services: physicians' time and effort, practice expenses, and malpractice insurance premiums.

The RBRVS system used by Medicare values services according to the relative resources required to provide them, recognizing skill, practice cost, and risk. The relative value units reflect the relationship between the resources necessary to provide a professional medical service relative to resources necessary to provide other professional medical services. Use of a single conversion factor is necessary to maintain consistency in the utilization controls and incentives designed into the RBRVS system. If the numbers of relative value units assigned to each procedure by Medicare are retained, but markedly different conversion factors are used for the various medical sectors, this results in the loss of the some of the benefits of the Medicare RBRVS, because relative prices do not fully reflect relative costs and so the service mix does not fully adjust. This would not follow statutory intent.

Although Medicare is an appropriate benchmark, the commission has also used other benchmarks in setting the fees in this adopted fee schedule. As required by the statute, the commission has developed conversion factors or other payment adjustment factors in determining appropriate fees, taking into account economic indicators in health care. This includes the commercial private payer market and the median of that market. As stated by WCRI, it would be difficult to justify a fee schedule as a major cost containment tool if it exceeded what providers elect to receive, on average, in the free market.

The methodologies of an RBRVS system should be used with the conversion factor drawn from statewide data for commercial medical charges and actual payments for health care services in Texas. This also ties back well into §413.011(d) which provides that the guidelines may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf.

A market analysis of reimbursements from the 1996 MFG compared to commercial payers in Texas, workers' compensation systems from other states, and 2001 Medicare allowed fees in Texas, showed that the estimated commercial median in Texas was 38.7% greater than the 2001 Medicare conversion factor. Additionally, it is well known that although most commercial reimbursements are greater than Medicare some commercial reimbursements are below Medicare rates. The composite conversion factor for the 1996 MFG was higher than the median value for the commercial payers for surgery. Although surgical CPT codes (including the non-invasive surgical procedures such as injections) under the 1996 MFG are reimbursed in aggregate at 174% of Medicare fees, the relationship to Medicare fees varies significantly from one surgical code to the next, e.g.: approximately one third were reimbursed at or below Medicare fees; approximately 5% were reimbursed at less than half of Medicare fees; approximately 16% were reimbursed between 200 and 300% of Medicare fees; and approximately 5% were reimbursed at more than 3 times the Medicare fees.

In setting the 2002 MFG fees, the commission has used Medicare fees as a benchmark and has considered commercial market payments as indicative of economic indicators in health care, as required by the statute. The commission determines "fair and reasonable" is not based solely on the market value of services provided to injured employees. Fair and reasonable compensation in the Texas workers' compensation system is a balance of all the required components of the Act. These are rigorous statutory requirements, which are not easily balanced. In balancing the statutory mandates and objectives, the commission considered numerous issues, with the goal of establishing fair and reasonable fees that will assist in achieving effective medical cost control.

Treating physicians within the workers' compensation system are responsible for maintaining administratively time consuming functions such as, researching compensability, establishing relationships with carriers, and evaluating return to work. Because of these added responsibilities in workers' compensation, it is appropriate that the evaluation and management codes be upgraded to a higher level of reimbursement.

The following additional burdens and considerations specifically related to the workers' compensation system are different than in the Medicare system and are important in the development of the MFG: impact on access to quality care; administrative complexity in the workers' compensation system; commission return-to-work objectives; and requirements for training.

Review of comments in general comparison to the Medicare and managed care reimbursement systems, indicates similar security of payment standards exist between systems.

The adopted fees will not negatively impact injured employees' access to quality care. The current level of Medicare payment to physicians and surgeons is sufficient to provide reasonable access to quality medical care to injured workers. A 1999 MedPAC survey showed that physicians do not appear to be experiencing much difficulty when seeking specialty referrals for their FFS Medicare patients. The percentage of physicians participating in Medicare has increased every year since 1996. The inability of a patient to access a specific doctor is different from a problem of access to medical care. Specialist income growth has nearly doubled primary care physician income growth. Texas fees are higher than Medicare; there will be no impact on access to health care for injured employees.

In the newly adopted MFG, not all reimbursements are reduced from the 1996 MFG reimbursement amounts. The realignment of values for E/M codes, resulting from adoption of the RBRVS system significantly increases reimbursement to treating doctors as the gatekeeper in the workers' compensation system. This realignment indicates that since the adoption of the 1996 MFG evaluation and management services have been reimbursed at a level below the reimbursements in the Medicare system. Despite this below Medicare reimbursement for these services, the commission has not seen a corresponding reduction in availability of treating doctors. In addition to evaluation and management services, overall reimbursement for designated doctor examinations and required medical examinations are increased, as is reimbursement for anesthesia services.

If the Medicare experience is indicative of physician reaction to changes and reimbursement, the Texas workers' compensation system should not experience any significant access or quality problems as a result of the adopted fees. However, Medicare continually evaluates access to care issues, and the commission will have knowledge of any concerns that may be identified in the future.

Testimony on behalf of the Center for Studying Health System Changes showed that the extent to which payment cuts to Medicare physicians compromise Medicare patients' access to care, depends on the community where patients live. Because the median commercial reimbursement in Texas is slightly less than reimbursement under the 1996 MFG, the change in reimbursement should not put injured employees at risk in Texas.

Controlling the high costs per claim experienced in Texas is important; high costs per claim impact premium costs and the availability of coverage to Texas employers. In fact, almost half (48%) of current subscribers indicated that they would consider dropping coverage if premiums increased by some increment up to 20%.

Expensive care does not necessarily mean quality care. Texas, the second-highest state in Medicare per-capita spending, ranks in the bottom 20% with regard to quality care for Medicare beneficiaries.

The recommended reimbursement system will not result in a reduction in the quality of care provided to injured workers in Texas. Quality indicators have shown the implementation of strict utilization control, assessment, review mechanisms and quality control initiatives is efficacious, even while medical services in general have undergone monetary devaluation. The adopted workers' compensation reimbursement rates are reflective of market driven health care economics and will not suppress access to care.

There are additional burdens and considerations specifically related to the workers compensation system that are different from other health care systems, such as return to work objectives, training requirements and administrative requirements. These differences are acknowledged through the adopted multiplier, which increases reimbursement from that in the Medicare system.

With the comments and evidence gathered, the commission believes that, although greater than Medicare, the administrative burden of the workers' compensation system is probably not significantly different than managed care or commercial insurance. Most providers are already familiar with the Medicare policies; the use of standardized coding, billing, and methodology should facilitate office operations, eliminating the need to maintain a significantly different workers' compensation billing system. Except for a few commission specific services unique to the workers' compensation system, the MFG adopts Medicare payment policies. This standardization should allow physician office practices to achieve consistency in their workers' compensation and all other health care billing practices, thereby reducing time and administrative costs, and resulting in a net reduction in the administrative costs of compliance for Texas physicians. Medicare payment policies lead to a consistency of payment and will ultimately lead to reduced administrative costs. There should therefore be an increase in access for injured workers.

Physicians in the Texas workers' compensation system are currently paid and will continue to be paid an additional fee for some commission-required reports. The cost of initially determining coverage for an injured employee should not differ significantly from the cost for a new Medicare or group health patient. However, the commission agrees that the workers' compensation system has unique differences from other health care systems, and these differences are acknowledged through the multiplier, which increases reimbursement from that in the Medicare system.

To improve return to work statistics, health care providers, and especially treating doctors who are the gatekeepers of an injured employees medical care, must: provide appropriate treatment, provide prompt and continuing evaluation of whether the employee can return to work; establish target return to work date (modified/full duty); and communicate with the employee, employer, and insurance carrier. These are added responsibilities, which do not appear in other health care systems.

The HB-2600 amendments included changes related to regulating medical benefit delivery by: changing the commission's ADL and application process, including mandated doctor training and expanded financial disclosure. These new training requirements are another feature of the workers' compensation system that is not a part of other systems.

New §134.202 establishes reimbursement for professional medical services (healthcare other than prescription drugs or medicine, and the facility services of a hospital or other healthcare facility) provided on or after the effective date of the new rule. The new rule provides standardization of reimbursement methods and billing procedures by aligning the workers' compensation reimbursement structure with the structure used by the CMS. With minimal modifications, the rule adopts the most current reimbursement methodologies, models, and values or weights used by CMS relating to coding, billing, and reporting, and provides that the workers' compensation system change with the CMS system as it is revised. Necessary modifications to the Medicare system have been made to adapt it to features unique to the Texas workers' compensation system (such as the ability of chiropractors to serve as treating doctors and the use of designated doctors in the dispute resolution process). Taking into account economic indicators in health care and the differences between health care reimbursement systems, the commission has adopted a conversion factor that differs from the CMS conversion factor and increases the reimbursement amounts provided by the Medicare system. The adoption of the Medicare structure includes adoption of the RBRVS, which values evaluation and management services higher than the previously used relative value unit system.

Subsection (c) establishes a conversion factor by setting a multiplier to apply to the Medicare conversion factor. In establishing this multiplier the commission considered the statutory requirements and objectives and utilized Medicare data, 1996 MFG commission reimbursement levels, other states' workers' compensation data, and available commercial payer information. The data reviewed consistently reflected 1996 MFG reimbursement equal to approximately 140% of the 2002 Medicare reimbursement and in the mid-range of commercial payer reimbursement as indicated in the Milliman reports.

There are some services that are specific to and necessary in the Texas workers' compensation system that are not commonly used or not used at all in the Medicare system. Subsection (e) sets out the payment policies relating to coding, billing, and reporting for those services and provides a list of modifiers, which will allow the commission to monitor patterns of usual, customary and reasonable medical charges, payments and treatment protocols for commission-specific services. The additions set out in subsection (e) are designed to reflect the standardized reimbursement structures found in other health care delivery systems with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements.

As suggested by the Legislative Stakeholder group, the Texas workers' compensation system as a whole will benefit by bringing its payment policies and unit costs in line with mainstream medicine. Adoption of Medicare policies should lead to a reduction in administrative costs, a reduced number of medical disputes, and a reduction in unproductive costs for medical services, as discussed throughout this preamble.

Realignment of relative values may discourage over-utilization of services that have been assigned a relative value higher than that in other systems. This benefits injured employees by preventing unnecessary treatment and delayed return to work. The same impact may occur if the new rule limits or disallows payment for medical care that is not proven medically efficacious. A decrease in medical costs may increase the number of employers who elect workers' compensation coverage, and injured workers will benefit from that coverage.

The commission estimates the difference in reimbursement under the previous MFG when compared to reimbursement under the new MFG by category as follows:

Evaluation & Management: + 31%

Medicine: - 35%

Physical Medicine and Rehabilitation: - 13%

Surgery: - 35%

Radiology: - 29%

Pathology: - 43%

Anesthesiology: + 13%

Healthcare practitioners will benefit from the use of standardized and current methodologies, models, and value units, and use of standardized reporting, billing, and coding requirements. Some healthcare practitioners will receive more reimbursement than under the previous MFG, while others will receive less, depending on the mix of professional medical services they typically provide to patients.

Insurance carriers will likewise benefit from use of standardized and current methodologies, models, and value units, and use of standardized reporting, billing, and coding requirements, which will allow for administrative consistency and simplification. Pursuant to §408.021 of the Texas Labor Code, injured employees are entitled to all health care reasonably required by the nature of the injury as and when needed to cure or relieve the effect naturally resulting from the compensable injury, promotes recovery or enhances the ability of the employer to return to or retain employment. To the extent that this entitlement may differ from the entitlement of the Medicare recipients, the decision of the commission through its dispute resolution process must take precedence over the provisions adopted or utilized by CMS in administering the Medicare program. Subsection (a)(4) states that: "Specific provisions contained in the Texas Workers' Compensation Act (Act), or Texas Workers' Compensation Commission (commission) rules, including this rule, shall take precedence over any conflicting provision adopted by utilized by CMS in administering the Medicare program. Exceptions to Medicare payment policies for medical necessity may be provided by commission rule. Independent Review Organization (IRO) decisions regarding medical necessity are made on a case-by-case basis. The commission will monitor IRO decisions to determine whether commission rulemaking action would be appropriate."

The Medicare program is not a static system, and the commission agrees that to achieve standardization with CMS it is necessary to include the CMS coding and terminology changes at the time they are modified by CMS. Therefore, the rule requires the use of the Medicare policies in effect on the day that a service is provided. This allows the commission to maintain standardization as required by HB-2600.

Comments generally supporting new §134.202 as proposed were received from the following groups:

Alliance of American Insurers, American Insurance Association, Concentra Health Services, Concentra Medical Centers, EMPI, Inc., E.R. Carpenter, L.P., Harris Methodist, HEB Physical Medicine & Rehab, Insurance Council of Texas, Physician Management Services, Inc., PMSI, Research and Oversight Council on Workers' Compensation, South Texas Sports Medicine, St. Paul Insurance, Texas Association of Business and Chambers of Commerce, Texas Academy of Physician Assistants, Texas Health Resources Texas Orthopedics, Work Ready Rehabilitation Centers, and WorkScripts, L.P.

Comments generally opposing new §134.202 as proposed were received from the following groups:

Addison Concentra Medical Center, Advanced Neuromodulation Systems, Inc., Advanced Orthopedic Institute, Amarillo Bone & Joint Clinic, L.L.P., American Pain & Wellness, American Society for Surgery of the Hand, AmeriMed International, Inc., Anesthesia Consultants of Dallas, L.L.P., Arlington Memorial Hospital, Arlington Orthopedic Associates, P.A., Athens Orthopedic Center, Austin Bone and Joint Clinic, Austin Sports Medicine, Ballpark Chiropractic and Rehab, Barron Risk Management Services, Bay Oaks Orthopaedics & Sports Medicine, Baylor College of Medicine, Baylor University Medical Center in Dallas, Beaumont Bone & Joint Institute, Bedford Chiropractic Center, Bexar County Medical Society, Body Knowledge, Inc., Center for Musculoskeletal Medicine, Center for Orthopaedic Specialists, Center for Orthopaedic Surgery & Sports Medicine, Central Texas Rehabilitation Medicine, College Station Medical Center, Concentra Health Services, Concentra Medical Centers, Crossroads Neurosurgical Associates, Crutchfield Evaluation Centers, East Houston Orthopedics & Sports Medicine, PA, East Texas Medical Center Rehabilitation Hospital, East Texas Neurology, East Texas Neurosurgical Associates, P.L.L.C., East Texas Treatment Center, EMG Technologies Inc., EMPI, Inc., First Pain Associates of Texas, Fort Worth Injury Rehabilitation Clinic, Fort Worth Orthopedic Surgery & Sports Medicine, Galaxy Health Care Centers, Golden Triangle Neurocare, Greater North Texas Pain Society, Hampton Road Chiropractic Clinic, Hansen Associates, Healthsouth Corporation, Healthsouth Sports Medicine & Rehabilitation, HNCRC, Houston Back Institute, Houston Hand & Upper Extremity Center, Houston Spine Surgery, Impairment Evaluation Center, Insurance Council of Texas, JI Specialty Services, Inc., King Chiropractic, P.C., KSF Orthopaedic Center, Lone Star Orthopaedics, McAllen Orthopedic Association, McKinzie Chiropractic, Medical Center Orthopaedics, P.A., Medical Evaluation Specialists, Medtronic Midas Rex, MedWay Health Systems, Mesquite Orthopaedic Clinic, Midland Orthopedic Clinic, Millennium Rehabilitation Center, Neuro Care Network, Neurological Services of Texas, Neurology Clinic of San Antonio, North Houston Medical, North Texas Orthopaedic Association, North Texas Physical Therapy, North Texas SpineCare, L.L.P., Northview Chiropractic Center-Nacogdoches, Oak Cliff Orthopaedic Associates, OccMD Group, P.A., Occupational Orthopaedics Specialists, Orthopaedic Associates of Corpus Christi, Orthopaedic Surgery and Sports Medicine, Park Plaza Hospital, Patient Advocates of Texas, Physician Management Services, Inc., Physician's Pain Management, Pinnacle Anesthesia Consultants, P.A., Plano Orthopedic, PMSI, PRS, Inc., Regional Plastic Surgery Association, Research and Oversight Council for Workers' Compensation, Retina Specialists, P.A., Scott & White, Severance & Association, Shannon Clinic, SME, South San Physical Therapy & the Industrial Work Recovery Center, South Texas Sports Medicine, Southwest Neurological Surgery Associates, P.A, Spine and Joint Center, St Joseph Radiology Association, STAR Anesthesia, P.A., Stephenville Medical and Surgical Clinic, Stephenville Sports Rehab & Physical Therapy, Inc., Supplemental Texas Provider Resource, Tejas Anesthesia, P.A., Tejas Work Comp & Auto Injury Clinic, Texas AFL-CIO, Texas Back Institute, Texas Chiropractic Association, Texas College of Occupational and Environmental Medicine, Texas Dental Association, Texas Hand Center, Texas Medical Association, Texas Neurosciences Institute, Texas Occupational Therapy Association, Inc., Texas Orthopedic Association, Texas Orthopedics Sports and Rehabilitation Association, Texas Pain Society, Texas Physical Therapy Association, Texas Provider Resource, Texas Society of Anesthesiologists, Texas Society of Pathologists, Texas Society of Psychiatric Physicians, Texas Sports Medicine & Orthopaedic Group, The Hand Center of San Antonio, The Medical Equation, Inc., The San Antonio Orthopaedic Group, L.L.P., Thompson Orthopedic Clinic, P.A., Trinity West Urgent Care Center, University of Texas Southwestern Medical Center at Dallas, UTMB, Victoria Orthopedic & Surgery Association, Victoria Radiology Associates, W.R. Beavers, M.D., and Assoc., Warm Springs Rehabilitation System, Wholeperson Institute, Wol-Med, Work Ready Rehabilitation Centers, WorkScripts, L.P.

Comment neither generally supporting or opposing new §134.202 as proposed, but suggesting changes or asking questions were received from the following groups:

Addison Concentra Medical Center, Advanced Orthopedic Institute, American Insurance Association, American Pain & Wellness, American Society for Surgery of the Hand, AmeriMed International, Inc., Anesthesia Consultants of Dallas, L.L.P., Austin Sports Medicine, Baylor College of Medicine, Baylor University Medical Center, Beaumont Bone & Joint Institute, Bexar County Medical Society, Body Knowledge, Inc., Center for Musculoskeletal Medicine, Center for Orthopaedic Surgery & Sports Medicine, Central Texas Rehabilitation Medicine, Coalition for Nurses in Advanced Practice, Concentra Health Services, Concentra Medical Center, Concentra Medical Center of Garland, Crossroads Neurosurgical Associates, Crutchfield Evaluation Centers, East Texas Medical Center Rehabilitation Hospital, East Texas Neurosurgical Associates, P.L.L.C., EMG Technologies Inc., EMPI, Inc., Family Chiropactic Clinic, First Pain Associates of Texas, Fondren Orthopedic Group, Golden Triangle Neurocare, Greater North Texas Pain Society, Hampton Road Chiropractic Clinic, Harris Methodist HEB Physical Medicine & Rehabilitation, Healthsouth Corporation, Healthsouth Sports Medicine & Rehabilitation, HNCRC, Houston Back Institute, Houston Spine Surgery, Impairment Evaluation Center, Insurance Council of Texas, JI Specialty Services, Inc., Kaspar Wire Works, McAllen Orthopedic Association, McKinzie Chiropractic, Medical Center Orthopaedics, P.A., Medical Evaluation Specialists, Medtronic Midas Rex, MedWay Health Systems, Mesquite Orthopedic Clinic, NeuroCare Network, Neurological Services of Texas, Neurology Clinic of San Antonio, North Houston Medical, North Texas Orthopaedic Association, North Texas Physical Therapy, North Texas SpineCare, L.L.P., OccMD Group, P.A., Orthopaedic Surgery and Sports Medicine, Patient Advocates of Texas, Physician Management Services, Inc., Pinnacle Anesthesia Consultants, P.A., PMSI, Podiatrist Reimbursement Specialists, Professional Therapy Services of Texas, PRS, Inc., Research and Oversight Council on Workers' Compensation, Severance & Association, Shannon Clinic, SME, South San Physical Therapy & Industrial Work Recovery Center, South Texas Sports Medicine, Southwest Neurological Surgery Associates, P.A., Spine and Joint Center, St. Joseph Radiology Association, Stephenville Medical and Surgical Clinic, Stephenville Sports Rehab & Physical Therapy, Inc., Tejas Anesthesia, P.A., Texas AFL-CIO, Texas Association of Business and Chambers of Commerce, Texas Chiropractic Association, Texas College of Occupational and Environmental Medicine, Texas Hand Center, Texas Health Resources, Texas Medical Association, Texas Neuroscience Institute, Texas Occupational Therapy Association, Inc., Texas Orthopedic Association, Texas Orthopedics Sports and Rehabilitation Association, Texas Pain Society, Texas Physical Therapy Association, Texas Provider Resource, Texas Society of Anesthesiologists, Texas Society of Pathologists, Texas Society of Psychiatric Physicians, Texas Sports Medicine & Orthopaedic Group, The San Antonio Orthopaedic Group, L.L.P., The University of Texas Southwestern Medical Center at Dallas, Thompson Orthopedic Clinic, UTMB, Victoria Radiology Associates, Warm Springs Rehabilitation System, Wholeperson Institute, Wol Med, Work Ready Rehabilitation Centers, WorkScripts, L.P.

Summaries of the comments and commission responses are as follows:

Subsection (a)

COMMENT: Commenter recommended ongoing education between the commission and the appropriate associations in order to alleviate over-utilization of services not allowed under respective licensing acts.

RESPONSE: The Texas Workers' Compensation Commission (commission) agrees that educational sessions among professional associations and the commission would be beneficial to association members regarding the implementation of current rules, effective dates, etc. which is a service provided by the commission. However, the commission disagrees that it has an educational responsibility related to scope of practice issues. The commission neither establishes practice acts nor licenses healthcare providers. Individual practitioners have the responsibility to provide services within the parameters of their license and the scope of their practice act. Communication with the licensing boards and associations would, however, be helpful to the commission. Over-utilization is related to medical necessity and quality of care issues rather than a function of licensure. The office of the Medical Advisor and the Medical Quality Review Panel (MQRP) are actively involved in studying and addressing over-utilization and quality of care issues.

COMMENT: Commenters expressed concerns that Centers for Medicare and Medicaid Services (CMS) payment policies do not provide for the reimbursement of certain modalities and procedures, such as hot and cold packs, which are known to be common, necessary and appropriate treatment for injured employees, and used for proper and complete rehabilitation. Commenters recommend these modalities be made exceptions to the CMS payment policies for the reimbursement under the Texas workers' compensation system, as well as allowing an exception for therapy evaluation and treatment to occur on the same day.

RESPONSE: The commission disagrees with commenters' recommendations. Allowing an exception for these particular modalities or procedures would be contrary to the standardization efforts required by House Bill 2600 (HB-2600). CMS devotes significant resources to develop its coding, billing, and reimbursement policies, including input from physician and provider panels. These evaluations include medical efficacy and reimbursement considerations. Currently CMS policy identifies hot packs and cold packs as part of bundled services; consequently they are not reimbursed separately. Pursuant to HB-2600, the commission is to adopt HCFA payment policies relating to coding, billing, and reporting. Stakeholders have noted that passage of HB-2600 was driven by the universal understanding that over-utilization of medical services is a major problem in the Texas workers' compensation system. Carriers believe that use of the HCFA ground rules and guidelines will help curtail some of the abuses in the current system. (Alliance of American Insurers, correspondence dated October 4, 2001) Correct Coding Initiative (CCI) edits, global billing rules, multiple procedure rules and other Medicare payment policies have been carefully integrated with the Medicare relative values. The relative value for a particular procedure is calculated by specifically including the costs and resources that are bundled with that procedure by Medicare's standard rules. Adopting RBRVS values without the bundling rules could lead to inequities among healthcare providers. Medicare's medical edits and payment guidelines recognize nationally accepted standards of care (e.g., CCI) and reporting requirements (e.g., American Medical Association (AMA) Current Procedural Terminology (CPT)) that have been carefully scrutinized for appropriateness by the AMA and the specialty societies. (Texas Medical Association correspondence received October 4, 2001) Diverging from those should be limited and should be based upon sound data and statutory or policy conflicts between Medicare and the workers' compensation system.

COMMENT: Commenter recommended the development of a commission fast-track method for gaining reimbursement approval for new modalities and procedural advancements.

RESPONSE: The commission disagrees. The commission is required by HB-2600, to adopt Medicare program reimbursement methodologies, models and values or weights including coding, billing, and reporting payment policies. These include Health Care Procedural Coding System (HCPCS) level I and II codes and the related coding instructions and coding edits. The AMA has a detailed process to adopt new CPT codes, including codes for new and/or emerging technologies. Additionally, CMS has a systematic approach to evaluate the efficacy of new technologies or procedures and if appropriate develop relative values to allow reimbursement in the RBRVS system. CMS has significant resources available to review and develop these policies. Since one of the stated goals of HB-2600 is standardization, adhering to this system and approach keeps the workers' compensation system consistent with the Medicare system in the absence of any statutory or policy conflicts between Medicare and the workers' compensation system.

COMMENT: Commenter recommended that the commission's Medical Fee Guideline (MFG) define services that are allowable and medically necessary and disallow reimbursement of services deemed ineffective, unreasonable, or inefficient as per CMS payment policies.

RESPONSE: The commission disagrees that medically necessary services should be further defined through the MFG. CMS policies establish a method of dealing with these services. Adoption of CMS coding, billing, and reporting payment policies incorporates these same policies into the Texas workers' compensation system.

COMMENT: Commenters expressed concerns with the proposed concept of allowing medical dispute resolution to make an exception to the CMS payment policies, stating that making or granting an exception to an adopted rule would constitute illegal rule-making, and would prevent the goal of achieving standardization. Commenter's opinion was that the commission could amend the MFG and create an exception to CMS policy with justification as to the minimal modification; or, that a system participant could submit a formal request asking that CMS revisit a payment policy when the issue is a medical disagreement on appropriate treatment, and not because of a unique workers' compensation feature. Commenters stated that the wording in this subsection requires clarification, and recommendations were made for elimination or substitution of the second sentence in the subsection. The language recommendation was, "Exceptions to the Medicare payment policies for medical necessity may be provided by commission rule."

RESPONSE: The commission agrees to clarify that exceptions to Medicare payment policies for medical necessity may exist. Because of the differences between the Texas workers' compensation system and the Medicare system, the Act specifically acknowledges the necessity to make "minimal modifications" to the reimbursement methodologies as necessary to meet occupational injury requirements. Pursuant to §408.021 of the Texas Labor Code, injured employees are entitled to all health care reasonably required by the nature of the injury as and when needed to cure or relieve the effect naturally resulting from the compensable injury, promotes recovery or enhances the ability of the employer to return to or retain employment. To the extent that this entitlement may differ from the entitlement of the Medicare recipients, the decision of the commission through the IRO process will be made on a case-by-cases basis and will take precedence over the provisions adopted or utilized by CMS in administering the Medicare program. Subsection (a)(4) states that: "Specific provisions contained in the Texas Workers' Compensation Act (Act), or commission rules, including this rule, shall take precedence over any conflicting provision adopted by utilized by CMS in administering the Medicare program. Exceptions to Medicare payment policies for medical necessity may be provided by commission rule. Language is amended in adopted subsection (a)(4) to clarify that IRO decisions are made on a case-by-case basis and that the commission will monitor IRO decisions to determine the necessity of further rulemaking action.

COMMENT: Commenter expressed support for the proposed language in subsection (a)(5), stating that it complies with the provisions of HB-2600.

RESPONSE: The commission agrees that the adopted rule is compliant with HB-2600 requirements.

COMMENT: Commenter recommended that in addition to the regular CMS updates, the commission should institute an annual medical consumer price index (CPI) update factor to be applied to the conversion factor, and offered that this approach is used by other states, is designed to ensure adequate adjustment of reimbursement levels based on measurable cost increases, and can be understood as a common, general practice of the costs of doing business.

RESPONSE: The commission disagrees that this subsection of the rule requires the addition of a CPI factor. Conversion factor recommendations are addressed later in this preamble relating to subsection (c) of this rule.

COMMENT: Commenter recommended clarification of subsection (a)(5) as it is not clear if the proposed language in this subsection is meant to apply to all aspects of revisions made by CMS, including the updated changes in the pricing, the reimbursement rates, the payment policies, and the listed fees for HCPCS codes. Commenter suggested that such linking of the Texas workers' compensation system to the CMS system be more clearly defined, enforced, and utilized for compliance.

RESPONSE: The commission disagrees with the need for clarification to subsection (a)(5). The rule requires that whenever a component of the Medicare program (including payment policies, coding, billing and reporting) is revised and effective it shall be required for compliance with commission rules, decisions and advisories. This allows the commission to maintain standardization as required by HB-2600. This is intended to include Medicare revisions to the conversion factor.

Subsection (b)

COMMENT: Commenters agreed with the adoption of a standardized reimbursement system based on Medicare parameters, protocols and use of the RBRVS structure, stating that it complies with the provisions of HB-2600, and that it will provide many opportunities for improvements in the Texas workers' compensation system. Commenter recommended that the commission emphasize that along with adoption of the Medicare reimbursement system, the commission is also adopting changes and/or revisions made by CMS. Commenter recommends that changes and/or revisions made by CMS should be clearly defined, enforced and utilized for compliance.

RESPONSE: The commission agrees that the adoption MFG complies with the provisions of HB-2600 and will provide opportunities for standardization in the Texas workers' compensation system. Section (a)(5) states, "Whenever a component of the Medicare program is revised and effective, use of the revised component shall be required for compliance with commission rules, decisions and orders for services rendered on or after the effective date of the revised component." As CMS revises the Medicare program the notices and explanatory information provided by CMS will also be applicable to the Texas workers' compensation system. This alleviates the necessity for the commission to provide explanation except where necessary for special features of the workers' compensation system.

COMMENT: Commenters opposed the linking of workers' compensation to Medicare, stating that this comparison is improperly skewed and not in the best interests of either the injured employee or the employer. Commenters further expressed concerns regarding the adoption of Medicare's procedures associated with the application of RBRVS methodology to the commission's MFG. Commenters also expressed that it was not worth the extra training to learn the Medicare guidelines or to risk penalties up to $10,000 for accidental filing errors. Additionally, under Medicare, most patients carry supplemental Medigap insurance to cover the difference in the billing and allowable; no such "TWCC-Gap," second carrier, was proposed to cover the unpaid difference.

RESPONSE: The commission disagrees with commenters' assertion that workers' compensation should not be linked to Medicare. The link is mandated by Texas Labor Code §413.011(a). In addition, the commission's proposed use of the RBRVS relative value units and the current Medicare payment policies are mandated by §413.011. Healthcare providers who are not already familiar with Medicare may need extra training to learn the Medicare guidelines. Whether to obtain such training is a business decision each health care provider must make. Regarding the issue of administrative penalties, the commission agrees that the statute provides that a health care provider who commits repeated administrative violations can be subject to such penalties. However, except when the commission finds that the practice was willful or part of an uncorrected pattern of practice, the commission usually does not assess penalties of $10,000 per violation. The commission's chief goal in taking any enforcement action is to ensure future compliance. Therefore, a provider who had bill submission problems would likely have one or more opportunities to correct the problems before facing significant penalties. The commission disagrees that Medigap covers the difference between the billed amount and the allowable. Medigap Insurance is a health insurance policy or other health benefit plan offered by a private entity to those persons entitled to Medicare benefits and is specifically designed to supplement Medicare benefits. It fills in some of the "gaps" in Medicare coverage by providing payment for some of the charges for which Medicare does not have responsibility due to the applicability of deductibles, coinsurance amounts, or other limitations imposed by Medicare. It does not include limited benefit coverage available to Medicare beneficiaries such as "specified disease" or "hospital indemnity" coverage. Also, it explicitly excludes a policy or plan offered by an employer to employees or former employees, as well as that offered by a labor organization to members or former members. Secondary insurance in the workers' compensation system is irrelevant because coverage in workers' compensation is different than in Medicare. Claims are paid at the MAR, which is the total allowable in the workers' compensation system, for which the insurance carrier is liable. There are no deductibles that injured employees are responsible for in the workers' compensation system. Consequently, there would be no need for "TWCC-Gap" coverage or secondary insurance.

COMMENT: Commenter opposed the proposed rule stating that it is not consistent with Medicare methodology by including the requirement for non-standard coding that will prevent compliance with federal law Health Insurance Portability and Accountability Act (HIPAA) requirements. Commenter opposed the proposed rule stating that it will force Texas workers' compensation claims to be indefinitely tied to a paper based filing system by not requiring the electronic transmission of claims.

RESPONSE: The commission disagrees that the MFG is not consistent with Medicare methodology; the adopted rule implements the standardization required by HB-2600 "with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements." The commission has adopted the coding, billing and reimbursement policies developed and implemented by CMS. These cover the vast majority of services in the workers' compensation system. The MFG requires the use of specific non-standard coding for only the few workers' compensation treatments and services in Texas not adequately addressed through the standard coding requirements of CMS. These minimal modifications have been adopted to maintain the maximum standardization between Medicare and commission coding. The current billing rules, Chapter 133, Subchapter "D" regarding Dispute and Audit, do not require electronic billing; however, future commission efforts are likely to address and move toward electronic billing to comply with all applicable HIPAA regulations within the required timeframes.

COMMENT: Commenter expressed concern that although Medicare appears to be a more organized approach, there may be many unresolved problems in the Medicare system. Commenter opposes adoption of the Medicare coding, billing and payment policies stating that most workers' compensation healthcare providers do very little Medicare billing because of the constantly changing policies.

RESPONSE: As with the implementation of any system, there may be some unanticipated problems, which will need to be worked out. The Medicare reimbursement system is well established and commonly utilized throughout the health care system. The commission is mandated by §413.011(a) of Texas Labor Code to "...adopt the most current reimbursement methodologies, models, and values or weights used by the federal Health Care Financing Administration, including applicable payment policies relating to coding, billing, and reporting..." The commission disagrees that most workers' compensation healthcare providers do very little Medicare billing because of the constantly changing policies. Healthcare providers consider many factors regarding business decisions for their practice. Stakeholders have repeatedly told the commission that most healthcare providers are familiar with the Medicare program and the standardization that comes with the Medicare system would be a positive adjustment for the Texas workers' compensation system. Although healthcare providers may make individual practice decisions concerning the acceptance of Medicare or workers' compensation reimbursement, the changing policies may be only one component of that decision. Throughout the development of HB-2600 and during various stakeholder meetings stakeholders expressed support for the standardization achieved through the adoption of the CMS billing, coding, billing and reporting because it is already a component of most healthcare providers' practices.

COMMENT: Some commenters opposed the proposed rule stating that the rule does not state what the Medicare policies are, including billing and reimbursement policies. Commenter requested that when Medicare adds a code that the commission adopts the same code to remain current with the latest medical terminology. Commenter asked if the fee guidelines would permit reimbursement for the application of a cold pack for acute inflammation or acute exacerbation. Commenter asked what will be required of healthcare providers regarding the timing of services provided; for instance, will a healthcare provider who provides services in less than 23 minutes, be allowed to only bill one unit of service, and, are resting and restroom times to be deducted from timed services? Commenter asked for an explanation as to why nurse practitioners are not covered as first assistants under Modifier 85 of the guidelines. Commenter asked for clarification as to how to interpret reimbursement for services provided by Advance Practice Nurse (APN) and whether they would be able to bill under their own name. Commenter asked if Certified Registered Nurse Anesthetists (CRNAs) would be reimbursed at 100% as in the previous rule.

RESPONSE: The commission disagrees that the MFG should specifically state the Medicare billing and reimbursement policies. The rule clearly identifies that the commission adopts for coding, billing, reporting and reimbursement of professional medical services the Medicare program reimbursement methodologies, models, and values or weights including its coding, billing, and reporting payment policies in effect on the date the service is provided. Any additions or exceptions are specified in the text of the rule. Specific provisions of the Act or commission rules, such as preauthorization and payment time frames, take precedence over any conflicting Medicare policies. The Medicare program is not a static system, and the commission agrees that to achieve standardization with CMS it is necessary to include the CMS coding and terminology changes at the time they are modified by CMS. Therefore, the rule requires the use of the Medicare policies in effect on the day that a service is provided. The commission clarifies that for resolving issues regarding cold packs, the timing of services, nurse practitioners, and CRNA reimbursement, healthcare providers and insurance carriers should use the most current CMS policies that are in effect on the date of service.

COMMENT: Commenters opposed the CCI edits for a variety of reasons, stating that the edits are frequently arbitrary and capricious; commenters also recommended either omitting the edits or creating a separate set of CCI edits for the Texas workers' compensation system. Commenter recommends dropping the CCI edits and creating a separate set for the Texas workers' compensation system.

RESPONSE: The commission disagrees that the CCI edits should be deleted or that the commission should create a separate set of edits for Texas workers' compensation. The commission is mandated to adopt the federal HCFA, now called CMS, policies, as related to coding. The HCFA coding policies include CCI edits, which are important components of the Medicare system. Adhering to this component of the system helps assure that the commission achieves and maintains the goal of standardization as outlined in HB-2600. The commission disagrees that the edits are arbitrary and capricious regarding any health care specialty. The composition of the AMA's Correct Coding Policy Committee (CCPC) provides a balanced evaluation of the proposed edits prior to CMS adoption. At AMA's insistence, "the HCFA process of implementing CCI edits includes a review of the proposed coding edits by the CCPC prior to implementation. The CCPC is comprised of 14 physicians from various specialties, as well as 1 non-MD/DO health professional who represent the interests of those non-MD/DO's that use CPT to report their services. The CCPC has coordinated a process for each of 4 phases of the CCI to allow for comment on any edit proposed. . . prior to implementation by all Medicare carriers." Since the adoption of the CCI edits, CMS has added, deleted and/or modified specific code edits based on public comment. CCI edits, global billing rules, multiple procedure rules and other Medicare payment policies have been carefully integrated with the Medicare relative values. The relative value for a particular procedure is calculated by specifically including the costs and resources that are bundled with that procedure by Medicare's standard rules. Adopting RBRVS values without the bundling rules could lead to inequities among healthcare providers.

COMMENT: Commenters opposed the physical therapy code edits stating that an organization contracted to CMS writes the edits, and that the edits are written for the purpose of bundling. Commenter opposed the use of the CCI edits stating the edits prevent the use of many effective modalities and procedures for the treatment of certain diagnoses as well as preventing the therapist from using sound judgment in selecting the most effective method of patient treatment. Commenter recommends that the commission consider the 20 code edits that are a hindrance to successful recoveries and timely worker rehabilitation as noted by physical therapists.

RESPONSE: The commission disagrees that the CCI edits are written specifically for the purpose of bundling. According to CMS, the purpose of the edits is to "identify and eliminate the incorrect coding of medical services" and to "promote national correct coding methodologies and to control improper coding leading to inappropriate payment. The code edits were developed based on review of CPT code descriptors, CPT coding instructions and guidelines, local Medicare carrier and national edits, and Medicare billing history." CMS further says, "The CCI edits are pairs of CPT or HCPCS Level II codes that are not separately payable except under certain circumstances. The edits are applied to services billed by the same provider for the same beneficiary on the same date of service." The commission further disagrees that the CCI edits prevent or restrict the use of effective modalities, procedures and treatments or are a hindrance to successful recoveries and timely worker rehabilitation. It is the healthcare providers' responsibility to render medically necessary and reasonable treatments or services. The commission disagrees with the commenters' recommendation to consider modification to the CCI edits. The CCI edits are carefully integrated with Medicare policies and RBRVS, Medicare's medical edits and payment guidelines, recognized nationally accepted standards of care and reporting requirements that have been carefully scrutinized for appropriateness by the AMA and specialty societies. Since the adoption of the CCI edits CMS has added, deleted and/or modified specific code edits based on public comment, specifically codes that affect physical medicine and rehabilitation. Healthcare provider issues or concerns regarding specific CCI edits, may be submitted to: National Correct Coding Initiative, AdminaStar Federal, Inc., P.O. Box 50469, Indianapolis, IN 46250-0469.

COMMENT: Commenter opposes the CCI edits stating that the commission as well as healthcare providers will be required to edit the codes every 4 months to stay in sync with Medicare edits. Commenter questioned who will keep track of which policy is in place on a given day.

RESPONSE: The commission disagrees. It is the function of CMS to edit the codes every four months; the commission and healthcare providers will be required to implement the edits as CMS makes the changes. Software programs for CCI edits are easily obtainable and can be purchased with updates applied by the manufacturer as they are published. Most of the health care claims industry use CCI edits and are very familiar with the process of updating. It is necessary that the workers' compensation system maintain consistency with the Medicare system to provider standardization with other reimbursement structures. System participants may obtain copies of the CCI Policy and Edits Manual from the National Technical Information Service (NTIS) website at www.nti.gov/product/correct-coding.htm , or by contacting NTIS at 1-800-363-2068 or 703-605-6060.

COMMENT: Commenter is concerned that adopting a Medicare reimbursement system will adopt many of the rules that only apply to a HCFA program, that Medicare excludes diagnoses used in the workers' compensation system, that many of the rules as well as the CCI edits have no relevance to workers' compensation and that the commission assumes that the younger working population should be treated like senior citizens. Commenters stated that the CCI edits will greatly restrict the types of treatment injured workers receive in order to return to work. Commenters expressed concern that carriers will adopt the CCI edits not relevant to the workers' compensation system, resulting in a huge administrative expense to the system as well as to the medical dispute resolution process. Commenters further oppose the CCI edits stating that Medicare does not address return to work goals, which are not an issue in the Medicare system.

RESPONSE: The commission disagrees. The use of CCI edits is currently a common business practice for processing medical claims by non-Medicare health care systems. In fact, some carriers used the CCI edits to process both group health and workers' compensation claims prior to the adoption of this rule. This use would indicate the CCI edits are applicable to both the Medicare and non-Medicare populations. The commission disagrees that certain diagnoses are excluded from the Medicare system; Medicare policies do, however, exclude coverage for specific treatments that are considered experimental or have not yet been proven efficacious or are contradictory or not indicated for the diagnosis. These coverage issues are included in the CCI edits and are appropriate for workers' compensation claims as well as other types of claims. HB-2600 specifically directed the commission to "adopt the most current reimbursement methodologies, models, and values or weights used by the federal Health Care Financing Administration (HCFA) to achieve standardization, including applicable payment policies relating to coding, billing and reporting..." Additionally, it is the healthcare providers' responsibility to render medically necessary and reasonable treatments or services. Exceptions to Medicare payment policies for medical necessity may be provided by commission rule. Subsection (a)(4) clarifies that Independent Review Organization (IRO) decisions are made on a case-by-case basis and that the commission will monitor IRO decisions to determine the necessity of further rulemaking action. The commission disagrees that the use of the CCI edits will result in a huge administrative expense to the system since the CCI edits are an important component of standardization, a goal of HB-2600 and according to stakeholders are already a consideration in a majority of provider practices. From previous TMA correspondence, "...there is an increase in disputes when carriers deviate from standard bundling or only partially implement Medicare's rules. The legislative intent of HB-2600 is to reduce the number of appeals and disputes in the system by standardizing the edits and related rules." The commission agrees with the TMA statement and believes the benefits of standardization including CCI edits are applicable to both carriers and healthcare providers. The commission agrees that CCI edits do not address return to work goals since the purpose of CCI edits, as previously stated, deal with correct coding issues and not with return to work goals; commission rules address return to work issues.

COMMENT: Commenter is opposed to the rule as it stands stating it is not consistent with legislation and does not ensure that injured workers have access to effective therapies. Commenter recommends modifying the proposed rule to utilize the recently adopted CMS pass-through system for implantable products in order for the rule to be consistent with legislation and to ensure that injured workers have access to effective therapies.

RESPONSE: The commission disagrees that the rule is not consistent with legislation as the commission adopts all Medicare payment policies related to coding, billing and reporting. The MFG addresses reimbursement, which is one part of ensuring injured employees have access to quality medical care. Other components that impact access throughout the general healthcare system such as the number of physicians per capita are outside the purview and control of the workers' compensation system. In recent correspondence with the commission, the TABCC Technical Work Group stated, "There is no evidence to suggest Medicare beneficiaries have any difficulty gaining access to needed services or that the quality of those services is diminished by Medicare reimbursement rates or payment policies. For durable medical equipment (DME) and dental services, there is no evidence that beneficiaries of that program have difficulty gaining access to services or that the quality of services has been decreased by the payment schedule." Although some healthcare providers may choose not to treat injured employees, there is no evidence to indicate that the reduction of the number of healthcare providers will negatively impact injured employees in limiting access to care. The commission declines to respond to the commenters' allegation that physicians are opting out of the Medicare system since the commenter provided no supporting documentation. In contrast, in recent testimony before Congress, Glenn M. Hackbarth, J.D., Chairman of Medicare Payment Advisory Commission (MedPAC) stated that according to data from the Medicare Current Beneficiary Survey access to care was not a problem in 1999. This survey also showed that the number of healthcare providers accepting Medicare payment had increased from previous surveys. This would indicate that Medicare reimbursement alone is not a deterrent for healthcare providers to provide access to care. Further, Chairman Hackbarth added, "One of the most important findings of the survey was that among physicians accepting all or some new patients, more than 95% said they were accepting new Medicare fee-for-service patients, a finding consistent with the results of another recent survey." CMS pass-through-system payments relate to facility reimbursements, which are addressed in other commission fee guidelines.

COMMENT: Commenter recommends that the commission make a list available with fees so healthcare providers will know if they are being reimbursed properly.

RESPONSE: The commission disagrees with the suggestion to make a fee list available for healthcare providers because the most current reimbursement methodologies, including relative value units, Geographical Practice Cost Indices (GPCIs) and other factors are readily available through CMS. Additional publication of this info would be duplicative and potentially confusing. In addition, it is relatively easy for a healthcare provider to calculate reimbursement rates by using the most current Medicare rate in effect on the date of service and adjusting by the adopted multiplier. Detailed Medicare reimbursement information for Texas is available online, free of charge at the website for fiscal intermediary for Texas, TrailBlazer Health Enterprises.

COMMENT: Commenter supports the application of the Medicare payment policies and coding edits, and states this will result in greater standardization of workers' compensation medical care billing and payment, and will ultimately reduce administrative burdens for healthcare providers, insurance carriers and the commission. Commenter recommends that the commission address any inconsistencies between the Medicare payment policies and the commission's preauthorization requirements, especially since the payment policies are constantly being updated and the preauthorization rule is static. Commenter recommends that the commission include a monitoring process to ensure that both the healthcare providers and insurance carriers are compliant with all the coding requirements and payment policies as well as with the requirements for timeliness of payment. Commenter recommends that the commission address how disputes over the Medicare payment policies should be categorized (as either medical necessity or as fee disputes). Commenter recommends that the commission address medical services not covered under the Medicare payment system, whether these can be paid by exception (and if so, under what circumstances) and whether denial of these services based on the payment policies constitutes a medical dispute.

RESPONSE: The commission agrees that application of the Medicare payment policies and coding edits will result in greater standardization and ultimately reduction of administrative burdens. Rule §134.600 regarding Preauthorization, Concurrent Review, and Voluntary Certification of Health Care, can be amended or revised as needed. The commission disagrees that any conflicts or inconsistencies between §134.600 and the adopted Medicare policies require additional clarification since §134.202 clearly states, "Specific provisions contained in the Texas Workers' Compensation Act (Act) or commission rules, including this rule, shall take precedence over any conflicting provision adopted by or utilized by CMS in administering the Medicare program." The commission agrees with the commenters' recommendation that healthcare providers and insurance carriers be monitored for compliance, however, that is a function of the Division of Compliance and Practices and is not within the scope of the MFG. The commission also disagrees that medical necessity and fee disputes be addressed in the MFG. Disputes are specifically addressed in other commission rules, primarily §§133.300 - 133.308. Medical services not covered under Medicare are addressed in (a)(4) as it relates to medical necessity and (c)(6) of this rule, where directions are given to a carrier to "assign a relative value which is based on nationally recognized published relative value studies, published medical dispute decisions, and values assigned for services involving similar work and resource commitments." Additionally the commission disagrees that the MFG should define types of disputes as these items are specifically addressed in other commission rules.

COMMENT: Commenter supports reforms but opposes the Medicare system stating that it is not currently an acceptable standard, it is very confusing, and the methodologies and coding are ever changing. Commenter expressed opposition to the adoption of the Medicare policies stating that the policies prevent the physical therapist from using sound judgment in rendering patient care and amounts to the practicing of physical therapy by a governmental body.

RESPONSE: The commission disagrees. The Medicare system is a well known and commonly used system nationwide, and although the Medicare rules are revised regularly, there will be a period of transition for healthcare providers not familiar with Medicare. The commission has been mandated by HB-2600 to adopt the "...most current reimbursement methodologies, models, and values or weights used by the federal Health Care Financing Administration..." to assist in achieving the stated goal of standardization for all health care services including physical medicine. The commission disagrees that Medicare policies will prevent the use of good judgment by physical therapists since doctors retain the responsibility to prescribe medically necessary treatments and therapies to injured employees.

COMMENT: Commenter questioned whether healthcare providers would be permitted to omit documentation.

RESPONSE: The commission clarifies that the healthcare providers must submit documentation as required in Medicare's billing, coding and reimbursement policies, as well as in this and other commission rules.

COMMENT: Commenters questioned why the Medicare payment policies were omitted from the proposal, stating that it is unfair to incorporate all other parts of Medicare policy and exclude their timely payment policy. A commenter further stated that the proposal is not at all in line with Medicare payment policies, which include: up to 2 years for submission of billing (with a 10% reduction if billed during 2nd year) electronic submission with a 14-day payment period and 30-day payment period if paper billing is used. Additionally, the Medicare system encourages electronic claims submission with no requirement to submit documentation. Commenters inquired if the commission would incorporate these payment policies? Additionally, commenter inquired how the commission's implementation of Medicare, as intended by HB-2600, would affect the submission of documentation and process of preauthorization, neither of which are part of the Medicare model.

RESPONSE: The commission disagrees that the Medicare payment policies were omitted from the proposal. For coding, billing, reporting and reimbursement of professional medical services, the Texas workers' compensation system participants shall apply the Medicare program reimbursement methodologies, models, and values or weights including its coding, billing, and reporting payment policies in effect on the date the service is provided, per subsection (b) of the adopted rule. Section 413.011 of the Texas Labor Code provides that minimal modifications to Medicare reimbursement methodologies should be made as necessary to meet occupational injury requirements. Although the current billing rules addressed in Subchapter "D" regarding Dispute and Audit of Bills by Insurance Carriers, Chapter 133, do not require electronic billing, future commission efforts through the agency Business Process Improvement (BPI) initiatives are likely to address and move toward electronic billing, since this is a component of the agency BPI initiatives. Necessary modifications to the Medicare system have been made to adapt it to features unique to the Texas workers' compensation system (such as the ability of chiropractors to serve as treatment doctors and the use of designated doctors in the dispute resolution process). Any additions or exceptions are specified in the text of the rule. Specific provisions of the Act or commission rules, such as preauthorization and payment time frames, take precedence over any conflicting Medicare policies. These features are required and are governed by the workers' compensation statute.

Subsection (c)

COMMENT: Commenters expressed support for this subsection of the rule as proposed, stating the establishment of a fee schedule benchmark is a good idea, as is the use of the Medicare conversion factors and the increase in the rates for the Evaluation and Management functions. Commenters supported the 120% of Medicare as a proposed reimbursement rate, stating it is the needed realignment of professional medical fees, places less focus on highly over-utilized and over-compensated areas of surgery and physical medicine. Commenters offered support as it is a fair, reasonable and equitable reimbursement that will lead to competent treatment for injured employees and to cost containment in Texas. A commenter further stated that there would be no access problem to quality medical care for injured employees if the provider is paid at 120% of Medicare. Commenters supported the proposed reimbursement level at 120% of the CMS rate as a just rate for injured employees in Texas to receive quality medical care. Commenters specifically supported the reimbursement alignment of workers' compensation with CMS as an improvement over an earlier proposal, particularly regarding proposed fees for Evaluation and Management services and equal reimbursement rates for physician medical services performed by physician assistants. Commenters affirmed the commission's proposed rule as a significant endeavor to bring the rising cost of medical benefits in the TWCC system in line with fees for similar services in other payment systems, stating that the overcompensation of physicians by the previous Medical Fee Guideline, relative to compensation provided by other payment systems, encouraged over-utilization within the workers' compensation arena. Commenters additionally thanked commission staff for their efforts to control the cost of medical benefits, thus keeping carriers from leaving the system and protecting employers from having to "go bare" because of high premiums.

RESPONSE: The commission agrees with commenters' support of §134.202(c) regarding the use of a fee schedule benchmark of the Medicare conversion factors, as well as the increase in rates for the Evaluation and Management functions. After review of public comment and reevaluation, the conversion factor has been changed to 125%. For the reasons discussed elsewhere in this preamble the commission believes this conversion factor results in fair and reasonable reimbursement for workers' compensation services in Texas in accordance with all of the requirements of §413.011.

COMMENT: Commenters expressed support for proposed §134.202 as it brings the Medical Fee Guideline in compliance with the mandated requirements of HB-2600. Commenters reported that the legislature identified medical costs in general as the major issue, not just over-utilization. Commenters expressed support stating that the benefits of adopting the rule, as outlined, include standardization, maintenance of a current fee structure, reduced fees for administration of the system, with potentially fewer disputes filed and reduction in over-utilization. Support also included commenter's position that CMS is not just designed for the elderly, but also for the disabled, including all injured persons, work related or otherwise.

RESPONSE: The commission agrees with commenters' support of proposed §134.202 and believes it complies with the HB-2600 mandates as well as contributing to cost containment.

COMMENT: There were many comments opposing the proposed fees. Commenters stated that an arbitrary reduction in the proposed reimbursement rates is unacceptable, because they are not fair and reasonable. A commenter suggested that the proposed rule shows disrespect and contempt for healthcare providers and injured employees in Texas and felt there was undue influence by business and carriers. Commenter stated the reimbursement should be market-driven, thus fair and comparable to the fee structure of all commercial carriers in Texas instead of following artificially low, federally mandated fees as seen in the Medicare system. Commenter stated healthcare providers should be reimbursed adequately and this does not mean following the Medicare reimbursement schedule. Commenters provided numerous reasons for why they felt the proposed rates were not fair and reasonable, such as: it reduces reimbursements by 20% across the board from the current MFG; it reduces total payments to healthcare providers by 16%; fees paid under the current MFG are already low in comparison to other states workers' compensation systems; fees should be compared to similar commercial or private fees established in the market place where the proposed rates would be shown to be substantially less than average fees paid by discounted commercial payers; incorrectly assumes that physician reimbursements are the source of higher than average workers' compensation costs in Texas as compared to other states; and, a proposed fee schedule that is a minimum of 40% less than current contracts negotiated in the workers' compensation system shows that there was little effort expended in determining what is fair and reasonable. Commenters opposed the fee guideline as proposed for reasons that it does not meet the statutory requirements. Commenters suggested that since it is not fair and reasonable, it should be withdrawn and re-proposed based on a range of other commercial insurance fee schedules, or at least from a total market which includes commercial payers, and a percentage of statewide usual, customary and reasonable. Commenters suggested that fair and reasonable must include the population being served, and the associated administrative requirements of serving this population. Another commenter asked if it is fair and reasonable to penalize healthcare providers offering services in good faith when the parameters for treatment in the Medicare system are more restrictive and unjust to the care of an injured employee. Commenters additionally opposed the fair and reasonableness of the proposed rates by noting that there has been no increase in workers' compensation rates since 1996; Medicare has decreased their reimbursements by 5.4% effective January 13, 2002 thereby demonstrating that a benchmark to Medicare is an unreasonable approach for the commission to take; and that fair and reasonable rates are meant to be parallel with the economics of inflation as well as necessary to keep quality healthcare providers in the system. Commenters recommended the commission significantly increase the proposed reimbursement rate, to include yearly updates. Commenters recommended reimbursements should be compared to the commercial fees established in the market place, that fees must be established based on the current market data, and not dropped to below the commercial insurance level as are the current fees. Commenters offered recommendations including the withdrawal of these proposed rates and the revision of a reimbursement system that is more fair and reasonable; and one that will ensure an adequate pool of highly qualified and competent physicians and healthcare providers in all specialties.

Some commenters opposed the 120% of Medicare reimbursement rates. Other commenters believed 120% of Medicare to be a violation of HB-2600, which, in essence states the commission should not adopt Medicare conversion factors, and should ensure the provision of, and access to, quality medical care. Commenter contended the commission was negligent in adopting the Medicare payment policies. Commenter acknowledged that while the insurance carriers support the proposed 120% of Medicare, this rate is untenable and insulting to the medical community. Commenter stated that the proposal of an across the board 120% of Medicare based fee represents a breach in trust between the commission, orthopedic surgeons and all healthcare providers. Commenter stated that not only is 120% of Medicare below commercial payment rates; but also, rolled into commercial payment rates are the HMO and PPO discounts, which are based on the promise of additional patient referrals. Commenter stated such considerations are not permissible in the Texas workers' compensation system.

Many commenters recommended an increase in the conversion factor. Recommendations ranged from 130%-400% of Medicare, due to the costs of workers' compensation, to ensure access to care, and to assure that the highest quality healthcare providers remain in the system. One commenter recommended 151% of Medicare because the 1996 MFG reimburses 140% of Medicare and per the United States Bureau of Labor Statistics (BLS) the CPI has risen 11% from 1997-2001. Some commenters recommended that fees remain unchanged to maintain the current level of reimbursement and still hold the commission in the mid-range of commercial reimbursement. Commenters recommended a fee increase, of at least 10%, above the 1996 MFG for those healthcare providers trying to improve care for injured employees while trying to save costs. Commenter recommended to use fees established September 1, 1988 and increase fees based on inflation. Commenter stated an increase for specific and ancillary services would allow for greater participation in the system, greater care for the injured employee, and eventually greater savings. Commenter recommended conversion factors be increased to the commercial median as outlined by Milliman while keeping the E/M conversion factor $44. Commenters stated the last MFG proposal resulted in a recommended conversion factor of 170% and the commission was encouraged to consider a conversion factor of 190%-200%, as this range is budget neutral. Commenter felt betrayed and blindsided when the renewed proposal came back at 120% of Medicare. Commenter stated a reimbursement rate of 200% of Medicare surgical procedures and 120% of Medicare for evaluation and management services would be a fairer way to compensate physicians. Commenter recommended 114% of Medicare for E/M, 170% for radiology, and 195%-200% for surgery. Commenters recommended that reimbursement be increased at a minimum by 7% in order to maintain consistency with BLS data that shows, between 1996 and 2000, the CPI for physician services increased by 13% and the producer price index for office of physicians increased by 7%. Commenter stated proposed rates represent a purported 16% decrease in payment, but the 2002 Medicare payment schedule has a built-in 5.4% decrease in the GNP. Commenter supported RBRVS and recommended the commission develop its own conversion factors based on realistic cost information developed by the commission.

Other commenters recommended that workers' compensation reimbursement should not be higher than 100%-110% of Medicare because Texas has the highest expense in workers' compensation injuries. Commenter stated it is reasonable for the commission to use the Medicare conversion factor as a starting point and consider additional factors to determine if fees should be raised or lowered. Commenter stated the workers' compensation system is more expensive than just the routine Medicare; therefore, 115% of Medicare is fair.

Some commenters advocated using multiple conversion factors. Commenter stated commercial payers and other workers' compensation plans are using different conversion factors for different services. Commenter supported the use of multiple conversion factors due to the fact that there will be huge disruptive changes in physician payment. Commenters stated there was neither statutorily compliant justification nor reasoning as to why the commission unilaterally based the MARs at Medicare factors multiplied by one across-the-board conversion factor for all categories of medical services. Commenters stated the commission's administrative requirements, as well as the differences between the commercial market medians and the current MFG guideline reimbursement levels, vary between these medical service categories and one arbitrary reimbursement rate does not take into account the specialized nature of treatments, and their impact on the injured employee, when calculating reimbursement rates, may lead the system to experience major problems and cost increases due to reimbursements that are set too low. Commenter stated the commission has now determined conversion factors by service category are not indicated, when allegedly the purpose of the varied conversion factors in a previous proposal was "...to maintain a relationship with reimbursement levels in commercial and workers' compensation systems (i.e., non-Medicare market).

Commenter stated Medicare has streamlined their system, via electronic billing and payment, and straight forward verification of coverage, to allow for healthcare providers to accept less reimbursement for these patients due to the significantly reduced administrative costs, healthcare providers accessing the workers' compensation system have none of these benefits. Commenter recommended the fair market value for workers' compensation would allow for patient steerage plus an allowance for increased administrative costs, since the data reported to the commission by its consulting actuary represents discounted fee schedules given in return for patient steerage.

There were a number of comments specifically addressing the conversion factor for anesthesia. Commenter states $43.40 is an appropriate conversion factor for anesthesia services in the workers' compensation system, but should not be tied exclusively to Medicare's conversion factor, the letter of intent in HB-2600 was to comply with the statute by not adopting Medicare's fee schedule, conversion factor's, or payment adjustment factors. Commenters oppose the proposed decrease in the anesthesia fee schedule, the rules for pre-approval and payment for workers' compensation are very strict and often result in non-payment. Commenter stated the conversion factor for anesthesiologists in San Antonio would be a 52% reduction in current compensation for rendered services, which is twice the reduction even proposed in the Milliman Report of June 2001. Commenter stated the current anesthesia conversion factor is already 10%-20% below discounted commercial managed care fees in our market. Commenter opposed anesthesia conversion factor, stating anesthesiologists are subject to significant penalties for medically directed CRNAs, which further reduce payments and are frequently subjected to arbitrary non-payment for factors beyond their control.

Commenters expressed various oppositional sentiments to the proposed surgical conversion factor, stating it would only serve to add to the surgeons' problems in recruitment of competent coverage, and represents a similar cut in the surgeon's ability to provide care on behalf of the injured employee, is unfair to the surgeon as well as the injured employee, and only serves to benefit the carriers it is not enough for the amount of administrative costs of caring for the workers' compensation patient. Commenters indicated that although fees were raised for "add on" procedures, the commission re-proposed to reduce them to a 25% allowable, which would be even lower than current reimbursements, and that the proposed conversion factor is just another way of limiting surgeon's practice and the ability to practice at the standards of the specialty. Commenters expected an appropriate surgical conversion factor to be properly implemented to reflect astronomical expense not experienced by other disciplines. A commenter quoted the Texas Workers' Compensation Advisor, where the median RBRVS conversion factor for surgery was $74.48, while the proposed conversion factor for surgery, based on 120% of Medicare, is more than 40% less than the median of other states. Commenters sited the Milliman U.S.A. data that showed no listed commercial payer or state that pays fees for surgical services as low as 120% of Medicare. Commenter also noted the Milliman data recognized the appropriateness of a surgical conversion factor, which would account for increased costs of providing similar services to injured employees of Texas as opposed to Medicare or commercial carriers. Commenter additionally noted that Milliman data brought into account historical payment rates, which should have a bearing on future determination of fair and reasonable rates. Commenters recommended several alternative reimbursement rates for surgery, including: 190% of Medicare; 195%-200% of Medicare, as this is what the current state median is; a fair and reasonable fee for any good or service is generally the price that could be secured in a free market transaction between unrelated parties; more than 203% of Medicare, which needs to be more than the believed current conversion factor for surgical fees; and 150% of Medicare. Other commenters recommended a carve-out plan rather than a percentage of Medicare allowables, as certain procedures are performed more often than others on the average working person. Commenter stated fees for surgical procedures are substantially less than average fees paid by discounted commercial payers and the fees paid in other states. Commenter stated the proposed rule could result in a reduction of 38%-41% for surgical patients who require more effort to treat. More compensation is required or surgeons will opt out of the system. Commenter was concerned that the specialists in his facility will receive a $400 reduction. Commenter stated the proposed reimbursement would be devastating to orthopedic practices. Commenter stated there would be an increase in unemployment among people working for medical practices. Commenters recommended that the commission use St. Anthony's Relative Value scale and adopt a factor of 100%-110% for surgical procedures. Commenter further stated that 160% of Medicare would be more appropriate if the commission used the HCFA methodology.

Commenters opposed the reduction in reimbursement for medicine services as not fair and reasonable for proper treatment or evaluative purposes. Commenter recommended a reasonable reimbursement for evaluation and management codes. Commenters stated 120% of Medicare is not "fair and reasonable" reimbursement for mental health services (which are already undervalued by Medicare methodology) due to overhead costs of preauthorization, rebilling of "clean claims" due to errors, incompetence, and violations by insurance carriers, and the written documentation that must be submitted. Commenters stated physical therapy services need an increase not a decrease, if the proposed MFG is implemented, therapy staffs in clinics and hospitals will experience reduced hours and lay-offs. Commenter opposed decrease in reimbursement for electromygrams (EMGs) and nerve conduction velocities (NCVs), decreasing payment to neurologists down to the Medicare level will reduce the reimbursement so that neurologists will not be able to afford to do these services, maintain their offices and the equipment necessary to perform these studies. Commenter was unable to determine the basis for a 120% conversion factor for rehabilitation services and DME related items. Commenter recommended the conversion factor for medicine services be increased to 135% of Medicare. Commenters included the following remarks about the proposed conversion factor for physical medicine: does not meet the statute's reasonable and customary guideline, and is not in line with the stated median commercial rates as presented by Milliman; if the conversion factor adopted by the CMS multiplied by 120%, physical medicine and rehabilitation services would see an approximate 17% decrease in revenues, when there should be an increase to compensate healthcare providers for the ever-increasing costs of delivering these services; opposes the current Medicare fee schedule which greatly undervalues the physical medicine modalities and procedures, as the 2002 Medicare schedule further reduces the reimbursement; and using RBRVS, the baseline reimbursement and conversion factors applied to physical medicine are undervalued. Commenter disagreed with the estimated 20% reduction in fees for physical medicine, and stated it is a 38% reduction. Another commenter requested clarification as to the rationale for the indication that the proposed fee schedule for physical medicine is 11% below the commercial median in Texas, and asked for explanation as to how these fees were derived, including the economic criteria used, and comparisons to commercial regional fee schedules, as well as other states. Commenter disagreed with the assumption that the proposed fees will represent a 38% decrease for orthopedists who say it will be closer to a 100% decrease. Commenters oppose radiology reimbursement. Commenter recommended the commission consider increasing diagnostic reimbursements, workers' compensation encompasses certain demands that don't exist with the Medicare population, for example an injured employee is more likely to have an magnetic resonance imaging (MRI) on an injured extremity than the Medicare population generally would.

Commenter recommended that the 120% conversion factor be recalculated using an objective methodology for each separate category of medical service. This objective methodology should consider variations in the commission's administrative requirements as well as the differences between the current fee levels and commercial market medians for each category of service, weighted accordingly.

Commenter suggested the proposed rates are not fair and reasonable as no medical practice could remain solvent with a 2/3 reduction of revenue, while the very best office overhead is 35%, and average office overhead is 65% for general and family practitioners.

Commenters opposed the proposed reimbursement rates because the administrative burdens and complexities in the workers' compensation system are greater than those in other health care systems. Commenters opposed the proposed workers' compensation reimbursement rates stating that the injured patient population is more time-consuming, difficult and costly to treat than average patients, and there is no guarantee of payment. Commenters felt the proposed reimbursement rates are a penalty. One commenter opined that this proposal is similar to the New York workers' compensation system with only poor quality health care being provided to injured employees as a result of the added paperwork and other deadline requirements. Examples were sited of added burdens for which there is no reimbursement, such as: paperwork and forms needed to obtain reimbursement for treatment, return to work issues; case manager inquiries; letters of medical necessity; attorney's fees and other associated legal costs; disincentives the carriers choose for not paying healthcare providers and for not abiding by a legal evidentiary standard; costs of mailing a claim; carriers being allowed to take up to 60 days to issue an explanation of benefits (EOB); the potential of paying upfront costs of $460 to file a dispute; risking the potential need for paying more if the carrier appeals the dispute decision; and the commission's required two-day courses for designated doctor training. Commenters recommended fees be raised, not lowered; or, increasing the administrative component into the reimbursement rates to compensate healthcare providers for the extra medical care required of an injured, acute care patient, and for the extra clerical help that is required to meet the ever-increasing bureaucratic demands of the workers' compensation system. Other commenters recommended the elimination of workers' compensation rules that require such time-consuming efforts to perform the paperwork and other required burdens.

Commenters opposed the 120% of Medicare reimbursement rates as proposed, explaining that fees and associated practice expenses, such as rent; staffing; equipment; malpractice; advancing technology costs with attendant meetings and laboratory costs; processing paper claims; etc. have increased in the medical community, and reimbursement for the same level of health care to cover patient needs should also increase proportionately. Commenters additionally observed that the workers' compensation health care community has not experienced an increase in rates since the 1996 MFG, although requirements to comply with commission rules have increased steadily, and other health care systems have increased rates as much as 40%. Another commenter contended that because the 1996 MFG was established to be budget neutral healthcare providers have not had an increase in reimbursement since 1991.

Commenter stated the commission has proposed a conversion factor that is estimated to produce a 31% aggregate fee decrease; however, it demonstrates no rationale to suggest that this reduction is appropriate or reasonable as required by law. Commenter stated the commission does not appear to have considered economic information, much of it from its own consultant, regarding the cost of operating physician practices, prices paid in the Texas marketplace, medical cost inflation, and fees paid by other workers' compensation programs. Commenters stated costs have dramatically increased since 1996, and expressed concern that over the four-year period of 1996-1999 those physician payments only increased 1%. Commenters contended that implementing the proposed MFG would translate into an effective reduction of 20%-31% from current reimbursement for these services. Commenter stated he would be required to see 20% of his patients at a 50% discount. Commenter stated the Medicare rate is 34% of the average commercial rate. Commenters stated the proposed conversion factor will produce a 31% aggregate decrease in physician fees, while the most recent commission's Systems Data Report (SDR) indicates from 1996-1999 the total reported medical payments to physicians increased by only 1% compared to a 16% increase for hospitals and 40% for other healthcare providers.

Commenter stated that not only is 120% of Medicare below commercial payment rates; but also, rolled into commercial payment rates are the HMO and PPO discounts, which are based on the promise of additional patient referrals. Commenter stated such considerations are not permissible in the Texas workers' compensation system.

Commenter acknowledged that even Medicare doesn't have the rules and regulations that tie up the health care provider's time, as is the case with the workers' compensation patient. Commenter suggested the Brinker study conducted in Houston supports this assertion. Commenters also indicated that the energy and commitment it takes to care for a workers' compensation patient is approximately 250% of the overhead as compared to Medicare. Commenter suggested that most PPOs in Texas are reimbursing at 140% to 170% of 2001 Medicare, their claims are filed electronically with little to no preauthorization and documentation requirements, and the law requires payment within 45 days or interest in paid.

Commenters recommended withdrawal and re-proposal of a new rule, with appropriate conversion factors that relate to high cost of practice expenses, and with ground rules that contain stakeholder input. Commenter suggests that the goals in such a re-proposal should include: defining how best to set program safeguards; how to focus the issue on appropriate and effective utilization; achieving standardization with other health insurance programs; cutting administrative costs; and setting fair and reasonable reimbursement rates.

RESPONSE: The commission disagrees. In determining "fair and reasonable" reimbursement levels the commission must look at several factors, as "fair and reasonable" is not based solely on the market value of services provided to injured employees but is a balance of all the required components of the Act. First, the commission is mandated to set reimbursement levels and meets this responsibility through it's adopted fee guidelines. In setting reimbursement levels the commission is tasked with several rigorous statutory requirements that must be balanced. Section 413.011(d) of the Act requires that a fair and reasonable standard must be met and fees must be "designed to ensure the quality of medical care and to achieve effective medical cost control." In addition, the statute provides that, "The guidelines may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf. The commission shall consider the increased security of payment afforded by this subtitle in establishing the fee guidelines."

Further, HB-2600, adopted during the 2001 Texas Legislative Session, amended §413.011. In addition to the previous requirements, the revised statute also requires that the commission: use health care reimbursement policies and guidelines that reflect the standardized reimbursement structures found in other health care delivery systems with minimal modifications to those reimbursement methodologies as necessary to meet occupational injury requirements; adopt the most current reimbursement methodologies, models, and values or weights used by the federal HCFA to achieve standardization, including applicable payment policies relating to coding, billing, and reporting, and may modify documentation requirements as necessary to meet the requirements of §413.053 of the Act (relating to Standards of Reporting and Billing); develop conversion factors or other payment adjustment factors in determining appropriate fees, taking into account economic indicators in health care and the requirements quoted above; provide for reasonable fees for the evaluation and management of care as required by §408.025(c) and commission rules. The statute also states that this law does not adopt the Medicare fee schedule, and the commission shall not adopt conversion factors or other payment adjustment factors based solely on those factors as developed by the HCFA. Finally, the statute states that it is not to be interpreted in a manner that would discriminate in the amount or method of payment or reimbursement for services in a manner prohibited by Section 3(d), Article 21.52, Insurance Code, or as restricting the ability of chiropractors to serve as treating doctors as authorized by this subtitle.

HB-2600 mandates that the commission use the Medicare reimbursement structure as a reference point for the proposed MAR calculations. However, the commission does not adopt the Medicare fee schedule nor are MARs based solely on the Medicare reimbursements. As discussed in detail previously in this preamble, the commission has determined that 100% of Medicare is an appropriate benchmark for Texas workers' compensation reimbursements. A "benchmark" is a "point of reference." The commission has identified additional burdens and considerations related to the workers' compensation system that are not required in the Medicare system. These burdens and concerns include: commission return to work objectives, required training, administrative requirements, and availability of quality medical care. In addition, commercial market and economic indicators impact the amounts to be added to or subtracted from the benchmark reimbursements. While commenters recommended a wide range of multipliers, which could be applied to the benchmark in recognition of these additional burdens and considerations in the workers' compensation system, the commission considered fair and reasonable reimbursements to be in the range of 100% to 140% of the 2002 Medicare reimbursements when establishing the adopted conversion factor. This range recognizes that Texas workers' compensation reimbursement should be some percentage above the Medicare benchmark (100%) because of the additional burdens and considerations in the workers' compensation system. Reimbursement under the 1996 MFG is estimated to be 140% of 2002 Medicare, the top of the range. This range was established because any multiplier above 140% of Medicare would add costs to the already high cost per claim in Texas.

Studies have revealed that per claim costs in Texas are high when compared to other states' workers' compensation costs. The adopted rule is mindful of the high costs per claim in the Texas workers' compensation system. A market analysis was conducted by Milliman, a professional firm specializing in actuarial and health care services. Milliman reviewed commercial reimbursements, other state workers' compensation systems, and Medicare allowed fees. Milliman analyzed and compared this information to the Texas workers' compensation system and drew the following conclusions: (1) commercial reimbursement rates in Texas show variations that are wider than can be explained by geographic differences, and current MFG reimbursement levels fall within this broad range; (2) current MFG reimbursement levels tend to be high relative to other state workers' compensation systems, with the exception of E/M services; and (3) current MFG MARs average approximately 130% of calendar year 2001 Medicare allowed fees. This market analysis supports the position that the reimbursement rates in effect since adoption of the 1996 MFG have been on the high end of "fair and reasonable."

Taking into account economic indicators in health care and the differences between health care reimbursement systems, the commission has adopted a conversion factor that differs from the CMS conversion factor and increases the reimbursement amounts provided by the Medicare system. The new rule complies with statutory requirements and provides that the Texas workers' compensation system change as the Medicare system is revised.

The fee schedule is a cost driver in the system. Although the fee guideline may not be the largest cost driver, analysis of TWCC fees, commercial reimbursement and other states indicates Texas 1996 MFG to reimburse at or above the median reimbursement levels. The amount and duration of medical treatment is a primary component in the high per claim cost in the Texas workers' compensation system. Utilization in the MFG is addressed by the inclusion of current Medicare payment policies and CCI edits, which consistently and appropriately bundle/unbundle codes. The commission further recognizes through adoption of the MFG, its obligation to address, wherever possible, Texas' high costs per claim as compared to other states workers' compensation. Utilization is also addressed in other commission rules.

The RBRVS system used by Medicare reflects the relationship between the resources necessary to provide a professional medical service relative to resources necessary to provide other professional medical services. The RBRVS adopted in the rule values services according to the relative costs required to provide them, recognizing skill, practice costs, and risk, and uses three components to establish the total relative value units for a particular code: (1) work; (2) practice expense; and (3) malpractice insurance. All of these speak to the valuation of physician effort.

The commission disagrees with commenter's implied suggestion that the MFG must correlate with an arbitrary percentage of what an average office overhead for general and family practitioners might be. As noted previously, practice expense is one of the components used to establish the total relative value units for a particular code. Practice expenses are addressed yearly through the CMS adjustment to the Medicare conversion factors. Additionally, the multiplier adopted by the commission recognizes the additional administrative burdens that are a factor in providing care in the workers' compensation system. The rule implements the standardization required by HB-2600. As most healthcare providers are already familiar with the Medicare policies, the use of standardized coding, billing, and methodology should facilitate office operations, eliminating the need to maintain separate systems. This standardization should allow physician office practices to achieve consistency in their workers' compensation and all other health care billing practices, thereby reducing time and administrative costs.

The commission agrees with commenter's expressed support for the use of RBRVS. The commission also agrees with commenter's suggestion that conversion factors were not based on cost information, as realistic cost information is not available in the commercial market. In a recent testimony before Congress, Glenn M. Hackbarth, J.D., MedPAC stated, "We lack information on the cost of physician services, so we cannot compare Medicare's payments and costs the way we can for other services, such as hospital care" and "the regulatory burden of the Medicare program is an important concern of physicians. Nevertheless, estimates of the cost of this burden are not available." However, as previously stated in this comment response, the commission worked with information provided by Milliman and historical system claim costs as developed by the commission.

The commission disagrees with the commenter's recommendation to adopt the St. Anthony's relative value unit scale because the legislative mandate requires the use of the RBRVS as the basis for reimbursement. The adopted rule, identifying when these can be used, does support the application of nationally published relative value studies when appropriate

The commission agrees that for some surgery practitioners, orthopedic practices and physical therapy services, reimbursement rates for some procedures may be less than the MAR established in the 1996 MFG. The MARs established in the 1996 MFG do not correlate with RBRVS unit values, and the change to the RBRVS in the adopted rule results in some significant increases and decreases for certain procedures. The use of a different relative value unit system, as mandated by statute, results in a significant realignment of reimbursements among the CPT groupings. The commission, however, disagrees that more compensation is required for surgeons because of the belief that their efforts are more involved for a workers' compensation case.

The commission disagrees that 160% of Medicare should be the standard for reimbursement because a rate of 160% of Medicare would likely increase costs per claim in Texas which according to WCRI's The Anatomy of Workers' Compensation Medical Costs and Utilization; A Reference Book , December 2000 are approximately 50% higher than the states average or the states median.

The commission disagrees that rates should be indexed to the CPI since this index is not specific to healthcare. Healthcare specific items are a part of the Medicare economic index, which is included in CMS' annual adjustment to the Medicare conversion factor. The Medicare economic index computes the change in the practice expense component. The commission clarifies that the reference to the approximate 16% decrease in payment is the resulting aggregate reduction of 16% in total payments, if applied to historical worker's compensation system utilization with an added multiplier of Medicare plus 20%.

The commission disagrees with recommendation of multiple conversion factors. HB-2600, mandates the commission to "adopt the most current reimbursement methodologies, models, and values or weights used by the federal Health Care Financing Administration (HCFA) to achieve standardization..." The direction is for the commission to more closely parallel its fee guidelines with those of the well-established Medicare system. In recent correspondence with the commission, the TCA stated: "HCFA uses only one conversion factor, along with the RBRVS, to set reimbursement structure. RBRVS is a system that provides consistent assignment of values for different procedures across the range of CPT codes, and therefore does not require but one conversion factor. Fragmentation of the reimbursement system occurs when more than one conversion factor is used to calculate reimbursement rates. The use of more than one conversion factor, therefore, makes any proposed fee guidelines a non-standard system of reimbursement. The use of more than one conversion factor therefore violates the clear directive of the Texas Labor Code §413.011(a)." The commission agrees with this reasoning and has determined the use of a single conversion factor, as is done in the Medicare system, is the appropriate interpretation of the requirements of HB-2600. If a price-neutral conversion to RBRVS is put into place, fees for physical medicine do not change much but general medicine rises considerably and radiology and surgery decline considerably. This is the same impact that is seen when conversion to RBRVS is combined with a reduction in fees. Thus foregoing the cost-savings opportunity stemming from a cut in overall fees is not sufficient to avoid important negative impacts on some groups of healthcare providers. The source of this problem goes back to the reason why Medicare developed the RBRVS in the first place. The traditional charge-based fee schedule diverges so much from real relative costs that getting fees and costs back in the proper proportion requires major changes. This results in the loss of some of the benefits of Medicare RBRVS because relative values do not fully reflect relative costs and so the service mix does not fully adjust. (WCRI, The RBRVS As a Model for Workers' Compensation Medical Fee Schedule: Pros and Cons. , Dr. Phillip L. Burstein, July 1996) This is a primary reason that supports the use of a single conversion factor, and not multiple conversion factors, in the revision of this MFG.

The commission disagrees that the proposed rule fails to cut administrative burdens and complexities to those more equal to other health care systems. The proposed rule implements the standardization required by HB-2600. Most healthcare providers are already familiar with the Medicare policies; the use of standardized coding, billing, and methodology should facilitate office operations, eliminating the need to maintain separate systems. This standardization should allow physician office practices to achieve consistency in their workers' compensation and all other health care billing practices, thereby reducing time and administrative costs. Although the current billing rules addressed in Subchapter "D" regarding Dispute and Audit, Chapter 133, do not require electronic billing, future commission efforts through the agency BPI initiatives are likely to address and move toward electronic billing, since this is a component of the agency BPI initiatives. The commission has recognized the additional workers' compensation burdens and considerations by applying the 125% multiplier. While the commission does agree that some appreciate Medicare for its streamlined system, the commission disagrees that such streamlining in the Medicare system was designed to allow healthcare providers to accept less reimbursements for these patients due to the significantly reduced administrative costs. Additionally, the commission disagrees that patient steerage is a component or requirement of the Act.

Individual provider impact is based on the individual cost structure and business practices unique to the individual provider and are consequently not predictable by the commission. Finally, standardization and streamlining of the billing process through the use of Medicare payment policies is a required component of HB-2600. The potential impact on individual healthcare providers will be unique to the provider's cost structure, business organization and familiarity with the Medicare payment policies. On the whole the net economic impact for individual healthcare providers should be positive as it aligns the workers' compensation system with existing systems thereby minimizing unnecessary duplication.

The commission disagrees with commenter's statement that commission rules and regulations tie up the healthcare providers' time, and that the energy and commitment to care for a workers' compensation patient is approximately 250% of the overhead as compared to Medicare. The adopted rule implements the standardization required by HB-2600. As most healthcare providers are already familiar with the Medicare policies, the use of standardized coding, billing, and methodology should facilitate office operations, eliminating the need to maintain separate systems. This standardization should allow physician office practices to achieve consistency in their workers' compensation and all other health care billing practices, thereby reducing time and administrative costs. The unpublished Brinker study, The Effect of Payor Type on Orthopaedic Practice Expenses , was a study of a single physician and not necessarily indicative of Medicare or workers compensation costs. In a recent testimony before Congress, Glenn M. Hackbarth, J.D., MedPAC stated, "We lack information on the cost of physician services, so we cannot compare Medicare's payments and costs the way we can for other services, such as hospital care" and "the regulatory burden of the Medicare program is an important concern of physicians. Nevertheless, estimates of the cost of this burden are not available." Without a regulatory burden assessment in the Medicare system, it is difficult to directly compare the administrative burden between the systems. As stated in the June 25, 2001 edition of The American Medical News , published by the AMA, "Some experts argue that Medicare's procedures aren't any worse than any other payers. The programs pay faster than most, and the administrative and clinical challenges are like other managed care demands these days, they say." In the same article Dr. Darren Carter is quoted as saying, "There is really not much difference about the way Medicare has created these rules from other carriers."

The commission disagrees that the MARs for the workers' compensation system should parallel commenter's assertion that most Texas PPOs are reimbursing at 140% to 170% of 2001 Medicare, with electronically filed bills, little to no preauthorization requirements, and 45-day payments' requirements. Although the current billing rules addressed in Subchapter "D" regarding Dispute and Audit, Chapter 133, do not require electronic billing, future commission efforts through the agency BPI initiatives are likely to address and move toward electronic billing, since this is a component of the agency BPI initiatives. As previously stated, the commission is not adopting the Medicare fee schedule but is complying with the requirement of HB-2600 as related to adopting the most current reimbursement methodologies used by HCFA, and acknowledges all healthcare providers make business decisions concerning acceptable reimbursement levels and those decisions are sometimes more than Medicare, sometimes less.

The commission disagrees with commenter's suggestion that reimbursement under Medicare does not cover the expense of performing thorough E/M services in the workers' compensation system since Medicare reimbursements for E/M services was higher than E/M reimbursement in the 1996 MFG. HB-2600, adopted during the 2001 Texas Legislative Session, amended §413.011 and requires that the commission provide for reasonable fees for the evaluation and management of care as required by §408.025(c) and commission rules. The proposal preamble, published in the December 28, 2001 Texas Register , estimated reimbursements at 120% of Medicare for the category of E/M to be a 26% increase in the difference in reimbursement from the previous MFG. Additionally, the commission disagrees that Medicare does not cover the expense of performing E/M, surgical or other categories of services. As previously stated, the RBRVS system used by Medicare, and adopted in this new MFG, values services according to the relative resources required to provide them, recognizing skill, practice cost, and risk. These relative value units represent national standards assigned to medical treatments and services. The relative value units reflect the relationship between the resources necessary to provide a professional medical service relative to resources necessary to provide other professional medical services. Resource-based relative value units have the advantage that they represent the work and skill required to perform the service, rather than the historical billing practices of healthcare providers.

Further, the commission also recognizes that workers' compensation is a voluntary system and that healthcare providers will make the decision to accept reimbursement based on the unique costs structure of his/her practice. The new MFG follows the mandates of the law, and does not require healthcare providers to perform charity work, nor does it require the provider to accept insurance carrier offered discounts, nor does it require healthcare providers to participate in the voluntary system.

Milliman's market analysis included the study of surgery codes, and indicated that over 38% of surgical codes studied under the 1996 MFG were reimbursed at more than 150% of 2001 Medicare, and 5% of the codes were reimbursed at over 300% of 2001 Medicare levels. Consequently, it is apparent that some fees in the 1996 MFG were well above average and the revision of the MFG is timely.

The Milliman report estimated the aggregate reimbursement for the Texas workers' compensation system to be approximately 130% of 2001 Medicare. This estimate reflected the use of multiple conversion factors rather than a single conversion factor. Consequently, the Milliman estimates for multiple conversion factors are not directly comparable to the single conversion factor adopted in this rule. Milliman reviewed and analyzed reimbursements under the 1996 MFG in order to draw relationships to other health care systems and other state workers' compensation systems. Therefore, the Milliman report reflects that the composite conversion factor for the MFG was higher than the median value for the commercial payers for surgery and that since the 1996 MFG has been in effect, surgeons in Texas have been paid in the aggregate at 174% of Medicare allowed fees, despite the variations in procedures. Additionally, Milliman drew the following conclusion for the surgical services CPT section: Texas MFG MARs are higher than all or nearly all corresponding fee schedule maximums for the cohort states. Therefore, the commission's adoption of Medicare plus a multiplier for allowable reimbursements is a fair and reasonable approach toward normalizing the reimbursement rates. The combination of the adjusted multiplier and the realignment attributable to implementing the RBRVS system normalizes reimbursement for the surgical services that previously had been paid higher than most healthcare systems.

The commission disagrees with commenter sentiments that the proposed fees didn't represent 38% decrease for orthopedists, but instead, represent a 100% decrease. The Milliman market analysis previously discussed in detail in this preamble is a benchmark utilized by the commission in adopting conversion factors for the workers' compensation system. The 38% reduction in reimbursement for surgical procedures relates directly to commission analyses of historical workers' compensation utilization in Texas. Specific impacts on individual practices are unique to the practice based on service mix including the distribution of services in each of the CPT grouping categories.

The commission disagrees that the established conversion factor does not follow the intent of HB-2600 for anesthesia services. As discussed previously in this preamble, commercial reimbursement and other state workers' compensation systems were reviewed, analyzed and compared to the Texas workers' compensation system by Milliman. Taking into account economic indicators in healthcare and the differences between healthcare reimbursement systems the commission has adopted a conversion factor that differs from the CMS conversion factor and increases the reimbursement amounts provided by the Medicare system. The commission disagrees with commenter's assertion that the reimbursement for anesthesia does not include consideration of anesthesiologists who are responsible for medically directing the work of CRNAs. The business decision of whether to use, and consequently supervise and accept reduced payments when supervising a CRNA is left up to the individual anesthesiologist.

The commission disagrees that the increase in hospital and ancillary reimbursement has a bearing on the per unit reimbursement of professional services set in the MFG. Facility reimbursement is addressed in the §134.401 relating to Acute Care Inpatient Hospital Fee Guideline (ACIHFG).

The commission disagrees with opposition to the radiology reimbursement. The market analysis provided to the commission by Milliman suggested that the estimated RBRVS conversion factor for radiology in 1996 MFG was at 184% of Medicare allowed fees. The commission's multiplier of Medicare allowed fees has previously been discussed in detail and is well within the boundaries of a fair and reasonable reimbursement.

COMMENT: Commenters stated due to the great financial impact, doctors will leave the workers' compensation system and decline to treat injured employees, or reduce the number of injured employees they treat. Commenters stated it would not be prudent to treat injured employees because the cost of practicing medicine continues to rise every year and the proposed reimbursement is financially burdensome and it does not cover the high overhead costs of providing basic care for workers' compensation patients.

Commenters provided numerous reasons why healthcare providers will not continue to participate in the Texas workers' compensation system. Commenter stated reimbursement should not limit access to care or eliminate the participation of well-trained, experienced and excellent physicians. Commenter stated that doctors are no longer seeing Medicare patients due to the decline in reimbursement rates and that the commission is making it economically unfeasible and undesirable for healthcare providers to care for workers' compensation patients. Commenter stated excellent doctors were already leaving the workers' compensation system prior to the proposal, and these rate changes will only lead to a greater mass exodus by the summer of 2002, and will deter new future healthcare providers from participating, resulting in a greater work load for the healthcare providers who remain in the system. Commenter stated based on other state and federal programs, such as Tricare, Medicaid Star, and CHIP, that are having problems in maintaining adequate provider panels, there will be fewer specialty healthcare providers in small towns and rural areas resulting in a large burden for injured workers who will have to travel great distances to major cities in order to see these healthcare providers and receive medical care. Commenter stated healthcare providers would leave the system as they have in other states because of inadequate reimbursement. Commenters stated a crisis will be created and the commission will end up with a backlog of examinations. Commenter stated insurance carriers will experience increased medical expenses and long-term claim costs, because fewer doctors will be available. Commenters provided many sentiments that suggested the injured employee's access to surgical care would be forever limited, or will receive treatment from the most marginal and indifferent of physicians. Other commenters similarly expressed there will not be orthopedic surgeons seeing injured employees in the state of Texas as the commission is not correctly informed on the issues orthopedic surgeons face. Commenters recommended the commission reconsider the negative impact the proposed MFG will have on injured employees and the medical community.

Commenter was concerned that there will be unintended consequences such as the effort and enthusiasm of physicians serving under the Medical Advisor will wane and it will be difficult to implement the MQRP and to gain momentum for things like provider networks. Commenter stated the success of HB-2600 is contingent upon the participation of a broad panel of highly qualified physicians and access to these specialty healthcare providers would be compromised.

Additionally, commenters stated that due to low reimbursements and administrative burdens, there is considerable difficulty in finding specialists, such as podiatrists, plastic surgeons, ophthalmologists, and ENTs who will treat injured workers. Commenter stated Medicare has streamlined their system, via electronic billing and payment, and straight forward verification of coverage, to allow for healthcare providers to accept less reimbursement for these patients due to the significantly reduced administrative costs, healthcare providers accessing the workers' compensation system have none of these benefits. Commenter recommended the fair market value for workers' compensation would allow for patient steerage plus an allowance for increased administrative costs, since the data reported to the commission by its consulting actuary represents discounted fee schedules given in return for patient steerage.

Commenters further stated that the proposed fee schedule would drive all but the largest healthcare providers out of the system if workers' compensation becomes too costly, reducing access to care for injured employees of Texas. The effect will be detrimental to the citizens of Texas because the abusers and exploiters will be the ones left in the system to treat the injured employees. Commenters also stated that there is no incentive for healthcare providers to operate under the workers' compensation system correctly, only disincentives and punitive actions for failure to comply.

Commenters expressed opposition stating that adoption of the proposed rule will increase commission and carrier expenses with fewer full time occupational medicine specialists as gatekeepers, allowing more doctors from other specialties with less knowledge of occupational medicine to be treating. Commenters further noted that many non-occupational medical specialists prolong treatment, exceeding reasonable treatment guidelines with unnecessary tests, manipulations, surgeries, and keeping the injured employee off work.

Commenters stated the proposed reduction in reimbursement will greatly affect the residents of Texas and impact injured employee by inhibiting care; it will be cost prohibitive to provide quality care, resulting in a lower standard of care. Commenters stated reducing reimbursement to curb costs would directly affect and jeopardize patient access to quality medical care by decreasing medical treatment options and driving ethical quality healthcare providers out of the workers' compensation system. Commenters stated healthcare providers would begin seeing more patients per hour, reducing quality of care. Commenter stated it is already difficult for injured employee's to access health care. Commenters stated it would be an injustice for injured employees who will suffer emotional distress due to harassment and delays. Commenter stated the percentage of injured employees who transition from the acute to the chronic stage may increase. Commenters stated injured employees would resort to expensive care in emergency rooms or to poor health care in workers' compensation clinics or end up in the Medicaid system. Commenter stated a loss of access to quality medical care for injured employees will have a negative impact on the Texas labor pool, Texas businesses, and our economy in general.

RESPONSE: The commission disagrees that the adopted MFG will limit the injured employee's access to quality medical care. Studies have shown that Texas per claim medical costs are currently among the highest in the nation. The reimbursement established in the MFG is a necessary component of cost containment.

While there may be some healthcare providers who choose not to treat injured employees, there is no evidence to indicate that the reduction of the number of healthcare providers will negatively impact injured employees by limiting access to care. Each healthcare provider must make business decisions concerning acceptable reimbursement based on the unique cost structure of the individual practice. These decisions will involve the efficiency of that health care provider's practice operations, acceptable profits, etc. and are outside the control of the commission. The commission disagrees that the percentage of injured employees who transition from the acute to the chronic stage may increase, or that their care would resort to the more costly care of emergency rooms, or end up in the Medicaid system. There is no evidence to support such assertions, and no evidence that the fee structure contained in the MFG will lead to this outcome. The HIAA in addressing issues regarding rising health insurance premiums cited findings from the BLS that indicate that the number of active physicians in the country grew more rapidly during the 1990s than the general population grew. These findings can be found in Issue Brief: Why Do Health Insurance Premiums Rise? , March 2000, Health Insurance Association of America.

In recent correspondence with the commission, the TABCC Technical Work Group stated, "There is no evidence to suggest Medicare beneficiaries have any difficulty gaining access to needed services or that the quality of those services is diminished by Medicare reimbursement rates or payment policies. For DME and dental services, there is no evidence that beneficiaries of that program have difficulty gaining access to services or that the quality of services has been decreased by the payment schedule." "While there were expressions of concern about potential access problems, no actual access problems have been documented in any specialty. The current level of Medicare payment to physicians is sufficient to provide reasonable access to quality medical care to injured workers." The TABCC Technical Work Group also stated that while there may be some physicians who have closed their practices to new Medicare patients, the inability of a patient to access a specific doctor is different from a problem of access to medical care. "There is no shortage of surgeons willing to treat Medicare or other insured patients. The documented problem in the Texas workers' compensation system is over-utilization of surgery services relative to patients with the same characteristics covered by group health plans." (Contained in correspondence from TABCC to the Executive Director of the commission on March 1, 2002.)

A study was conducted by the Project HOPE Center for Health Affairs for the MedPAC in 1999 to monitor the impact, if any, of the 1998 changes in Medicare fee-for-service (FFS) payments. The possible impacts monitored included, among others, changes in physicians' practices and changes in access to physician services. Results of the study indicated that many physicians had made practice changes in the past year to reduce practice costs and/or increase revenue. These efforts included a reduction in the number of office staff or the hours they work, curtailing salary increases, or reducing fringe benefits. Other practice changes included increasing the number of patients seen by the practice in an attempt to boost revenue and the expansion of the range of services offered. (MedPAC, Results of the Medicare Payment Advisory Commission's 1999 Survey of Physicians about the Medicare Program , September 1999)

In regard to any impact on access to care the 1999 MedPAC survey monitored three areas. The survey supported that physicians do not appear to be experiencing much difficulty when seeking referrals for their FFS Medicare patients. Only 4% of the respondents stated that it was "very difficult" to find suitable referrals for their FFS Medicare patients, and this figure was statistically comparable to the 3.7% of physicians reporting referral difficulties for their privately-insured FFS patients, while 20% of the physicians said it was very difficult to refer their HMO patients and more than 25% said they had a very difficult time referring their FFS Medicaid patients.

In regard to physician acceptance of new patients, the 1999 survey exhibited that for all types of patients considered together, physician acceptance of new patients has held steady from 1994 to 1999. Of note, acceptance of new FFS Medicare patients has remained on par with the acceptance of new privately insured FFS patients over this time interval, and is significantly above acceptance of new patients with other types of insurance or of those without health insurance coverage. The results indicate that there is no evidence to support the hypothesis that recent Medicare payment changes have affected physicians' willingness to accept new FFS Medicare patients. The conclusion that FFS Medicare payment changes have not had a significant impact on physician acceptance of FFS Medicare patients is further strengthened by a closer look at the variations in FFS Medicare acceptance rates by type of physician. Acceptance rates among surgeons - who typically experienced relatively large declines in Medicare revenue as a result of the payment changes - fell by an insignificant 0.1 percentage points and remain higher than FFS Medicare acceptance rates among non-surgeons. Conversely, acceptance rates for non-proceduralists (or medical specialists) - who typically enjoyed higher payments as a result of the payment changes - fell by 2.5 percentage points, and are significantly below acceptance rates for other types of physicians in 1999. For two of the three over-sampled specialties - which were selected specifically because of the large Medicare payment decreases they received - there was no change at all in the acceptance of new Medicare patients. Acceptance rates did fall by 3.4 percentage points among orthopedic surgeons, but this change was not statistically significant.

The other access to care factor monitored by the 1999 survey was the possible changes in appointment priority. The fact that physicians are continuing to accept new FFS Medicare patients at very high rates may be a misleading indicator of these patients' access to physician care if they are encountering increased difficulty in obtaining an appointment within a reasonable period of time. Results from this physician survey indicate that access to FFS Medicare patients appears to be good when considered from this perspective. Only one in ten physicians reported that they had made any change at all since 1997 in the priority accorded to Medicare patients seeking an appointment with them. Only slightly more than half of the physicians said Medicare patients are now given a lower appointment priority, while the remaining 44% said the appointment priority was not higher. Apparently, the physicians' awareness of FFS Medicare payment changes since 1997 does not appear to be related to whether the priority given to Medicare patients has changed since that time.

Government figures also do not support the widespread claims that doctors are rejecting Medicare. Physician participation in Medicare is increasing - it reached 86.3% in 2000 - a 4% increase over 1999. The percentage of physicians participating in Medicare has increased every year since 1996. The MedPAC also has no evidence of doctors leaving the program. (American Medical News, Opting out: Physicians exiting Medicare program , June 25, 2001) In addressing issues regarding rising health insurance premiums, the HIAA cited findings of the BLS that the number of active physicians in the country grew more rapidly during the 1990s than the general population. (HIAA's Issue Brief: Why Do Health Insurance Premiums Rise? , March 2000) The physician supply has increased over the last four decades, mostly because of an increase in the number of specialists. Specialist income growth has nearly doubled primary care physician income growth. (Blue Cross Blue Shield Association, Medical Cost Reference Guide, Health Costs Campaign)

However, the decline in accepting all new Medicare patients was the sharpest for physicians with the weakest connections to Medicare and physicians with the lowest revenue for Medicare were the most likely to report accepting no new Medicare patients. And the extent to which payment cuts to Medicare physicians compromise Medicare patients' access to care will depend on the community where patients live. This is because the relationship between Medicare payment rates and the rates paid by private insurers vary widely across communities. (Ginsburg, February 2002)

Similar views were expressed in recent testimony before Congress by Glenn M. Hackbarth, J.D., MedPAC. Mr. Hackbarth stated that according to data from the Medicare Current Beneficiary Survey, access to care was not a problem in 1999. This survey also showed that the number of healthcare providers accepting Medicare payment had increased from previous surveys. This would indicate that Medicare reimbursement alone is not a deterrent for healthcare providers to provide access to care. Counts of physicians billing Medicare show that the number of physicians furnishing services to beneficiaries has kept pace with growth in the number of beneficiaries. From 1995 to 1999, the number of physicians per 1,000 beneficiaries grew slightly, from 12.9 to 13.1. The percentage of beneficiaries reporting trouble getting care (4%) was low in 1999 and essentially unchanged from previous years. (Testimony Before the Subcommittee on Health of the House Committee on Ways and Means, Hearing on Physician Payments, February 28, 2002)

Further, Chairman Hackbarth added, "One of the most important findings of the survey was that among physicians accepting all or some new patients, more than 95% said they were accepting new Medicare fee-for-service patients--a finding consistent with the results of another recent survey." The same assumption can be made concerning access to care in the Texas workers' compensation system relative to reimbursement. The commission disagrees with commenter's suggestion that maintaining adequate provider panels and specialty healthcare providers in small, rural areas will become a problem, as commenter noted is the case with Tricare, Medicaid Star, and CHIP. In some rural or specialty referral situations, access and availability is a concern regardless of payer types. These situations are not created by reimbursement levels. MedPAC in its Report to the Congress: Medicare in Rural America , June 2001, states, "Many conditions in rural areas present challenges to healthcare providers, including low service volume, longer travel times, difficulty in attracting healthcare providers, and greater dependency on Medicare patients and payments." These situations will have to be dealt with in the workers' compensation system just as they are dealt with in other systems.

The commission is developing the MQRP through the office of the Medical Advisor to monitor and help ensure that quality care is provided in the system. The commission disagrees that the adoption of §134.202 will cause unintended consequences on the efforts and enthusiasm of physicians serving under the Medical Advisor, or that it will be difficult to implement the MQRP and to gain momentum for issues like provider networks. In developing fee guidelines, the commission must reach a balance of costs, quality and access to care as well as other statutory factors and requirements. The aim of the panel is quality improvement and is not designed toward fee analysis. In addition to the development of the MQRP, the commission is implementing other medical quality initiatives set out in HB-2600. The revision of the requirements for inclusion on the approved doctor list will help assure that qualified doctors are treating injured employees. Increased training for treating doctors and doctors serving as designated doctors and required medical examination doctors also addresses quality of care concerns.

If reimbursement levels do not significantly impact access to care, there is no reason to believe that return to work timeframes would be affected.

Not all reimbursements are reduced from the 1996 MFG reimbursement amounts. The realignment of values for evaluation and management codes resulting from adoption of the RBRVS system significantly increases reimbursement to treating doctors as the gatekeeper in the workers' compensation system. This realignment indicates that since the adoption of the 1996 MFG evaluation and management services have been reimbursed at a level below the reimbursements in the Medicare system. Despite this below Medicare reimbursement for these services, the commission has not seen a corresponding reduction in availability of treating doctors. In addition to evaluation and management services, overall reimbursement for designated doctor examinations and required medical examinations are increased as is reimbursement for anesthesia services.

Because there are many changes being implemented as a result of HB-2600 (increased training for doctors, changes to requirements for inclusion on the approved doctors list, preauthorization process changes, new medical dispute resolution processes, etc.), the collective effect of these changes cannot be fully predicted.

COMMENT: Commenters stated that the real problem areas continue to be disjointed care at the primary care level, delay in seeking specialized care, barriers to timely treatment and diagnosis, inappropriate delay caused by so-called "expert peer-review physicians," and the continued ability of non-physicians (chiropractors) to manage complex medical problems.

RESPONSE: Quality of care issues are a primary concern and as discussed previously in this preamble, the commission is developing the MQRP through the office of the Medical Advisor to monitor and ensure that quality of care which included utilization is addressed in the system. The Texas Labor Code provides that chiropractors can be treating doctors and have the same rights and responsibilities as any other treating doctor in the workers' compensation system working within the scope of their practice act. The other concerns expressed by commenters are outside the scope of adopted §134.202.

COMMENT: Some commenters opposed the use of the Medicare system in determination of workers' compensation fees. Commenters opposed the low reimbursement rates and the Medicare benchmark, because of the vast differences in health care programs. Commenters described Medicare as a system of health care dealing with non-injury/non-traumatic diseases that have long term management horizons; whereas a workers' compensation system of health care is primarily for acute injuries with short term medical treatment goals and a key objective of return to work. Commenters are not satisfied with the Medicare reimbursement rates, in spite of fewer administrative burdens. Proportionately, the commission proposes more work with less pay than Medicare. Commenters stated the workers' compensation system is friendly to neither the health care provider nor the injured employee.

Commenter stated in TMA analysis chart the prices paid in the medical marketplace for physician services are much higher than the fees currently proposed as workers' compensation maximums. Workers' compensation insurers are commercial plans, not government-subsidized programs, in the marketplace for physician services, they compete with other commercial plans, not with government payers. Commenters recommended that instead of the application of arbitrarily set federal rates, that other considerations be applied. Commenters offered the following: the median commercial rates for therapy conversion factors as presented by Milliman; established local commercial fees; and reimbursements comparable to that found on the open market. Commenters raised concerns about tying workers' compensation reimbursement directly to the Medicare system. A commenter advised that Medicare requires an unduly complicated reimbursement methodology and is subject to too many variables, and further advised that two complicated systems, Medicare and Texas workers' compensation, should not be merged to cause even more complex processes and lower reimbursements. Other commenters stated they are opting out of the Medicare system as they can only break even if they stay in. Commenter raised concerns about losing physicians in the workers' compensation arena for the same reasons, stating the rates may not be as harmful for primary care physicians who perform surgeries, as they would be for specialty physicians performing complicated and expensive surgeries. Commenter advised that adopting the Medicare model is equivalent to lowering the base physician pay factor to an expected number of claims, and claims will rise without proportional raises in funds. Commenter objected to use of Medicare as a model for workers' compensation reimbursement, and stated Medicare has not kept up with technology, which will further reduce current rates that have not been adjusted for six years. Commenter opined that Medicare reimbursements are set differently, and are based on yearly federal budgetary issues, which is vastly different from that of workers' compensation system. Other commenters stated using the Medicare relative value units scale in any way is not a reasonable or rational thing to do. Commenter stated basing reimbursement on the Medicare dollar allowable is not fair because the federal government is not allowing any increased cost for federal mandated requirements, such as HIPAA, postage increase, or compliance programs, etc. Healthcare providers continue to serve the aged Medicare population as a service to society, a federally mandated charity. Commenters additionally stated that there is no justification for relating the MFG to the federal Medicare program designed for the aged and disabled.

RESPONSE: The commission disagrees that the use of Medicare as a benchmark is inappropriate in setting reimbursement rates because of the vast differences in health care programs. The commission has been mandated by HB-2600 to "use health care reimbursement policies and guidelines that reflect the standardized reimbursement structures found in other health care delivery systems. To achieve standardization, the commission shall adopt the most current methodologies, models and values or weights used by the federal Health Care Financing Administration," (has since been renamed the Center for Medicare and Medicaid Services (CMS)). Although the Medicare system was established primarily to serve the need of the elderly population, the program is a main component of the national health care system and has become a standard and benchmark for the development and operation for many commercial and governmental health care programs. Furthermore, as noted by WCRI, policymakers have been showing increased interest in Medicare as a benchmark. (WCRI: Benchmarks for Designing Workers' Compensation Medical Fee Schedules , 1995-96.)

At this date, 17 states have Medicare-based fee schedules of some sort for workers' compensation programs in place. WCRI has identified three reasons for using the Medicare physician's payment system as a guide to help design workers' compensation fee schedules. First, the Medicare fee schedule is the lowest in common use. Because effective medical cost containment is a statutory goal, it is appropriate for Texas to consider this. Second, the Medicare fee schedule corrects a typical bias of traditional reimbursement systems that overcompensate healthcare providers for expensive invasive high-technology procedures and under compensate healthcare providers for less expensive noninvasive low-technology procedures. The Texas 1996 MFG reflects that very bias. Third, Medicare fee schedules differ across states according to carefully researched measures of differences in the three elements of the costs of producing medical services: physicians' time and effort, practice expenses, and malpractice insurance premiums.

The commission has recognized that Medicare recipients have a similar standard of living as the general working population. In a study prepared by Research and Planning Consultants ( A Standard of Living Comparison Between the Working Population, the Medicare Population, and the Managed Care Population , March 1997; addendum to report, April 2001) the standard of living of the population covered by the Medicare program was found to exceed that of the population covered by the Act. The study further found that the standard of living of the population covered by managed care plans was at least as high as the population covered by the Act. Consequently, Medicare reimbursement is an appropriate standard for comparison to workers' compensation reimbursement.

In setting the 2002 MFG fees, the commission thus has used Medicare fees as a benchmark and has considered commercial market payments as indicative of economic indicators in health care, as required by the statute. The commission determines "fair and reasonable" is not based solely on the market value of services provided to injured employees. Fair and reasonable compensation in the Texas workers' compensation system is a balance of all the required components of the Act. These are rigorous statutory requirements, which are not easily balanced. In balancing the statutory mandates and objectives, the commission considered numerous issues, with the goal of establishing fair and reasonable fees that will assist in achieving effective medical cost control.

The commission also disagrees that the Medicare system, or CMS, has not kept up with technology. The adoption of current Medicare payment policies provide consistency and the CCI edits provide additional consistency in the appropriate bundling/unbundling of codes to identify and eliminate the incorrect coding of medical services and promote national correct coding methodologies, thus leading to appropriate payment. These features of the Medicare system address utilization of medical treatments and services by disallowing reimbursement for inappropriately coded services.

The commission disagrees the workers' compensation system will lack participating physicians. In recent correspondence with the commission, the TABCC Technical Work Group stated, "There is no evidence to suggest Medicare beneficiaries have any difficulty gaining access to needed services or that the quality of those services is diminished by Medicare reimbursement rates or payment policies. For DME and dental services, there is no evidence that beneficiaries of that program have difficulty gaining access to services or that the quality of services has been decreased by the payment schedule." However, the commission agrees that the workers' compensation system has unique differences from other health care systems, and these differences are acknowledged through the multiplier, which increases reimbursement from that in the Medicare system. The commission agrees that Medicare reimbursements are based on yearly federal budgetary issues, but the commission disagrees that such considerations are vastly different from workers' compensation concerns because of previously discussed statements regarding high medical costs per claim. The commission is mandated to set reimbursement levels and meets this responsibility through adopted fee guidelines. The use of the Medicare reimbursement structure is the reference point for the proposed MAR calculations, and the commission does not adopt the Medicare fee schedule nor are MARs based solely on the Medicare reimbursements. Additionally, the Medicare system, including RBRVS, is a consistent standard used in most medical practices and assures that healthcare providers are already aware of the majority of the standard coding, billing, and reimbursement policies. The application of subsequent updates will allow healthcare providers to maintain a consistency between their Medicare and workers' compensation practices.

COMMENT: Commenter recommended the commission identify the high quality/low cost areas to receive treatment directed by the physicians. Commenter stated more money and education to the practitioner would reduce overall cost of care. Commenters recommended the development of firmer guidelines or treatment algorithms as reference for adjustors. Commenter stated that the Medical Fee Guideline should be structured to ensure cost effective treatment at highest level of quality delivery and in an appropriate setting.

RESPONSE: The commission disagrees that the MFG is the format for addressing appropriate treatments for the care of injured employees. While cost effective treatment is an important component of the total health care delivery system, the MFG sets appropriate reimbursement levels for services but does not address doctor decisions regarding medically necessary treatment. Medicare payment policies and health care provider practice acts address the quality of care issues and where care is provided. Quality of care issues are a primary concern and as discussed previously in this preamble, the commission is developing the MQRP through the office of the Medical Advisor to better monitor and ensure that quality of care is addressed in the system. Individual practitioners have the responsibility to provide services within the parameters of their license and the scope of their practice act, and are reimbursed according to commission rules and fee guidelines. The commission disagrees that more money reimbursed to healthcare providers will reduce overall costs. There is no basis provided for commenter's assertion that receiving more money for the provision of health care to an injured employee would equate to the reduction in overall cost of care. It is unclear how increasing the fee schedule over 1996 MFG rates would/could decrease costs per claim in Texas, which are already some of the highest in the nation. The commission agrees that provider education is an important element in reaching the goal of balancing costs of care. The commission provides many education opportunities for healthcare providers and will continue to do so.

COMMENT: Commenters expressed general opposition to adoption of proposed §134.202, subsection (c), stating that the problem generating the high costs in the system is over-utilization of services and duration of medical treatment, not of individual fees; the fee schedule is not the issue and lowering the reimbursement in the MFG will not counter the true cause of the excessive expense in Texas, it is utilization of the fees. Commenters recommended that the proposed guideline be withdrawn and revised, as it imposes a "perceived fix," a "one size fits all" approach for the legislative mandate, which was to curb over-utilization; and that the purpose of HB-2600 was to curb costs by controlling over-utilization and identifying outliers in the system. Commenters voiced opposition to the adoption of the proposed guideline as a violation of the law, of HB-2600.

Commenters suggested that lowering fees could exacerbate the situation in that healthcare providers would need to perform more services in order to maintain their reimbursement levels, that chiropractors will be encouraged to treat more frequently, and that surgical care will be concentrated in workers' compensation mills where frequency will increase, again elevating costs in spite of lower basic reimbursement levels. The proposal to reduce fees will only make the problem worse as it severely punishes the practitioner who can fix the problem and the rule as proposed does nothing to curb over-utilization. Commenters stated that the current Texas reimbursement is already in line with that of other states. Commenters referenced various sources of data to support their opposition, including the WCRI's Benchmark Data Study, results of the ROC study, the commission's System Data Report. Commenters opposed the adoption of the proposed rule, stating that the goal of physicians is to get injured employees well and back to work, that physicians do not over-utilize the system. Commenters further suggested that system abuse has been proven to be over-utilization by non-physician healthcare providers in conjunction with excessive and frequent office visits, use of passive modalities, and primarily of chiropractic care being allowed to go unchecked. Commenters recommended that the commission take steps to curb over-utilization, to focus on over-utilization and reign-in gross over-utilization of passive treatment versus skilled interventions, to limit the known over-utilization by chiropractors, ancillary healthcare providers and other chronic offenders, and to individually eliminate abusers from the system.

RESPONSE: The commission disagrees that the proposed MFG should be withdrawn and revised. The commission agrees that utilization plays a part in cost containment; however, the reimbursement levels established in the MFG are not the primary means for addressing over-utilization. Healthcare utilization, as a consideration in the MFG, is addressed by the inclusion of current Medicare payment policies and CCI edits, which consistently and appropriately bundle/unbundle codes. The CCI edits appropriately identify and eliminate the incorrect coding of medical services, and promote national correct coding methodologies, and control improper coding leading to inappropriate payment. The code edits were developed based on review of CPT code descriptors, CPT coding instructions and guidelines, local Medicare carrier and national edits, and Medicare billing history. HCFA says, "The CCI edits are pairs of CPT or HCPCS Level II codes that are not separately payable except under certain circumstances. The edits are applied to services billed by the same provider for the same beneficiary on the same date of service." These features of the Medicare system address utilization of medical treatments and services by disallowing reimbursement for inappropriately unbundled services. Healthcare utilization is also being addressed elsewhere by the commission: by the inclusion of current Medicare payment policies and CCI edits, which consistently and appropriately bundle/unbundle codes.

In addition, the commission is developing the MQRP through the office of the Medical Advisor, which will address over-utilization by monitoring to ensure quality care is provided in the system. The Medical Advisor and the Division of Compliance & Practices are developing methodologies to identify and monitor utilization levels, tracking services billed by provider types and by individual healthcare providers and when appropriate take disciplinary action or administer penalties to participants that violate commission rules. Other features in the HB-2600 legislation such as preauthorization revisions, and revision of the requirements for inclusion on the approved doctor list, were designed to target over-utilization of health care treatments and services. These new features will work together with the fee structure in the MFG to address cost containment including utilization of services in the system.

Doctors in the workers' compensation system should facilitate getting injured employees well and back to work. It is the responsibility of healthcare providers in the system to provide health care that is medically reasonable and necessary. Therefore, the realignment of reimbursements consistent with the RBRVS should not result in greater utilization of services. There is a possibility that healthcare providers whose incomes are injured by the fee changes will increase the volume and intensity of medical services furnished. This reaction would undermine the efforts of the RBRVS system to shift the service mix away from surgery and imaging procedures and would increase system costs. There has been an intensive debate in the literature on the extent to which this kind of physician demand creation occurs, but we do know that RBRVS has been successful in reducing the number of surgeries provided under Medicare in spite of the price cuts for these services. Physician response to less important payers such as workers' compensation should be even more restrained, since theory asserts that demand creation is due to efforts to protect total physician income rather than a typical market response to relative price changes. ((WCRI: The RBRVS as a Model, 1996) citing (Physician Payment Review Commission, 1994.)) The commission disagrees that over-utilization of health care in the system is limited to any particular health care provider type. One of the commission's fundamental purposes is to assure a proper balance of costs, quality and access to care, and to facilitate the injured employee's timely return to work. The ROC and WCRI studies indicate over-utilization as a significant component in the excessive costs per claim exhibited by the Texas workers' compensation system. Features in the HB-2600 legislation such as preauthorization revisions, the creation of the MQRP, and revision of the requirements for inclusion on the approved doctor list were designed to target over-utilization of health care treatments and services. These new features will work together with the MFG fee structure to address cost containment including utilization of services.

COMMENT: Commenters recommended that the commission focus cost containment efforts on a targeted review and provider credentialing processes to selectively identify and control over-utilization without placing punitive burdens on health care professionals for something they did not create and who are providing appropriate care; the proposed rule does not distinguish between abusive healthcare providers and rational healthcare providers. Commenters requested that the commission find a better method to curb the over-utilization rather than penalizing physicians and other healthcare providers, such as Physical Therapists, who are providing high quality, cost effective care by lowering reimbursements across the board, and recommended "punishing the crooks and not the masses with such fee reductions." Commenters expressed opposition to the rule as proposed, stating that HB-2600 established the ability to reduce reimbursements to system abusers, requiring the commission to police the caregivers for over-utilization, not simply reduce fees across the board for all healthcare providers, which commenters stated is irrational. Commenters recommended that the commission control the problem instead of slashing the MAR to meet the mandate of cost control, to handle the abusers and pay a fair wage to those who operate within the protocols of acceptable medical care. Commenters further recommended that the commission raise the standard for all physicians who desire to participate in the system, require better certification to provide care, instead of "looting the system." Recommendations were also made for the commission to crack down on fee abuse, go after the abusers and limit system-abusers in their ability to see workers' compensation clients, to establish a fraud unit and reform the currently corrupt system, to focus on case management and leave the fee reimbursement where it is, to study injury outcomes and to eliminate substandard care, directing injured employees to high quality physicians. Commenters recommended the commission locate above average physicians who have demonstrated good judgment, rewarding doctors who do things right with a higher multiplier compared to other doctors. Commenters further recommend that proper utilization review is more effective in cost containment and less expensive to the system, that bill review has been proven to be a very effective deterrent to over-utilization or the provision of unnecessary services for which the provider is taking the risk of not getting paid. Commenters recommended that since the commission has a problem with the number of visits per claim, not the fee schedule, it would be more appropriate to put controls on utilization, such as preauthorization of therapy visits that exceed 15. In addition, commenters suggested that the commission require a provider-specific modifier on the billing with the CPT code to identify provider type and over time evaluate utilization of codes, treatment visits, total case cost and medical outcomes in order to get a definite idea of who the abusers are. Commenters stated that the commission is abdicating its responsibility to monitor costs by proposing fee-based rules rather than identifying and monitoring outliers and excessive users. Recommendations were made for the commission to focus on the specific classes of healthcare providers to monitor for necessity of care rendered and legitimacy of related billing rather than global reductions intended to limit over-utilization.

RESPONSE: The commission agrees that cost containment efforts of the commission should include raising the standard for all healthcare providers who desire to participate in the system. HB-2600 addressed this concern with requirement changes for inclusion on the commission's approved doctor list and with increased training requirements for doctors who wish to treat injured employees. Additionally, the commission is developing the MQRP through the office of the Medical Advisor to monitor and help ensure quality care is provided in the system. In developing fee guidelines, the commission must reach a balance of costs, quality and access to care, as well as other statutory requirements and factors. Studies have shown that Texas per claim medical costs are currently among the highest in the nation. The MFG and related multiplier is one component of addressing cost containment. The reimbursement levels established in the MFG are not the primary means for addressing utilization of health care.

The provisions of the MFG are not punitive in purpose. Reimbursement amounts were carefully developed to comply with the requirements of the Texas Labor Code as set out in detail elsewhere in this preamble. The MFG addresses the fees for medical services while Medicare payment policies and other commission rules are more directly aimed at utilization and quality. These rules work together to address cost control. The MFG adopts a standardized consistent method for determining reimbursements. It is not meant to target particular services or healthcare providers. Monitoring and enforcement initiatives are addressed through the commission's Medical Advisor, the MQRP, and the Division of Compliance and Practices. These entities will develop methodologies to identify and monitor utilization, track services billed, and take appropriate disciplinary action or administer penalties to participants who violate commission rules. Through these efforts, the commission may authorize increased or reduced preauthorization controls for a doctor pursuant to §413.023(b).

The commission disagrees with commenters' statements that the commission is abdicating its responsibility to monitor costs, and the commenters' specific examples of placing controls, not through the MFG, but through preauthorization of therapy visits that exceed 15. Preauthorization concerns are outside the realm of the MFG and are addressed in other commission rules. Additionally, the commission disagrees with commenters' recommendation to require within the MFG a provider-specific modifier on the billing in order to facilitate the identity of provider types and profiles for purposes of monitoring outliers and excessive users. This is not necessary as the commission already utilizes a method for tracking provider services. Again, such statements and specific examples are outside the realm of the MFG and are addressed in other commission efforts and rules.

COMMENT: Commenter questioned the commission's reliance on questionable data provided by Milliman if the State of Texas withdrew the Milliman report as a result of a lawsuit brought against the commission due to the State's not following proper protocol for obtaining the services of Milliman. Commenter stated this proposed rule is based on an evaluation by Milliman, which is a largely discredited set of research studies. Commenter questioned Milliman's commercial data which indicates the median commercial fees is 67% higher than Medicare, as most experts in the reimbursement industry realize Medicare rates are the low end of the spectrum of fees and not representative of the current market.

RESPONSE: The commission disagrees. The Milliman report has not been withdrawn and it stands on its own merit. The commission withdrew the previously proposed §§134.202-134.208 so that it could be redrafted to include more of the features of the Medicare system. The findings of the Milliman report have been useful in the development of this MFG and are believed to be an accurate and competent analysis. Milliman reported in table A2 of its market analysis that the estimated commercial median was $53.08 or 38.7% greater than the 2001 Medicare conversion factor. Medicare reimbursements are a significant portion of the healthcare market and many commercial payers are indexed to Medicare reimbursements. Additionally, it is well known that although most commercial reimbursements are greater than Medicare some commercial reimbursements are below Medicare rates. Analysis by commission staff estimates 1996 MFG reimbursement as approximately 140% of 2002 Medicare reimbursement. These ratios allow the commission to establish the high end of the range of fair and reasonable reimbursements at 140% of 2002 Medicare reimbursements. According to Milliman, 1996 MFG reimbursement is at the high end of fair and reasonable when compared to other states and the Texas commercial market. Reimbursement at this level has resulted in a cost per claim in Texas that is estimated to be approximately 50% higher than the states average or the states median. (WCRI's The Anatomy of Workers' Compensation Medical Costs and Utilization: A Reference Book , December 2000).

COMMENT: Commenter was perplexed by the commission's contradictory assertions in the preamble that the previous fee schedule was approximately equal to 130% or 140% of Medicare, and that it was approximately equal to commercial rates. The commission's consultant reported that the old fee schedule was equivalent to an aggregate conversion factor of $62.58, which is 173% of the current Medicare conversion factor, and that the commission's median was $63.90 or 177% of current Medicare rates. If the current fee schedule is, in aggregate, equal to 140% of Medicare, then it certainly is not equivalent to the commercial rates reported to the commission.

RESPONSE: The commission disagrees. The commenter's comparison is invalid. The $62.58 and the $63.90 relates to an average MAR amount for CPT codes included in the sample and has no direct relation to the Medicare conversion factor. The relationships outlined in the Milliman study of 130%-140% of Medicare have been consistently validated. As previously stated in this preamble, Milliman looked at commercial reimbursements, and other state workers' compensation systems, in addition to Medicare allowed fees. Milliman drew the following conclusions: (1) commercial reimbursement rates in Texas show variations that are wider than can be explained by geographic differences, and current MFG reimbursement levels fall within this broad range; (2) current MFG reimbursement levels tend to be high relative to other state workers' compensation systems, with the exception of E/M services; and (3) current MFG MARs average approximately 130% of calendar year 2001 Medicare allowed fees. Consequently, this market analysis supports the conclusion that the reimbursement rates in effect since the 1996 MFG have been on the high end of "fair and reasonable." With these factors in mind, the commission considered the range of fair and reasonable reimbursements from 100%-140% of 2002 Medicare, in establishing the adopted conversion factors.

COMMENT: Commenter stated the commission spent in excess of $300,000 obtaining data and then ignored this data; this is a clear waste of the taxpayers' dollars.

RESPONSE: The commission disagrees that data provided by Milliman was ignored. As previously discussed in detail in this preamble, Milliman, a professional firm specializing in actuarial and health care services, assisted the commission in developing a new MFG. Milliman provided the commission with written reports of their findings and recommendations and the commission has made numerous references to the information provided by Milliman. The Milliman reports were valuable in the commission analysis of the reimbursements set in the 1996 MFG and those in other payer systems. These were essential factors in the development of the adopted multiplier.

COMMENT: Commenters stated the proposed MFG is detrimental to employers as it will ultimately increase time away from work and increase costs for injured employees' to return to work, because healthcare providers will no longer have sufficient staff to assist in return to work. Commenters stated the low reimbursement rates would drive up the costs of facilitating return to work initiatives. Commenters stated the proposed MFG may ultimately backfire and result in more medical cost in the long run due to poor care given by providers who remain in the system because they do not have an interest in providing appropriate medical care or in early return to work. Commenter recommended the commission seek a solution that will benefit injured employees and result in an increased return to work rate and decreased permanent disability.

RESPONSE: The commission disagrees that the MFG is detrimental to employers or that the MFG will increase injured employee's time away from work. Reimbursement is based on medical services and treatments provided and billed. Return to work programs referenced in (e)(5) of this rule are reimbursed in accordance with the MFG. Rehabilitation return to work initiatives that do not provide direct patient care fall outside the purview of the MFG. In correspondence with the commission, the TABCC Technical Work Group stated, "The new MFG should reduce the unit cost of medical services and should reduce over-utilization of medical services. Today medical services are the majority of benefit costs employers pay through workers' compensation insurance premiums or directly through self-insurance programs. Reducing the cost of the medical treatment under the workers' compensation system should reduce the rate of costs increases. Over-utilization of medical services also delays the return to work of employees." The commission further disagrees that the MFG, will result in more medical costs because of healthcare providers remaining in the system who have no interest in providing appropriate medical care or in early return to work. Commenters do not provide any factual basis for such behavioral predictions of healthcare providers as a direct result of establishing the MAR in the MFG. Monitoring billing patterns of all healthcare providers, is one of the functions of the Compliance and Practices Division and not a direct function of the MFG. Further, through the office of the Medical Advisor, the MQRP will also be involved with associated quality of care issues. The commission is continually seeking solutions that will benefit injured employees in an increased return to work rate and decreased permanent disability, and those suggestions are being administered by other divisions of the commission through the implementation of other rules.

COMMENT: Commenters opposed the decrease in therapeutic services and the proposed increase in modalities, noting the modalities are passive in nature, and suggesting it is counterproductive to decrease benefits on treatments that can ultimately return individuals to prior functional levels. Commenter recommended reconsideration by increasing the reimbursements for therapeutic services that can return an injured employee back to work.

RESPONSE: The commission disagrees that an increase in reimbursements for therapeutic services is necessary to return an injured employee to work. The methodology used to determine fair and reasonable MARs in the adopted MFG is explained in detail elsewhere in this preamble. Reimbursement for therapeutic services was determined in accordance with the same methodology used for reimbursement of other services.

COMMENT: Commenters recommended that the input from TMA and physicians involved in treating injured employees be considered and negotiate a fee which would be acceptable to all involved. Another commenter recommended that any new fees be objectively negotiated with the input of all parties, including orthopedic surgeons.

RESPONSE: The commission disagrees that further input is needed. The commission agrees that stakeholder input is an important element of the rule making process. Stakeholders have had numerous opportunities to present recommendations and data to the commission and the commission has reviewed and considered the large volume of comment received. The time constraints for final adoption as required by HB-2600, dictate the adoption of §134.202 during the April 2002 public meeting, as does the need to address cost control and standardize reimbursement structures and methodologies. The commission also disagrees that a rate should be negotiated. The extensive and complex mandates required by the Legislature for the MFG have been carefully weighed and balanced together with all input from system participants.

COMMENT: Commenter expressed concern about the lack of information provided to system participants regarding the methodology and data sources used by the commission to develop the proposed 120% across-the-board conversion factor and recommended the commission provide this information to system participants and hold a HB-2600 stakeholder meeting to discuss the statutory compliance of the proposed conversion factor, prior to the Commissioners' scheduled vote on this rule. Commenters are opposed to the reimbursement rates as proposed stating the physicians and certain medical associations were not involved in the process, or ignored, and that such arbitrary reduction without discussions of the impact to those providing the care is absurd. Commenters additionally stated opposition to the rates as proposed, as they are not a reflection of previous comments and input, and are substantially below the previously proposed and withdrawn fees, which were criticized as inadequate. Commenter objected to the statement in the preamble that, "Texas physicians and healthcare providers helped craft this rule through their support and input." Commenter stated that even though they are major stakeholders in the workers' compensation system, their many attempts to furnish meaningful input are not reflected in the current proposal, which is much further away from their organization's position as well as from an earlier withdrawn proposal. Commenters stated that there is no evidence of consultation with or input from any physicians' groups prior to proposal and that the commission has essentially ignored physician input. Commenter felt all offers to assist the commission in developing a fee guideline have been ignored.

RESPONSE: The commission disagrees that system participants have lacked or not been provided information regarding the methodology and data sources used by the commission in the development of the MFG. The methodology and resources used in developing the MFG was contained in the proposal preamble to this rule and is discussed in detail in this preamble. In the development of the MFG, the commission has repeatedly solicited input and data, and received input and comment from system stakeholders into both the draft and proposed rules. This input included comments from the Medical Advisory Committee (MAC) concerning earlier drafts of MFG ground rule revisions and public comment concerning the withdrawn June 2001 MFG proposal. In addition, comments received regarding the June 2001 proposal of the MFG included over 2000 issues received from more than 400 commenters. Additionally, in developing §134.202, commission staff met and discussed issues with the primary HB-2600 Legislative Stakeholders. This Legislative Stakeholders group included: a delegation of employers, insurance carriers, utilization review organizations, and other interested parties working under the umbrella name, TABCC Technical Work Group; TMA; and TCA to consider the implications of HB-2600 as related to the withdrawn proposal and subsequent proposals. The commission provided draft rules to stakeholders in October and November of 2001. The commission requested and received additional written comment concerning the proposed draft rule language and subsequently held a stakeholder meeting on November 13, 2001. The written comments received as well as the discussion at the stakeholder meeting were an important consideration in the development of the proposal presented to the Commissioners in December 2001. The commission disagrees that a HB-2600 stakeholder meeting should take place to discuss the statutory compliance of the conversion factors prior to the Commissioner's scheduled vote on this rule. Stakeholders have had numerous opportunities to present recommendations to the commission and the commission has reviewed and considered the large volume of comment. There are time constraints for final adoption as required by HB-2600 and the need to control high medical costs. The MFG was redrafted taking into consideration all statutory mandates and comments received. Comments were only one part of the many considerations, which were weighed in drafting the rule.

COMMENT: Commenters stated that neither the MAC as a whole nor any subgroup of the MAC were asked to review, advise or comment on the proposed Medical Fee Guideline, prior to or subsequent to the proposal. Commenter stated that the proposal did not follow the Texas Labor Code, §413.005(a) which states that the MAC advises the Medical Review division in developing and administering the medical policies, fee guidelines and utilization guidelines. Commenter felt that review by the MAC is required and that if the MAC had had an opportunity to review the guideline prior to proposal, there could have been some understanding by the commission of the impact of this proposed rule, not only on the healthcare providers, but on the injured employees, as well.

RESPONSE: The commission disagrees with commenters' assertion that input from the MAC was not sought and incorporated into the rule proposal. In the ongoing development and revision of the MFG, the commission has repeatedly solicited and received input from the MAC concerning ground rules and other system concerns. Because the time requirements of HB-2600 necessitated a prompt re-proposal of the MFG, the opportunity for MAC input was limited. Many members of the MAC took advantage of the public comment opportunity and their comments are addressed throughout this preamble. The commission disagrees that review by the MAC is required. The commission is aware of the impact of this rule on all system participants and has considered this impact in the development of a balanced rule. Much of what was adopted in the MFG is mandated by the provisions of the Texas Labor Code.

COMMENT: Commenter expressed opposition that the commission had previously hinted at procedure specific reimbursement rates, higher than that which was proposed. Commenters stated that they were unaware of any data or information that would have led the commission in applying a reimbursement rate across the board that was lower than previously discussed.

RESPONSE: The commission disagrees that any procedure specific reimbursement rates were implied. The adopted rule is designed to closely follow all the directives of HB-2600 and the commission is mindful of the high costs per claim in the Texas workers' compensation system. As stated in the proposal preamble, a market analysis was conducted by Milliman, a professional firm specializing in actuarial and health care services, reviewing commercial reimbursements, and other state workers' compensation systems, in addition to Medicare allowed fees. Milliman drew the following conclusions: (1) commercial reimbursement rates in Texas show variations that are wider than can be explained by geographic differences, and current MFG reimbursement levels fall within this broad range; (2) current MFG reimbursement levels tend to be high relative to other state workers' compensation systems, with the exception of E/M services; and (3) current MFG MARs average approximately 130% of calendar year 2001 Medicare allowed fees. Consequently, the commission determines that this market analysis supports that the 1996 MFG reimbursement are on the high end of "fair and reasonable."

COMMENT: Commenters expressed concerns that numerous key system participants, including the medical advisor, were left out of contract negotiations and the subsequent far-reaching change in reimbursements. Commenter suggested that the goodwill necessary to maintain physician involvement in dealing with utilization issues would be compromised.

RESPONSE: As stated in a detailed response to a previous comment, the commission disagrees that numerous key participants were left out of the development of this MFG. The Medical Advisor plays a role in development of commission rules and was consulted concerning this rule. Additionally, the commission clarifies that there were no "contract negotiations" involved in the MFG. A primary factor in the change of reimbursement levels is the move to the RBRVS system mandated by the Legislature. Stakeholders were involved in the development of HB-2600 as well as in the development of this adopted rule. The commission disagrees that the goodwill necessary to maintain physician involvement in dealing with utilization issues will be compromised by the adoption of this rule. As discussed previously, studies of medical costs in the Texas workers' compensation system have revealed that Texas had the highest average medical cost per claim of the states studied and higher individual treatment costs than the group health system. The MARs set in the MFG for medical treatments and services are an important piece of achieving effective medical cost control. Utilization of particular medical treatments and services is another piece. The MFG addresses the fees while other rules are more directly aimed at utilization and quality. These rules work together to address cost control. In addition, adoption of current Medicare payment policies and CCI edits, which consistently bundle/unbundle codes and appropriately identify and eliminate incorrect coding of medical services, will assist in controlling utilization. CCI edits also promote national correct coding methodologies and assist in controlling improper coding which leads to inappropriate payment. The code edits were developed based on review of CPT code descriptors, CPT coding instructions and guidelines, local Medicare carrier and national edits, and Medicare billing history. This feature of the Medicare system addresses utilization of medical treatments and services by disallowing reimbursement for inappropriately unbundled services.

COMMENT: Commenters advised the commission to consider more thorough medical doctor representation in decision-making processes as a long-term need, thereby allowing the physician community to truly negotiate fees. Commenter indicated that such negotiation should be done through a more neutral state administrative office, or arbitration. Commenter further supported this recommendation as a more prudent approach in light of HB-2600 and the fact that Texas has a Physician Negotiation Act.

RESPONSE: The commission agrees that input from system participants, including medical doctor representation, is beneficial in the development of fee guidelines. As previously stated, such input was obtained prior to proposal of the rule in December 2001, and prior to adoption in April 2002. Medical doctors provided some of the input and the TMA and the TCA were major participants in the process. However, the commission disagrees that decision-making requires the medical community to negotiate fees with the commission, or that a neutral state administrative office or arbitrator is required for this purpose. It appears that commenter is referring to Texas Insurance Code Art. 29.01 entitled Joint Negotiations by Physicians with Health Benefit Plans. Workers' compensation insurance coverage is specifically exempted from this statute. The responsibility for establishing fees and complying with the Act is the commission's, which must utilize its expertise to best accomplish this.

COMMENT: Commenter stated this rule would only save money for the workers' compensation carriers.

RESPONSE: The commission disagrees that the MFG is intended to only save money for the workers' compensation carriers. As discussed in this preamble, the adopted MFG was designed to comply with all the statutory mandates provided by the Legislature, which benefit all system participants.

COMMENT: Commenter recommended incorporation of the payment policies. Commenter recommended an adjustment factor be used.

RESPONSE: The commission agrees that payment policies be incorporated into the MFG rule, and clarifies that the Medicare payment policies are incorporated in subsection (b) of this rule. Regarding the use of a payment adjustment factor, the commission clarifies that yearly payment adjustment factors will occur as the Medicare system changes conversion factors annually and the MFG MARs will be indexed to the Medicare system.

COMMENT: Commenter stated the proposed rule completely disregards legislative authority and if promulgated, litigation is sure to follow and the commission will be unable to justify its position.

RESPONSE: The commission disagrees that the adopted rule disregards legislative authority or that the commission's position is not justifiable. This new rule is adopted to comply with statutory mandates in the Texas Labor Code, Section 413.011. The new rule has been adopted in accordance with the Texas Administrative Procedures Act (APA) and complies with the legislative mandates in both structure and function. All statutory directives have been carefully considered and met. However, it is not unusual for litigation to follow the adoption of controversial rules such as this.

COMMENT: Commenter opposed standardization per diagnosis of reimbursement, stating it does not make sense. Commenter stated this suggests that every individual heals the same, which is inaccurate.

RESPONSE: The commission disagrees. The commission is not implementing case rates or a capitated system. The workers' compensation system maintains its traditional fee for service structure for professional services. These standardized reimbursements, with the inclusion of CPT codes and descriptors, RBRVS valuing scales, and other tools of the industry, are well established, mainstream medicine, and widely used by all health care systems. Also, the commission recognizes that individuals heal differently, yet clarifies that such factors are built into the system of reimbursements, provided the health care provider utilizes appropriate coding structures.

COMMENT: Commenter suggested there is no evidence that the proposed rule will help employers control costs, and that the proposed rule contains other provisions that are incompatible with Texas law.

RESPONSE: The commission disagrees that the MFG will not help employers to control costs, and that the rule contains other provisions that are not compatible with Texas law. In correspondence with the commission prior to proposal, the TABCC Technical Work Group provided that the new MFG should reduce the unit cost of medical services and should reduce over-utilization of medical services. Employers should ultimately experience the positive economic impact of medical benefit costs being lower and possibly a reduction in indemnity costs, which should be passed on to the employer in lower premiums.

COMMENT: Commenter suggested that in order to be consistent with the provisions of HB-2600 and to ensure the injured employees have access to effective therapies, the commission needs to modify the proposed rule by using a payment methodology that does not utilize a fee schedule.

RESPONSE: The commission disagrees that a payment methodology that does not utilize a fee schedule should be adopted. The use of the CMS RBRVS relative value unit system is mandated by statute. The use of this value unit system results in a significant realignment of reimbursements among the CPT groupings. Therapies are valued in a consistent manner in the RBRVS with other services. This methodology provides standardization as required by HB-2600.

COMMENT: Commenter recommended modifications to subsection (c) to read, "To determine the maximum allowable reimbursement (MAR) for professional services, system participants shall apply the Medicare payment policies; however, the MAR shall remain unchanged from the rate dictated by §134.201 and §134.302, regardless of the date professional services were provided." Commenter stated that the terms of this subsection are inconsistent with the Texas Labor Code because it calls for "appropriate fees." The adopted reimbursement levels and the commercial and Medicare markets are benchmarks for establishing reimbursement levels of this rule.

RESPONSE: The commission disagrees with recommended language substitution for subsection (c), and disagrees that the fees are inconsistent with the Texas Labor Code. HB-2600 mandated the use of the CMS RBRVS system, which spends a considerable amount of time and research to incorporate economic factors in establishing and updating relative values and conversion factors. The use of MARs in the 1996 MFG with the current Medicare payment policies would not comply with the mandates in HB-2600 and would not be compatible. The numbers of relative value units assigned to each procedure by Medicare are retained, but markedly different conversion factors are used for the various medical sectors. This results in the loss of the some of the benefits of the Medicare RBRVS, because relative prices do not fully reflect relative cots and so the service mix does not fully adjust. (WCRI, The RBRVS As a Model for Workers' Compensation Medical Fee Schedule: Pros and Cons. , Dr. Phillip L. Burstein, July 1996) The commission agrees that commercial and Medicare markets are benchmarks in revising and establishing the rates and both have been reviewed in the development of the adopted MFG.

COMMENT: Commenter stated commission proposed rules prevent compliance with federal law of Medicare methodology using paper based filing system. Commenter recommended that the commission evaluate a way to expedite claim processing electronically and reduce the amount of paper reporting.

RESPONSE: The commission disagrees with commenters' suggestion that this rule prevents compliance with federal law of Medicare methodology by using a paper-based filing system. The commission is not able to implement an electronic filing system at this time; however, the commission's consideration of electronic billing is a component of the agency BPI initiative, which is currently reviewing the possibility of using an electronic system in the future. In addition, paper billing is allowed in the Medicare system.

COMMENT: Commenter expressed opposition to the commission's noted 40% decrease in surgical reimbursements for workers' compensation patients, while also implementing dispute rules, where if lost by the health care provider, causes an added $640 per hour to their cost of providing care to an injured employee. Commenter further expressed opposition to a bureaucrat's being paid $640 to resolve a dispute if it is more than a surgeon's reimbursement for performing surgery on a patient.

RESPONSE: Commission disagrees that reimbursement rates in the MFG are related to fees charged for an independent review organization (IRO) dispute resolved by an appropriate healthcare provider. The two processes vary considerably and are not comparable. Rates adopted for IRO reviews are addressed in other commission rules and were established to be consistent with IRO fees established by the Texas Department of Insurance.

COMMENT: Commenters suggested that by using a multiplier of Medicare, it increases the value of procedures like an appendectomy at the expense of useful procedures to the workers' compensation patient, like a fracture repair. Commenter suggested that the pie in the Medicare system is limited by the federal budget, and the assigned relative value units are not necessarily at levels that reflect any value at all, only the value to the typical Medicare patient. Commenter suggested the proposed fee schedule devalues these very important procedures and diminishes their reimbursement by 40% to 50%.

RESPONSE: The commission disagrees that a multiplier of the Medicare allowable fees has a different value in the Medicare system than in the workers' compensation system, or that the RBRVS system only values services typically provided to a Medicare patient. The RBRVS system used by Medicare reflects the relationship between the resources necessary to provide a professional medical service relative to resources necessary to provide other professional medical services. The RBRVS uses three components to establish the total relative value units for a particular code: (1) work; (2) practice expense; and (3) malpractice insurance. All of these speak to the valuation of physicians' effort. The commission also disagrees with the implication that because the Medicare reimbursement is limited by the federal budget, the RBRVS values are affected. As previously stated in this preamble, the commission determines fair and reasonable compensation in the Texas workers' compensation system to be a balance of all the required components of the Act. The fact that the Medicare system has unique budget limitations is recognized and accounted for by the multiplier in the adopted MFG. RBRVS was developed independently of Medicare and then applied to Medicare. The relative value for a procedure is established based on the resources used to conduct the procedures without regard to payer type or patient type. That is why the system is transferable to the general healthcare system and is an appropriate model for the commission.

COMMENT: Commenter recommended clarification on how pricing and billing will be handled for limited, standard, and extended radiology services.

RESPONSE: The modifiers for these services are no longer applicable. Coding for these services should be consistent with the most recent AMA CPT coding and the billing and reimbursement policies established by CMS.

COMMENT: Commenters recommended an allowance be made for same day therapy evaluation and therapy, which evidence-based studies have shown will prevent down coding or denials of payment. Commenter stated the studies have shown that cases will be closed sooner and at a lower case cost when an early intervention, sports medicine approach is utilized.

RESPONSE: The commission disagrees that an exception to the Medicare payment policies are in order for same day therapy evaluation and therapy. CCI edits, a component of the Medicare system, address issues such as this in a standardized fashion as required by HB-2600.

COMMENT: Commenter proposed leaving the reimbursement as is and pulling physical therapy codes out to be independent of any other care giver, thereby allowing physical therapy standards of billing and care to be established and discovering where the abuse cases are occurring.

RESPONSE: The commission disagrees that physical therapy should be treated differently than other services. To treat a specific type of healthcare provider differently would negate the benefits and values of the RBRVS system and would not use the most current methodologies, models, and values or weights used by CMS, as required by HB-2600. The cost analysis produced by commission staff did not differentiate, nor was it intended to differentiate among healthcare providers in order to identify system abusers. The MFG is not designed to specifically address utilization by specific healthcare providers in the workers' compensation system. However, the commission is developing the MQRP through the office of the Medical Advisor to address over-utilization by monitoring to ensure quality care is provided in the system. In addition, the Medical Advisor and the Division of Compliance & Practices are developing methodologies to identify and monitor utilization levels, tracking services billed by provider types and by individual healthcare providers.

COMMENT: Commenter recommended a bigger saving in the area of physical medicine.

RESPONSE: The commission disagrees. The conversion factors set in the MFG establish appropriate reimbursement levels when utilized in conjunction with RBRVS and the other components of the reimbursement systems. The values are established relative to all other services.

COMMENT: Commenters stated the use of GPCIs violates HB-2600 Art. 6 Sec. 413.011 subsection (d), as the GPCIs are clearly payment adjustment factors. Commenter stated very few other states use GPCIs for workers' compensation. Commenter stated employers who wish to be billed directly will not have the sophisticated systems to properly adjudicate these bills and could subsequently pay more than mandated. Commenter stated Alaska eliminated GPCIs after experiencing a rise in overall costs. Commenters stated the use of GPCIs would further depress payment rates to all physicians who are not located in a handful of urban counties and exacerbate existing access problems in underserved areas of Texas. Commenters recommended eliminating the use of GPCIs as these will have a significant impact on the time and cost of implementing the revised guideline, GPCIs create unnecessary billing and coding issues for both the healthcare provider and insurance carrier. Commenter recommended a middle-ground index across the state, this would simplify the billing process for all parties.

RESPONSE: The commission disagrees that the use of GPCIs is a violation of HB-2600. GPCIs are an integral component of the Medicare reimbursement system that takes into account cost variables due to locality, or regional price variations. The commission disagrees with various commenter recommendations regarding use, and non-use, of GPCIs, because they are part of the Medicare system, and will be used, as in Medicare, for regional price variations.

COMMENT: Commenter inquired, given the inflation of health care prices since the 1996 MFG, and that the commission used the commercial median reimbursement levels as an economic indicator when calculating the proposed 120% conversion factor, if it is reasonable to ascertain that any proposal that lowers reimbursement to below the commercial market median will be challenged by affected stakeholders.

RESPONSE: As discussed in detail elsewhere in this preamble, the new rule complies with the legislative mandate in both structure and function. All statutory directives have been carefully considered and met. It is not unusual for litigation to follow the adoption of controversial rules such as this.

COMMENT: Commenter recommended replacing the phrase "same conversion factor" with "the conversion factor adopted by CMS multiplied by 120%".

RESPONSE: The commission disagrees with recommended language. In the context of using the appropriate conversion factor terminology for anesthesiology services, the commission has determined that the "same conversion factor" language is clearer and emphasizes that the conversion factor to be used for anesthesiology is the same as that used for all other categories of services.

COMMENT: Commenter asked why anesthesia is dealt with in a separate sentence, and also requested wording clarification in subsection (c)(1) regarding the use of the adjective "effective," and inquired how it was intended to modify the phrase that follows.

RESPONSE: Medicare has a different conversion factor for anesthesia. However, although the 1996 MFG and the Medicare system utilize the American Society of Anesthesiologists (ASA) RVU system for anesthesia services, the Medicare anesthesia conversion factor is more than 50% below the 1996 MFG anesthesia conversion factor. Transitioning to the RBRVS system will result in significant fluctuations for some CPT codes in the different categories, but a 50% reduction in the anesthesia conversion factor will create a significant negative impact in the entire anesthesia category.

COMMENT: Commenter recommended the 1996 fee schedule be used as the base line, apply a factor to each CPT code based on the difference in the CPT code and 2002 Medicare fee schedule, and allow the reimbursement to decrease or increase with the Medicare fee schedule, but with the individually assigned baseline factor and not a one size fits all. Commenter stated this approach will be budget neutral for the first year and reimbursement would either increase or decrease dependent on the Medicare fee schedule.

RESPONSE: The commission disagrees that the 1996 MFG is an appropriate baseline. The 1996 MFG was designed to produce the same level of total expenditures as the charge-based 1991 MFG. Indexing to the 1996 MFG in effect maintains the inconsistencies and inadequacies of the un-benchmarked 1991 charge-based guideline. Additionally, establishing a window change modifies the relationships established in the RBRVS system and defeats attempts to standardize.

COMMENT: Commenter recommended all significant fee schedule changes be phased-in with a transition methodology, to stay consistent with Medicare methodology. Commenter stated a phase-in would be necessary to reduce the disruptive effect of the large changes in the payments for individual services caused by the change in relative values.

RESPONSE: The commission disagrees with the recommendation to phase-in fee schedule changes. A phase-in of the adopted MFG reimbursement was considered, but rejected upon consideration of the length of time since adoption of the 1996 MFG, the May 1, 2002 date for adoption of changes contained in HB-2600, and the need to control workers' compensation medical costs in Texas.

COMMENT: Commenter expressed support for allowing a yearly payment adjustment factor, as well as the proposed annual updates of RBRVS.

RESPONSE: The commission agrees with commenter's support of maintaining current annual RBRVS updates, and clarifies that yearly payment adjustment factors will also occur as the Medicare system changes conversion factors annually. So too, will the MFG MARs be indexed to the Medicare system, causing an annual reimbursement change in the Texas workers' compensation system.

COMMENT: Commenters recommended a yearly adjustment factor to give healthcare providers a timely increase in their fees or cost of living adjustments to the MAR, in part to assist them with keeping up with the increasing costs of supplies and personnel, and also for eliminating the "highs and lows" often attributed to the Medicare fee schedule and that assures workers' compensation fees remain fair and reasonable.

RESPONSE: Yearly payment adjustment factors will occur as the Medicare system changes conversion factors annually. The MFG MARs will correspondingly also change and be indexed to the Medicare system and thus remain fair and reasonable.

COMMENT: Commenter strongly supported adopting subsection (c) of the proposed MFG as it complies with the provisions of HB-2600.

RESPONSE: The commission agrees that the MFG complies with the provision of HB-2600.

COMMENT: Commenter recommended increasing the reimbursement amount allowed for DME due to the fact that restricting payment does not affect utilization because DME providers are not prescribing the equipment, just filling prescriptions. Commenter opposed the proposed reimbursement for the HCPCS level II codes stating that there is no way to obtain a profit providing DME to workers' compensation claimants. Commenter opposed the DME decrease as proposed because it is detrimental to independent DME providers. Commenter opposed the 120% rate for DME stating it is arbitrary and not supported by evidence of fair market value because the commission has not conducted a study of the costs or market prices for DME, supplies, or other specific services. Commenter opposed the 120% of Medicare fees for DME as too low for quality care, and stated that the quality of the equipment drops when the reimbursement drops; quality of care and equipment must continue to be the highest priority. Commenter opposed the proposed 120% reimbursement for DME, as the rate is less than the MARs set over 10 years ago and dealers have not received a favorable review in 10 years. Commenter opposed the proposed reimbursement for DME stating that independent DMEs are without proper representation and reimbursement, and are being hung out to dry. Commenter opposed restricting payment and the proposed reimbursement amounts, which are below the actual cost of the equipment, and stated it will eliminate many small, micro-business and rural DME providers in some areas thus limiting the injured employee choice in acquiring DME. Commenter opposed the DME reimbursement proposed stating it is neither fair nor reasonable. Commenter opposed the amount of reimbursement for DME, because the DME provider is required to seek out referral, pay commissions, pay overhead, pay inventory costs, pay taxes, and pay for workers compensation collection and dispute efforts. Commenter recommended increasing the reimbursement amounts allowable for HCPCS Level II codes to a higher percentage of Medicare, anywhere from 145% to 150%, which is comparable to the present proportions of the MFG. Commenters recommended allowing supplies to be reimbursed at cost plus 20-30% to cover the cost of doing business as in many instances the cost of supplies is more than what is being paid; healthcare providers then should be required to submit invoices upon request to substantiate pricing. Commenter recommended cost plus 25% for DME to offset the physician's costs of documentation on the initial billing. Commenter recommended increasing the reimbursement amount for supplies as there are costs involved above and beyond the "per item" fee, and healthcare providers must be able to justify stocking supplies such as braces and splints instead of sending patients to a pharmacy. Commenter supported the proposed 120% of Medicare as it applies to DME, orthotics, and prosthetics, as it is a commonly recognized and utilized methodology.

RESPONSE: The commission disagrees. The adopted methodology is consistent with adoption of the Medicare coding, billing, and reimbursement policies, and the adopted Medicare plus multiplier sets a fair and reasonable reimbursement based on the requirements of the Act. This is consistent with reimbursement levels for other services and treatments addressed in this rule. Additionally, by adopting the multiplier of 125%, the commission has recognized the additional administrative and regulatory burdens and other considerations that are factors in providing care in the workers' compensation system. Utilization controls are primarily a function of §134.600, relating to Preauthorization, Concurrent Review, and Voluntary Certification, which requires the preauthorization of DME in excess of $500. Although the commission has not conducted a study of the costs or market prices for DME and/or supplies, the Medicare system includes ongoing rate analysis and necessary adjustments to the Durable Medical Equipment, Prosthetics, and Orthotics Fee Schedule (DMEPOS). Further, Milliman, as a component of the reports generated during their market analysis prior to the June 2001 proposal, recommended DMEPOS reimbursement at Medicare plus 25%.

COMMENT: Commenter recommended that the commission continue use of a non-fee schedule reimbursement for implantable medical devices at a rate of invoice plus 10%. Commenters recommended that the commission modify the proposed rule to utilize the recently adopted CMS pass-through system for implantable products to fulfill the requirement of HB-2600 and to ensure that patients have timely access to new technology and effective therapies so the injured worker is not jeopardized by last resort therapies. Commenter opposed the use of the "gap-filling process" for implantables, to establish payment amounts for products on the DMEPOS fee schedule, and stated that CMS rejected it for inpatient, that it is not appropriate, and it results in unreasonable payments that are less than what the supplier pays to purchase the technological products from the manufacturers.

RESPONSE: The commission disagrees with the commenters' recommendations to utilize other reimbursement methodologies for implantable DME items in the MFG. The commission is mandated to adopt the Medicare policies, including reimbursement of DME, and it is therefore appropriate to use a multiplier of Medicare DMEPOS to determine the MAR for DME. If no Medicare rate is established, then the Texas Medicaid Fee Schedule can be used as stated in the rule. If no Medicare or Medicaid rule is applicable, then subsection (c)(6) will apply. The MFG applies only to professional medical services as stated in subsection (a); therefore commenter references to the CMS pass-through system, which applies to DME provided in facilities, are not applicable to this fee guideline. This is a facility issue addressed in other commission fee guidelines.

COMMENT: Commenter opposed the proposed payment to cover Spinal Cord Stimulator (SCS) equipment, as it will ultimately deny workers' compensation patients access to these high tech medical devices. Commenter expressed concern that the MFG reimbursements to cover SCS equipment will be substantially lower than reimbursements made in hospital outpatient settings, hospital in-patient settings, and ambulatory surgery centers. Commenter opposed the level of reimbursement for SCS products under the current Medicare system stating it is not only far short of the equipment costs for hospital in-patients and ambulatory surgical center settings, but also for the hospital out-patient setting where Medicare covers 100% of the costs today.

RESPONSE: The commenters' concern regarding SCSs is not pertinent to the adopted rule. The MFG addresses only DME related to professional medical services. Facility issues are addressed in other commission fee guidelines.

COMMENT: Commenter suggested that the commission adopt a separate DME reimbursement methodology with a reasonable profit margin that addresses the real cost of providing the services, such as in private-pay health insurance. Commenter recommended the use of the Manufacturer's Suggested Retail Price (MSRP) for an item that is not listed in Medicare or Medicaid's fee schedules, such that if the health care provider's usual and customary billing is lower than the MSRP then the usual and customary should be reimbursed. Commenter recommended that the commission establish a set guideline or default for HCPCS codes rather than leave it up to the interpretation of carriers to reimburse, or eliminate this section all together.

RESPONSE: The commission disagrees with the commenter suggestions that reimbursement methodologies other than Medicare be adopted for DME. Section 413.011 of the Texas Labor Code instructs the commission to use the Medicare program reimbursement methodologies with minimal modifications. The commission has established a default fair and reasonable reimbursement methodology in subsection (c). This system allows use of a wide variety of recourses to establish a reimbursement. If healthcare providers are displeased with reimbursements under this methodology, they may access the commission's medical fee dispute resolution process.

COMMENT: Commenter opposed the Medicare reimbursement system, as Medicare does not cover equipment used in the treatment of work-related injuries, therefore DME providers are at the mercy of the insurance carriers concerning a fair and reasonable reimbursement rate.

RESPONSE: The commission disagrees. The DMEPOS and Medicaid fee schedules are anticipated to cover the majority of items used in the treatment of work-related injuries. For those products and services without an established relative value unit or payment amount, the MFG incorporates a methodology that carriers are to use to assign a relative value which may be based on objective criteria, such as nationally recognized published relative value studies, published medical dispute decisions, and values assigned for services involving similar work and resource commitments. If for some reason this reimbursement methodology results in a disputed payment, both provider and carrier continue to have access to the commission's medical dispute resolution process.

COMMENT: Commenter recommended, based on the norm in the business community, that an annual medical consumer price index be instituted to update the conversion factor.

RESPONSE: The commission disagrees that rates should be indexed to the consumer price index. The commission must set rates to meet the requirements of the Act as set out in Texas Labor Code §413.011(d). In doing so, the commission reviews a wide variety of information and has access to Bureau of Labor Statistics information including CPI and other economic indicators. Ultimately the commission must set a reimbursement rate that meets the specific requirement of the Act, considering current commercial and Medicare reimbursement, quality and cost control. The commission, by adopting the most current Medicare program reimbursement, methodologies, models, and values or weights, including its coding, billing, and reporting payment policies, incorporates the Medicare analysis of price changes into its reimbursement methodology on a continuous basis.

COMMENT: Commenter understood that the proposed fee schedule excludes reimbursement for clinical pathology professional services by failing to include clinical pathology CPT codes. The Ingenix 2001 relative value scale fails to provide reimbursement for clinical pathology professional services and modifier 26 should not be reported with procedure codes that represent a 100% technical service since there is no associated professional component. Commenter indicated that the Ingenix statement regarding their position, as a "common payer policy" was incorrect as the majority of private payers in Texas provide compensation for clinical pathology professional services. Commenter opposed the proposed rule and stated that it is in conflict with federal court decisions because it does not allow pathologists to bill and be paid for professional component services incurred in the treatment of an injured employee. Commenter is opposed to the proposed fee schedule, which is fundamentally unfair as it asks pathologists to go without compensation for 25-40% of their time, and a pathologist participating in the workers compensation program is not allowed to bill patients for services that are not reimbursed by the commission. Commenter recommended that fair and reasonable reimbursement for all needed clinical and professional pathology services, including the technical component of clinical lab services, be mandated as part of the fee schedule. Commenter stated that Medicare recognizes these services as medically necessary and provides a mechanism for reimbursement, therefore if the commission wishes to stay consistent with Medicare methodology it would need to increase the payments to hospitals and require the hospitals to reimburse the pathologists as Medicare provides reimbursement for clinical pathology and professional services in the diagnosis related group (DRG) payments made to hospitals.

RESPONSE: The commission agrees. The commission is mandated by HB-2600 to adopt the Medicare reimbursement methodologies with minimal modifications for professional medical services. As such, the commission recognizes the need to include a reimbursement methodology for pathology and laboratory services not addressed by subsection (c)(1) or other commission rules. Therefore, the adopted rule has been amended to include a reimbursement methodology for both the professional and technical components of pathology and laboratory services.

COMMENT: Commenter opposed the 120% reimbursement rate proposed for dental treatments and services and stated that it will keep reimbursement rates for dental services unrealistically low. Commenter opposed the dental reimbursement rate and stated it will continue to discourage most dentists and oral surgeons in Texas from participating in the workers' compensation system producing an insurmountable obstacle in finding a dentist to fix a broken tooth.

RESPONSE: The commission disagrees. Since the Medicare program does not establish payment or reimbursement methodologies for dental services, the commission has adopted the Medicaid reimbursement methodology plus the multiplier. These rates are established by the Texas Department of Health to reflect fair and reasonable reimbursement in the Medicaid system. By adopting the Medicaid reimbursement plus the multiplier, the commission has identified and addressed the additional administrative burdens and other considerations that are a factor in providing care in the workers' compensation system.

COMMENT: Commenter opposed the insurance carriers setting relative values, and stated that by refusing to permit the use of Ingenix codes the commission is not meeting the legislative requirements of establishing a fee schedule consistent with nationally-recognized fee structures while avoiding a strict adoption of Medicare guidelines; in addition, carriers would be led to vary reimbursement of services, the rates would be low thus discouraging their use and thereby denying necessary treatment, and the healthcare providers' recourse would be unknown if a low reimbursement is assigned. Commenters recommended several alternative methods for computing fees for services that have no relative value unit or payment amount assigned by either CMS or the commission rather than being arbitrarily set by carriers in order to remain in the reasonable range and to decrease the number of fee disputes. These recommendations included: following the CMS rules for reimbursement when there is no established fee; including a process by which a stakeholder may petition the commission to assign a relative value unit to individual medical procedures that do not have a relative value unit assigned by the CMS; establishing a set guideline or default for HCPCS codes; reimbursing at a minimum of 75% of the standard charges; using the provider's customary fee as the basis for the fee rate, since this is the person who has the best understanding of the service, the complexity of the service, the time commitment and the resources needed to deliver the service as well as the broadest understanding of the psychological services provided; determining by nationally-recognized code listings published by Ingenix; and, deleting this section and establishing a requirement in which the health care provider must provide evidence of a fair and reasonable charge, such as a Manufacturer's Suggested Retail Price. Commenter recommended addressing the criteria for resolving "fair and reasonable" in medical fee dispute cases where no MAR exists. Commenter found this section of the rule objectionable and stated that fair and reasonable would be questioned resulting in numerous disputes, creating unnecessary appeals because there is no one nationally recognized published relative values or no values assigned for services involving similar work and resource commitments.

RESPONSE: The commission disagrees for reasons previously stated in this adoption preamble that the rule fails to meet the legislative intent. Additionally, the commission disagrees that language or methodology revisions are required. The language adequately describes the framework to be followed by carriers when determining reimbursement in a case where a relative value or MAR amount has not been established for products or services. By adopting the most current Medicare program reimbursement, methodologies, models, and values or weights, including its coding, billing, and reporting payment policies, the commission is addressing system standardization and enhancing consistency in the billing and reimbursement processes. Additionally, the commission has provided a framework to use in developing fair and reasonable reimbursement for items not addressed in the Medicare or Medicaid systems. Carriers must follow this framework and are not allowed to arbitrarily set reimbursement. These methodologies provide for a consistency in reimbursement not addressed in the 1996 MFG.

COMMENT: Commenter objected to the language in this section and stated that it needs clarification. Commenters recommended the following language changes to this section: add a sentence under (c)(6) that allows for carriers to utilize a percentage of billed charges as final default or adopt Medicare's unique methodology; change language to read, "To determine the maximum allowable reimbursement (MARs) for professional services, system participants shall compute the allowable charges by identifying the appropriate CPT code in the CMS RBRVS list for the relative value unit, or in the current Ingenix list if a CMS relative value unit is not established. Participants shall then apply Medicare payment policies with the following minimal modifications..."; delete the language, "the carrier shall assign a relative value" because the carrier cannot be allowed to dictate the relative value of any items that are not assigned a Medicare or Medicaid MARs; replace the phrase "the carrier shall assign a relative value" with "the carrier shall assign a payment amount."

RESPONSE: The commission disagrees with recommendations to change the language of this subsection. The language adequately describes the framework to be followed by carriers when determining reimbursement in a case where a relative value or MAR amount has not been established for products or services. Medicare includes a methodology for determining charges for rare or unusual procedures; however, the method provided in subsection (c) is very similar but more easily used and more appropriate for the commission workers' compensation system. Requiring the carrier to reimburse a percentage of billed charges places a determination of the reimbursement amount solely in the discretion of the health care provider defeating the goals of standardization, relative values, and cost control.

COMMENT: Commenter opposed this section of the rule regarding HCPCS codes, and stated that carriers have established incapability in setting values as demonstrated by the current reimbursement problems with items that presently do not have MARs.

RESPONSE: The commission disagrees. The commission has adopted the Medicare DMEPOS fee schedule and the Texas Medicaid Fee Schedule Durable Medical Equipment/Medical Supplies Report J for reimbursement of HCPCS codes. Additionally, the commission has provided a framework to use in developing fair and reasonable reimbursement for items not addressed in the Medicare or Medicaid systems. These methodologies provide for a consistency in reimbursement not addressed in the 1996 MFG.

COMMENT: Commenter stated that it is not appropriate to take a relative value unit from a private publication and apply the CMS conversion factor multiplied by 120%.

RESPONSE: The commission disagrees. The methodology outlined in this section gives guidance to system participants regarding payment for which CMS has not established a relative value. The use of proprietary relative values for gap codes, which are generally indexed to similar services, is a common practice and an appropriate framework to establish reimbursement that meets the requirements of the Act.

Subsection (d)

COMMENT: Commenter offered support of proposed language in this subsection, stating it complies with the provisions of HB-2600.

RESPONSE: The commission agrees that the reimbursement established in subsection (d) are in compliance with HB-2600.

COMMENT: Commenters opposed proposed subsection (d) because it provides no incentive to the insurance carrier to negotiate or contract rates with a health care provider since the insurance carrier is allowed to assign their own relative values and prices.

RESPONSE: The commission disagrees. Subsection (d) of the adopted rule provides neither incentives nor disincentives for healthcare providers and carriers to negotiate payment agreements. Subsection (d) does, however, establish parameters regarding the MAR and potential payment agreements. Only in certain limited instances outlined in subsection (c)(6), may a carrier establish a fair and reasonable reimbursement using nationally recognized published relative value studies, published medical dispute decisions, and values assigned for services involving similar work and resource commitments. These reimbursements, as any others, are subject to the dispute resolution process.

COMMENT: Commenter recommended deletion of this subsection, stating that it allows the insurance carrier to reimburse the health care provider at rates that are less than Medicare fees. Commenter further stated this would result in a large exodus of quality healthcare providers from the workers' compensation system.

RESPONSE: The commission disagrees with the commenter's recommendation to delete subsection (d). Subsection (d) establishes parameters for reimbursement in the workers' compensation system and it does not compare workers' compensation reimbursement to Medicare reimbursement. The commission further disagrees with the comment that this subsection allows an insurance carrier to reimburse below Medicare fees without meeting one of the two exceptions in (d)(2-3). Even if one of the two exceptions applies, the amount reimbursed would not necessarily be below Medicare rates. If the insurance carrier is reimbursing using the MAR, as calculated in subsection (c) of this rule, they will be reimbursing at a rate higher than the actual Medicare fees due to the conversion factor calculation in the rule. If the healthcare provider has charged their usual and customary for a service and it is below the Medicare fees, the healthcare provider has chosen to charge this amount. If the insurance carrier has contracted or negotiated a rate with the healthcare provider, both parties have entered that contract voluntarily. The adopted rule allows the contracted rate to be lower than the MAR; it doesn't necessarily result in a payment less than Medicare rates. The commission further disagrees that this section will result in an exodus of quality healthcare providers from the workers' compensation system because these reimbursement provisions are the same as those contained in the 1996 MFG.

Subsection (e)

COMMENT: Commenters requested fee amounts be increased; or, if no increases were made, requested current fees remain unchanged. Commenter stated participating in the system has become increasingly more of a challenge and many physicians will leave the system. Commenter stated the resulting decrease of quality evaluations would cause increased patient complaints, greater number of disputed cases, increased paperwork for the commission, and increase cost to the system.

RESPONSE: The commission disagrees. The commenters did not specify which procedures they believed were inadequately reimbursed or which reimbursements were being decreased. Some fee amounts have been increased, some have been decreased and others have remained the same. The commission agrees the workers' compensation system is complex, and the commission has set fees to address this complexity. Healthcare providers may or may not choose to participate in this voluntary system based on the individual healthcare providers' practice costs and related business decisions. The commission does not believe that access to care will be a problem, as discussed elsewhere in this preamble. The commission disagrees the quality of Maximum Medical Improvement/Impairment Rating (MMI/IR) examinations will decrease as a result of this rule. The commission has changed the reimbursement structure to allow for a net increase in reimbursements for MMI/IR examinations. Further, quality of care should not be impacted and consequently there is no reason to believe patient complaints, disputed cases or paper work requirements will increase. Additionally, quality of care issues are a primary concern and the commission is developing the MQRP through the office of the Medical Advisor to monitor and ensure the quality of care is addressed in the workers' compensation system.

COMMENT: Commenters stated the proposed rates fail to meet the statutory requirements for fair and reasonable professional fees.

RESPONSE: The commission disagrees reimbursement rates do not meet the fair and reasonable statutory provisions. The rates have been established by reviewing the 1996 MFG, the requirements of the AMA Guides 4th edition, commission required education, stakeholder input, all other statutory factors, and consultation with the Medical Advisor to appropriately reimburse healthcare providers for the amount of work required to perform the service. Section 413.011(d) of the Act requires that: "Guidelines for medical services fees must be fair and reasonable and designed to ensure the quality of medical care and to achieve effective medical cost control. The guidelines may not provide for payment of a fee in excess of the fee charged for similar treatment of an injured individual of an equivalent standard of living and paid by that individual or by someone acting on that individual's behalf. The commission shall consider the increased security of payment afforded by this subtitle in establishing the fee guidelines." Fair and reasonable is not based solely on the market value of services provided to injured employees. Fair and reasonable compensation in the Texas workers' compensation system is a balance of all the required components of the Act, as discussed elsewhere in this preamble.

COMMENT: Commenters stated the proposed rule contains non-standard coding and will prevent compliance with the federal HIPAA of 1996, forcing Texas workers' compensation claims to be indefinitely tied to a paper-based filing system. Commenters stated the commission should promote the use of electronic systems, similar to those used by Medicare, wherever possible.

RESPONSE: The commission disagrees that §134.202 is inconsistent with Medicare and will prevent compliance with HIPAA regulations. Some standard coding is necessary in the Texas workers' compensation system to address services and treatments specific to workers' compensation injuries. These services and treatments require unique coding for billing and to allow the commission to monitor utilization and assure quality services are provided to injured employees. The commission currently does not require electronic billing; however, electronic billing is addressed in §134.800, relating to Required Billing Forms and Information, as a component of the agency BPI initiative. The commission is not required to comply with HIPAA timeframes, as the commission is exempt from HIPAA regulations.

COMMENT: Commenters stated the commission should comply with the legislative intent to follow CMS methodologies and eliminate the extensive and unnecessary documentation requirements, as it will prevent compliance with HIPAA. Commenter stated documentation requirements are contrary to CMS methodologies as CMS does not have documentation of procedure and uses a sampling methodology to review medical documentation. Commenter stated documentation requirements only increase the cost for healthcare providers and insurance carriers for handling paper.

RESPONSE: The commission disagrees documentation requirements will prevent compliance with HIPAA regulations. Documentation requirements for commission-specific codes are minimal and this documentation is necessary for services that are specific to workers' compensation. The commission is not required to comply with HIPAA timeframes, as the commission is exempt from HIPAA regulations.

COMMENT: Commenter recommended the deletion of documentation requirements for case management, tests, and measurements.

RESPONSE: The commission disagrees that documentation requirements for case management, tests, and measurements should be deleted. Services and treatments specific to the workers' compensation system require unique coding and documentation requirements for billing and to allow the commission to monitor utilization and assure quality services are provided to injured employees.

COMMENT: Commenter questioned the removal of the 1996 MFG, General Instructions' section (IV), relating to Materials Supplied by the Health Care Provider. Commenter stated this section was critical and failure to include it would likely produce payment disputes. Commenter stated disappointment in the commission's decision to omit the section relating to "Scope of Practice" from the previous withdrawn MFG proposal. Commenter stated the exclusion of this section would allow for abuse of the system and the provision of substandard care by unlicensed, poorly trained individuals.

RESPONSE: The commission disagrees. The deleted provision addressed bundling and unbundling of supplies and office visits. As required by HB-2600, the commission adopts Medicare's payment policies relating to coding, billing, and reporting, which address these services when appropriate, including CCI edits, global billing, and multiple procedure rules. As discussed in detail previously in this preamble, the adoption of these Medicare payment policies reflect standardized reimbursement structures found in other health care delivery systems. These Medicare payment policies have been carefully integrated with the Medicare relative values and recognize nationally accepted standards of care (e.g., CCI) and reporting requirements (e.g., AMA CPT) that have been carefully scrutinized for appropriateness by the AMA and the specialty societies. Diverging from those should be limited and should be based upon sound data and statutory or policy conflicts between Medicare and the workers' compensation system.

COMMENT: Commenters recommended the commission allow for therapy evaluation and treatment on the same day as evidence shows that workers' compensation cases are closed sooner and at a lower case cost with early intervention. Commenter recommended the removal of guidelines that restrict the number of physical therapy modalities and procedures that can be administered in a single treatment session. Commenter recommended preauthorization of physical therapy visits that exceed 15 visits.

RESPONSE: The commission disagrees. The commission adopts Medicare's payment policies relating to coding, billing, and reporting. As directed by HB-2600, minimal modifications to these payment policies are being incorporated. These Medicare payment policies have been carefully integrated with the Medicare relative values and recognize nationally accepted standards of care (e.g., CCI) and reporting requirements (e.g., AMA CPT) that have been carefully scrutinized for appropriateness by the AMA and the specialty societies. Diverging from those should be limited and should be based upon sound data and statutory or policy conflicts between Medicare and the workers' compensation system. Subsection (e) contains commission-specific services that are a necessary component in the workers' compensation system and not necessarily addressed by Medicare's payment policies. Physical therapy services are not contained in this subsection, as these services are not specific to the workers' compensation system. The preauthorization of treatments and services is addressed in §134.600, of this title relating to Preauthorization, Concurrent Review, and Voluntary Certification of Health Care, not in this rule.

COMMENT: Commenters recommended the commission continue to allow the $15.00 reimbursement for the filing of commission required reports. Commenters stated that physicians need to be reimbursed for the time, effort, and requirements involved in completing the commission reports. Commenter stated the commission's logic for having this fee, as described with the Work Status Report release, remains valid.

RESPONSE: The commission agrees; the adopted MFG does not alter the reimbursement for commission-required reports, which are contained in other commission rules.

COMMENT: Commenter stated that by requiring healthcare providers to bill usual and customary charges the cost of providing care will increase due to increased administrative burden.

RESPONSE: The commission disagrees that the requirement for healthcare providers to bill usual and customary charges will increase administrative burden. This requirement is not new. The requirement to bill usual and customary charges was contained in the 1996 MFG to enable the commission to collect information on health care provider charges for services and treatment and consider differentials between charges and payments when evaluating reimbursement policies. Additionally, §413.007 of the Texas Labor Code requires the medical review division of the commission to maintain a statewide database of medical charges, actual payments, and treatment protocols that may be used by in adopting and administering medical policies and fee guidelines. Additionally, the practice of billing usual, customary, and reasonable (UCR) charges is a component of the Medicare system and allows the commission to maintain the standardization required by the Act.

COMMENT: Commenter stated strong support for billing UCR as it would be difficult and complicated for healthcare providers to bill at the MAR rate.

RESPONSE: The commission agrees. Section 413.007 of the Texas Labor Code requires the medical review division of the commission to maintain a statewide database of medical charges, actual payments, and treatment protocols that may be used by in adopting and administering medical policies and fee guidelines. Additionally, billing UCR charges is a component of the Medicare system and allows the commission to maintain the standardization required by the Act.

COMMENT: Commenter stated subsection (b) implies that healthcare providers are to bill charges based on Medicare type rates, not based on UCR charges. Commenter recommended language clarification to insure that UCR charges are to be billed and Medicare/Ingenix-based rates are to be paid.

RESPONSE: The commission disagrees subsection (b) implies that healthcare providers are to bill charges based on Medicare type rates. Subsection (b) specifies workers' compensation participants are to apply Medicare payment policies relating to coding, billing, and reporting, and those Medicare policies require the billing of UCR. The commission also disagrees language clarification is necessary regarding UCR charges. Subsection (e)(1) specifically states, "Health care providers shall bill their usual and customary charges." Subsection (c) specifically outlines the MAR for services.

COMMENT: Commenter stated proposed subsection (e)(2), regarding Multiple Procedure Reimbursement, arbitrarily limits reimbursement for multiple procedures performed during the same operative session.

RESPONSE: The commission disagrees. The June 2001 proposal of the MFG, which included the subsection (e)(2) referred to by commenters regarding Multiple Procedures, was subsequently withdrawn. As adopted, reimbursement for multiple procedures shall be as specified by the Medicare payment policies.

COMMENT: Commenter recommended clarification of who initiates the call and that case management does not allow the insurance carriers to use nurse case managers to acquire information that the insurance carrier should already have. Commenter recommended the commission consider adding specific medical services such as psychological treatment, certified work hardening programs, and pain management.

RESPONSE: The commission disagrees clarification of who initiates a case management call is needed. A case management call should take place when healthcare providers need to communicate regarding an injured employee; who initiates the call is not a relevant issue and is not set out in the rule. The commission also disagrees that clarification regarding insurance carriers using nurse case managers for case management is necessary. Subsection (e)(3) outlines the circumstances under which case management services should occur. The commission disagrees with commenter's recommendation to include psychological treatment as a commission-specific service. As directed by HB-2600, minimal modifications to Medicare payment policies are being incorporated. Subsection (e) contains commission-specific services that are a necessary component in the workers' compensation system and not necessarily addressed by Medicare's payment policies. Work hardening and pain management programs are included in this subsection, but psychological treatment is included in the Medicare policies.

COMMENT: Commenter recommended deleting subsection (e) and replacing with language suggested by commenter. Commenter stated that standard medical coordination or case management is already defined in Medicare regulations, rules, and payment policies. In order to maintain standardization, minimal modifications are made as necessary to apply these policies to care delivered for occupational injuries.

RESPONSE: The commission disagrees that the recommended language is necessary. As commenter stated, standard medical coordination or case management is already defined in Medicare regulations, rules, and payment policies. Commenter's suggestion would incorporate overly restrictive payment policies and limit reimbursement to the healthcare providers thereby negating the rationale for including case management in the system. Further, as directed by HB-2600, minimal modifications to Medicare payment policies are being incorporated. Subsection (e) contains commission-specific services that are a necessary component in the workers' compensation system and not necessarily addressed by Medicare's payment policies. The case management language included in this rule enhances the ability of the treating doctor to manage workers' compensation cases, this is especially necessary since Medicare does not specifically address return to work initiatives.

COMMENT: Commenters expressed opposition to this subsection. Commenter stated this could result in additional costs to the carrier as a result of treating doctors who could artificially create case management expenses in addition to the normal treating physician fee. Commenter stated insurance carrier case managers make providing care more difficult, consume the healthcare providers' time, and rarely affect the injured employee's course of treatment.

RESPONSE: The commission disagrees that case management will result in increased expenses due to treating doctors artificially creating case management expenses. As the gatekeeper of the injured employees medical care, the treating doctor must be able to communicate and coordinate care with other healthcare providers. Case Management is specifically addressed in this subsection as the workers' compensation usage differs from the Medicare usage of Care Plan Oversight. Under Medicare, "Care Plan Oversight (CPO) is physician supervision of patients receiving either home health or hospice benefits where complex or multidisciplinary care modalities and ongoing physician involvement are required." Further, the Medicare usage does not cover nursing facility services or patients in skilled nursing facilities. Under the workers' compensation system, Case Management usage is specific regarding time parameters and is limited to the development or revision of a treatment plan, altering or clarifying previous instructions, coordination of care of employees with catastrophic or multiple injuries and coordination with employer, employee and/or assigned case manager. The commission also disagrees that insurance carrier case managers cause providing care to be more difficult; the intent is providing an open venue of communication between the treating doctor and the insurance company, and is an important element in the injured employee's recovery and return to work goals. This provision allows reimbursement for case management services by healthcare providers when meeting with insurance carrier case managers.

COMMENT: Commenter recommended a clarification be added to ensure reimbursement for tests and measurements.

RESPONSE: The commission disagrees clarification is needed to ensure reimbursement for tests and measurements. As with any medical service provided to an injured employee, medical necessity is the determinant for reimbursement. Medicare payment policies and subsection (e)(4) address tests and measurements and how they are reimbursed.

COMMENT: Commenters recommended that the limits and restrictions on the frequency and duration of FCEs as stated in this section be eliminated, reimbursement of FCEs can easily be managed by retrospective review and a restrictive payment policy does not properly anticipate the various needs of injured workers; especially in complicated injuries with prolonged treatment.

RESPONSE: The commission disagrees. The limits and restrictions on the frequency and duration of FCEs are necessary in the provision of this service to ensure only necessary testing is provided to injured employees. Additionally, management of FCEs by retrospective review does not provide guidance for the healthcare provider for assurance of payment. If necessary, the commission may order additional FCEs in accordance with §413.018(c) of the Texas Labor Code.

COMMENT: Commenter recommended language be added to limit how many insurance carrier-requested FCEs can be ordered by the commission.

RESPONSE: The commission disagrees that a limit on insurance carrier-requested FCEs ordered by the commission, is necessary. This payment policy addresses the various needs of the injured employees, including those who may require multiple FCEs in accordance with §413.018(c) of the Texas Labor Code.

COMMENT: Commenters recommended a maximum of 3 hours ($300) be allowed for completion of a 2nd or 3rd FCE, it is imperative at this stage of the rehabilitative process that sufficient time is used to establish a clear, accurate return to work status.

RESPONSE: The commission agrees three hours should be allowed for completion of the 3rd FCE. However, the commission disagrees three hours should be allowed for completion of the 2nd test. Consequently, the commission has amended language in subsection (e)(4)(C) to, "Reimbursement shall be for up to a maximum of four hours for the first test or for a commission ordered test; a maximum of two hours for an interim test; and, a maximum of three hours for the discharge test, unless it is the initial test."

COMMENT: Commenter expressed concern over the proposed decreases in reimbursements for FCEs.

RESPONSE: The commission clarifies that reimbursements for FCEs have not been decreased. However, reimbursement of $100 per hour was changed to reimbursement of $25 per 15-minute increments.

COMMENT: Commenters recommended FCE reimbursement be 100% of the MAR regardless of Commission for Accreditation of Rehabilitation Facilities (CARF) accreditation.

RESPONSE: The commission clarifies that CARF accreditation has no bearing on the reimbursement for an FCE. CARF accreditation only applies to Return to Work Rehabilitation Programs.

COMMENT: Commenter stated the commission proposes to reimburse FCE's at $25 per 15-minute increments, yet in subsection (c)(1) it states that reimbursement is the effective conversion factor adopted by CMS multiplied by 120%. Commenter states the two sentences are incompatible. In the Medicare 2002 fee schedule this CPT code (97750) is reimbursed $24.07 and by section (c)(1) should be increased by 120% to $28.89. The $25 per 15-minute rate if performed under the auspices of an FCE is patently unfair; the commission should not choose from the fee schedule those services that do not suit the commission's goals of saving money.

RESPONSE: The commission disagrees with commenter's interpretation that there is reimbursement incompatibility within the MFG payment policies. However, the commission agrees reimbursement for FCEs should be in accordance to subsection (c)(1) and has amended the language in subsection (e)(4)(C) to reflect this change by deleting $25 text from subsection (e), so that the reimbursement will be in accordance with subsection (c).

COMMENT: Commenter stated subsection (4)(A) is inaccurate and misleading, some CPT codes, such as 96100, are clearly identified as including a report. However, other CPT codes, such as 90801, do not indicate or require reports be included with the service. Commenter recommended this section be amended to read: "Some Tests and Measurement Current Procedural Terminology (CPT) codes require a report of the results, to include the start and end times. When these reports are specified as included as part of the relevant CPT codes, no additional reimbursement shall be allowed for this report."

RESPONSE: The commission disagrees that subsection (e)(4)(A) was inaccurate or misleading. Subsection (e) addresses reimbursement for commission-specific services. Therefore, the language in proposed subsection (e)(4)(A) pertained only to tests and measurements contained in proposed subsection (e)(4); this requirement did not apply to other tests and measurements, such as 96100 or 90801. However, the language in proposed subsection (e)(4) has been modified to only include payment policies for functional capacity evaluations and subsections (e)(4)(A)&(B) have been deleted.

COMMENT: Commenter recommended the nine-hour time limit for FCEs be allowed during the time between onset of an injury and establishing MMI, the provider could then determine how to utilize the time allowance based on the injured employees capacity and objective criteria. Commenter stated an interim FCE is often not needed, thereby allowing more time for the final FCE.

RESPONSE: The commission disagrees a nine-hour time limit should be allowed for FCEs. Without time limit restrictions, the first FCE could exhaust the allowed time leaving no time or reimbursement for subsequent FCEs. Lacking access to these FCEs, an injured employee's return to work activities may be diminished.

COMMENT: Commenter recommended a three health care provider limit instead of the three FCE limit and to allow each provider the hour limits of 5 hours for first test and 2 hours for second and/or third test.

RESPONSE: The commission disagrees with commenter's recommendation to allow a three healthcare provider limit for FCEs. The rational for this recommendation is unclear and the commission cannot identify a reason to include such a provision.

COMMENT: Commenters opposed the exclusion of definitions or descriptions of what constitutes the various RTW programs and recommended the addition of clear and well-defined RTW rehabilitation program descriptions. Commenters stated that the programs should be distinguished in detail, with descriptions and elaborations of clear language, rather than being secondarily referenced as meeting CARF clinical standards. Commenters stated that without well-defined RTW program descriptions, which provide clear parameters regarding what services are global to the programs, the ultimate result will be decreased quality of interdisciplinary programs at the expense of the patient's treatment and recovery process. Commenters further stated the reference in subsection (e)(5) regarding the health care provider meeting the CARF clinical standards is inadequate for several reasons: CARF's written guidelines are simply too broad and only outline components, but do not address billing issues such as duration of treatment (e.g., the 1996 MFG established a minimum of 4 hours per day for work conditioning/work hardening and CARF does not establish a minimum or maximum number of hours which may be billed); also, in the 1996 MFG, the mental health evaluation and treatment section clearly explained which psychological services were considered global to the multidisciplinary RTW programs, a carrier could consider psychological services as global to a RTW program and reimburse at an insufficient rate.

RESPONSE: The commission disagrees with the recommendation to include specific definitions for the RTW rehabilitation programs listed in the MFG. Since the definitions for these programs may change, including specific definitions in the rules would result in confusion between the most current standards and any definitions outlined in the rule. This approach is consistent with subsection (a), which requires the use of the most current Medicare program policies; therefore, the commission declines the incorporation of the specific program definitions in §134.202. The MFG uses the most recent CARF Medical Rehabilitation Standards Manual for program descriptions and clinical standards. The development of examinations standards involves a two-tiered process whereby CARF first convenes National Advisory Committees (NAC) to systematically review sections of the Standards Manuals and to make recommendations for changes and updates. Secondly, a field review is conducted in which the NAC recommendations are disseminated to CARF system participants for input, and suggestions before final adoption by the CARF Board of Trustees. The program descriptions developed and used by CARF serve to define the rehabilitation programs referenced in the MFG and provide clear parameters regarding which services are global to the program. The commission in no way anticipates that the quality of interdisciplinary programs will decrease as a result of the adoption of this rule but the opposite is anticipated. Since the CARF program descriptions and clinical standards are outcome-focused, the results are anticipated to raise the bar on quality, thereby promoting shortened recovery time and better return to work results. Further, the commission disagrees that the CARF clinical standards are inadequate because they do not address program-billing issues. With the exception of General Occupational Rehabilitation programs, which by CARF standards are typically not longer than 6 weeks in duration, standard frequencies and durations of treatment for interdisciplinary programs are not applicable. These outcome-focused programs, which utilize an interdisciplinary team approach that includes the payers, establish frequency and duration on a case-by-case basis using a continuum of care with both admission and discharge criteria. Additionally, for non-exempt programs, the preauthorization of the program should address frequency and duration, with concurrent review available for necessary continuation of the program; the commission, not CARF, establishes the hourly reimbursement rates. Further, the psychological component of RTW programs, as established by CARF parameters, is considered global to the program, is not coded separately, but is coded and billed using the appropriate rehabilitation program code(s) and modifier(s), and is reimbursed at the program's hourly rate as established in the MFG.

COMMENT: Commenters expressed concern that the wording in subsection (e)(5) will become the focus of confusion and conflict between healthcare providers and insurance carriers and will lead to billing abuses and frequent disputes. Commenter stated that definitions of RTW programs should be added to the rule language, as these services require preauthorization and concurrent review under Rule 134.600.

RESPONSE: The commission disagrees that specific program definitions should be added to §134.202; by referencing the definitions developed by CARF, the commission is, in fact, providing definitions. In addition, if the CARF definitions were included in the rule and then later amended by CARF, the commission would be forced to amend definitions in §134.202. The commission also disagrees that the specific wording in subsection (e)(5) would become a focus of conflict between system participants for the following reasons. Although accreditation of rehabilitation programs by CARF is not a requirement, the commission recommends the accreditation. Until January 1, 2003, there are two occupational rehabilitation programs that are eligible for exemption from preauthorization and concurrent review: CARF accredited General Occupational Rehabilitation (work conditioning) and CARF accredited Comprehensive Occupational Rehabilitation (work hardening). Currently, all non-accredited work conditioning and work hardening programs, as well as all other occupational rehabilitation programs, require preauthorization and concurrent review, and as of January 1, 2003, all work conditioning and work hardening programs, accredited or not, will require preauthorization and concurrent review. Once preauthorization is requested and obtained, both parties are aware of the program in progress and whatever billing and reimbursement parameters are appropriate. The approval for preauthorization and/or concurrent review is expected to reduce the number of disputes.

COMMENT: Commenter stated that all RTW programs are interdisciplinary programs consisting of some mix of physical medicine and other services and at the CPT code level, the same services occur in all five programs. Although a facility may be CARF accredited for a comprehensive outpatient rehabilitation program (work hardening,) nothing precludes the facility from providing general outpatient rehabilitation or interdisciplinary pain rehabilitation program services; there is an economic incentive to bill for services at the highest possible rate. Commenters stated that without more specific guidelines, a clinic could treat a patient for an hour, provide no psychological services and have no medical director but bill for one hour of chronic pain management. Commenter questioned on what basis would an insurance company, and ultimately the commission, determine a program to be entitled to a rate higher than $36 per hour.

RESPONSE: The commission disagrees. Although at the CPT code level, many of the same services occur in all rehabilitation programs, coding and billing for individual rehabilitation programs are specified in subsection (e)(5) and designated by using specific primary and secondary modifiers. The commission further disagrees with commenters' assessment of the possibility of attempted fraudulent billing by facilities providing return-to-work programs. The process of preauthorization or exemption from preauthorization will help determine whether a program is entitled to the greater reimbursement. The commission may exempt a facility from preauthorization for a specific CARF-accredited program(s) and verification of the commission-exemption is currently available on the commission's website, which the carrier is expected to verify. All other work hardening, work conditioning and rehabilitation programs require preauthorization from the carrier, which establishes the hourly reimbursement rate at the onset of the program. All treatments and services are subject to either preauthorization or retrospective review and medical bill review/audit.

COMMENT: Commenter stated the lack of specificity would be disastrous for the commission because the commission has neither the resources nor intention of reviewing individual programs or providing instructions to individual program's staff.

RESPONSE: The commission disagrees that the lack of specificity regarding RTW program parameters will lead to disaster. It is neither the intention of the commission to review individual programs nor to provide instructions to program staff regarding outpatient rehabilitation programs. The commission has adopted CARF program descriptions and relies on CARF to set the standards for programs that carry CARF accreditation; however, CARF-accredited facilities are subject to commission verification and audit and may be audited at any time. In addition, as all healthcare providers are subject to audit and review by the commission, the CARF clinical standards establish parameters that the commission may monitor through bill review audit.

COMMENT: Commenter stated that large loopholes exist in the Outpatient Medical Rehabilitation (OMR) and Chronic Pain Management (CPM) programs which will result in abuse by healthcare providers, as these programs are proven to be most expensive and are usually completed after all else fails. Most of these programs do not achieve RTW because the timing in the rehabilitation process is so long past the initial onset that positive results are difficult to accomplish. Commenters further recommended that complete definitions for outpatient medical rehabilitation programs and chronic pain management programs be revised to contain more specific requirements to warrant the increase in reimbursements when compared to work hardening and work conditioning programs.

RESPONSE: The commission disagrees that large loopholes exist in the CARF descriptions for OMR and CPM programs that may result in abuse by healthcare providers. For commission purposes, the program descriptions and clinical standards as outlined by CARF assist all stakeholders by making known what is expected for each program in advance of treatment. In addition, using the CARF standards incorporates an interdisciplinary team approach where all stakeholders are expected to communicate and provide input. The stakeholders generally include payer and employer, as well as the injured employee, their support system, and the interdisciplinary team. The interaction of stakeholders is expected to create an atmosphere of cooperation rather than one that would contribute to abuse. The commission agrees that providing the OMR and CPM programs are the most expensive of the rehabilitation programs and are often considered programs of last resort for injured employee; however, the interdisciplinary team projects the possibility of positive results for the injured employee. The commission disagrees that more specific definition is required for either the OMR or the CPM programs. CARF descriptions list the differences and enumerate the more extensive criteria required for the OMR and CPM programs, thus warranting the difference in reimbursement rates compared to work hardening and work conditioning programs. Further, both OMR and CPM programs require preauthorization and concurrent review; they must be prescribed by the injured employees' treating doctors, and the need for the program must be based upon the doctor's professional judgment on a case-by-case basis.

COMMENT: Commenters recommended the inclusion of the 1996 MFG RTW language so that the distinctive elements of interdisciplinary pain management programs can be clearly differentiated from other programs such as work hardening and work conditioning, as neither Medicare nor CARF define these terms. Commenter stated subsection (e)(5) references CARF, but the referenced RTW terms are not defined on CARF's website and CARF manuals are not public domain.

RESPONSE: The commission disagrees with the inclusion of the 1996 MFG language. The scopes of treatments in RTW programs are clearly differentiated within the parameters of CARF clinical standards and should require no definition in the MFG. CARF regularly reviews and updates program and accreditation requirements, incorporating current industry standards. In addition, all RTW programs require preauthorization except CARF accredited general or comprehensive occupational rehabilitation programs, thereby removing any confusion regarding which program is being rendered, coded, and billed, and at what hourly percentage of the MAR it will be reimbursed. The commission agrees that neither Medicare nor CARF define the programs of work hardening or work conditioning per se; however, the language in subsection (e)(5) specifically applies the CARF terms General Occupational Rehabilitation and Comprehensive Occupational Rehabilitation, respectively to work conditioning and work hardening programs. The commission further agrees that the CARF manuals are not public domain; however, the manuals are available for purchase, and fully establish the clinical standards, which must be met for delivery of one of the outpatient rehabilitation programs.

COMMENT: Commenter recommend the commission specify what psychological services are part of the outpatient interdisciplinary programs and what psychological services must be preauthorized and billed separately.

RESPONSE: The commission disagrees with commenter's recommendation to include rule language to differentiate between the psychological services that are global to the RTW programs and those that must be preauthorized, coded, billed, and reimbursed separately. By CARF clinical standards, RTW programs may include a psychological component, which would not require separate preauthorization, because the components of the program are global to the program.

COMMENT: Commenters expressed support for the proposed increase in the reimbursement rate to $125 per hour for interdisciplinary pain management programs, as designated in (E)(ii).

RESPONSE: The commission agrees with commenters' support of the reimbursement rate for interdisciplinary pain management programs.

COMMENT: Commenters recommended that reimbursement levels for facilities providing specific rehabilitation programs be at 100% of the MAR regardless of the type of accreditation held by the facility. Commenters recommended that the reimbursement should be for actual services provided, not based on the type of facility or whether the facility is accredited.

RESPONSE: The commission disagrees with the recommendation that all facilities providing specific rehabilitation programs be reimbursed at 100% of the MAR. For the past six years, the commission has reimbursed CARF accredited programs at 100% of the MAR, because the programs accredited by CARF have met specific clinical standards in order to be accredited, which may or may not have been met by non-accredited programs. CARF is a nationally recognized accrediting body for rehabilitation programs and is the accrediting standard for a number of other states workers' compensation programs. Some other states reimburse only CARF accredited facilities. Although Texas rehabilitation facilities are not required to have or be in the process of obtaining CARF accreditation, the commission deems that there is justification for an additional financial incentive for those facilities that have obtained this accreditation.

COMMENT: Commenters recommended that general programs which provide work hardening and FCEs be reimbursed at 100% of the MAR, assuming that all criteria are met.

RESPONSE: The commission disagrees that a facility that provides work hardening programs and also administers FCEs qualifies for 100% reimbursement for the work hardening program, unless that program is CARF accredited. Whether a facility performs FCEs or not, has no bearing on the reimbursement rate for other services rendered by that facility. In addition, the reimbursement for FCEs is established in subsection (c) and is not dependent on whether a facility is CARF accredited or not.

COMMENT: Commenters expressed concern with the commission's inference that CARF is the "magical cure all;" whereas in the real world CARF is merely a time consuming tedious paper game, does not ensure good patient care, only ensures good record keeping, which can be easily altered. Commenters submitted various language modification recommendations to allow certification of facilities by organizations other than CARF, including deletion of word "CARF" from "CARF accredited," a phrase to change wording to simply, "accredited" in subparagraphs (A-E). Other commenters recommended adding language, ". . . CARF, 'or any other organization, which is approved by a recognized professional organization or association, to accredit such rehabilitation programs,' is recommended but not required."

RESPONSE: The commission disagrees with commenters' assessment of CARF. The commission further disagrees with commenters' recommendations to modify rule language to include certification of facilities by organizations other than CARF. Whereas the commission recommends CARF accreditation, the accreditation is not required for a facility to provide, code, bill and be reimbursed for RTW rehabilitation programs. For the past six years, the commission has recognized CARF program standards, and currently, provides eligibility for exemption from preauthorization and concurrent review for CARF accredited work conditioning and work hardening programs. In the December 2001 MedPAC report to the Congress entitled, Reducing Medicare Complexity and Regulatory Burden , "One of the ways that Medicare has made it possible to simplify regulation in the fee-for -service program is through deemed status authority. Deemed status allows organizations accredited by a body with standards and a process deemed to be as stringent as the Medicare requirements to become certified for participation in the program without an additional evaluation from the federal program." Further, the commission views facilities accredited by CARF as similar to "deemed status authority." The commission anticipates being able to monitor billing and reimbursement practices, comparing CARF accredited and non-accredited programs with respect to duration of treatment and program outcomes. Insurance carriers are required to provide information to the commission on preauthorization and concurrent review for the non-accredited work hardening and work conditioning programs, as well as all other rehabilitation programs, the data from which can be compared to the commission's medical billing data base for a clearer understanding of the effectiveness of these RTW rehabilitation programs. Further, a continuation of the preauthorization exemption may be evaluated prior to the expiration of the exemption period.

COMMENT: Commenters expressed opposition to relying on CARF clinical standards, as that is not adequate, that CARF standards do not describe what constitutes different rehabilitation programs.

RESPONSE: The commission disagrees with commenters' opposition to the inadequacy of CARF standards for different rehabilitation programs. CARF clinical standards are nationally recognized, outcome based, are widely utilized, and do describe, for commission purposes, what constitutes different and specific rehabilitation programs. By commission language, "work hardening" services equate to "comprehensive occupational rehabilitation" programs and "work conditioning" to "general occupational rehabilitation" programs.

COMMENT: Commenters expressed opposition to reimbursement level at $125/hour for chronic pain management programs with the high level of coordination and care needed by such patients. Recommendations were provided for increasing hourly reimbursement rates, ranging from $135 to $175 per hour, to more fairly reflect the cost of providing such programs, especially if the commission will require all programs to meet CARF standards for pain management. Also, commenters stated that major insurance payers currently reimburse at $175 per hour, a rate that is commensurate with industry standards. Commenters stated that the commission has set all fees at 20% above the Medicare rate, but has set the fee for pain management at almost 10% below the national standards, quoting the federal workers' compensation rate for pain management at $136 per hour.

RESPONSE: The commission disagrees with the recommendation to increase reimbursement for chronic pain management. The 1996 MFG did not set a reimbursement amount for chronic pain management programs; carriers and healthcare providers determined a fair and reasonable reimbursement during the effective time period of the 1996 MFG. Reimbursement for chronic pain management programs in the adopted rule is within this range. Additionally, reimbursement amount above this level would place reimbursement for an eight-hour program above the per diem reimbursement for inpatient hospitalization. The federal workers' compensation hourly rate is only one example of a health care system's reimbursement for a chronic pain management program. Public comments received from the previous MFG proposal of June 2001 revealed that a wide range exists for the quoted usual and customary hourly charges, starting at $105. Data received also indicated average hourly payments by 21 insurance carriers for chronic pain management programs is equal to $105, and this averaged 84% of billables being paid by the 21 carriers. Additionally, healthcare providers indicated that much negotiated contracting occurs with carriers for chronic pain management programs, and negotiated hourly rates have been as low as an $88 hourly rate. Consequently, the adopted hourly rate of $125 for a CARF accredited chronic pain management program is fair and reasonable and is well within parameters of opinions received from public commenters.

COMMENT: Commenters recommended that if Medicare's approach for reimbursing all outpatient rehabilitation and return to work services is to be adopted, then subsections (e)(5)(D-E) should be combined and replaced with the term, "Comprehensive Outpatient Rehabilitation Facility Services" (CORF). In addition, commenters recommended changing the reimbursement levels for the most complex program (outpatient medical rehabilitation) to be paid at $90 per hour. Additionally, commenters recommended that as timed physical medicine codes are primarily 15 minute interval codes, the reimbursement for timed programs be amended from "units of less than 31 minutes shall not be billed or reimbursed " to "units of less than 15 minutes shall not be billed or reimbursed."

RESPONSE: The commission disagrees with commenter's recommendation to collapse all outpatient rehabilitation and return to work programs under the term CORF because CORF certifies facilities and not specific rehabilitation programs. The commission provides clarification that reimbursement for outpatient medical rehabilitation was proposed at $90 per hour, and this hourly rate is unchanged in the rule as adopted. The commission agrees that the timed rehabilitation programs should be coded and billed in increments of 15 minutes and has revised subsection (e)(5) language as follows: "Units of less than 1 hour shall be prorated by 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes."

COMMENT: Commenters expressed support of the rule as proposed, and specifically the reimbursement levels designated in paragraphs (e)(5)(A)(ii) and (e)(5)(B)(ii).

RESPONSE: The commission agrees.

COMMENT: Commenters stated that if CARF accreditation is recommended but not required, then a facility with CARF accreditation for General Occupational Rehabilitation (work conditioning), should be able to provide Comprehensive Occupational Rehabilitation (work hardening) at work conditioning rates, and not be limited to work conditioning if the facility is able to meet all the work hardening criteria.

RESPONSE: The commission disagrees with commenter's recommendation. CARF accredits each program individually and the commission exempts each program individually. Accreditation in one program does not prevent a facility from providing services in another program; however, for commission purposes, if one program is CARF accredited and the other is not, then the reimbursement rate is 100% of the MAR for the CARF accredited program and 80% of the MAR for the non-accredited program. In addition, the non-accredited program requires preauthorization and unless the commission has exempted the CARF accredited program, preauthorization is required for that as well.

COMMENT: Commenters expressed support for language and reimbursement rates proposed in subsection (e)(5)(C-E) for specific medical services and medical service healthcare providers. Commenters expressed support for the proposed hourly reimbursement as delineated in (e)(5)(C)(ii) at a rate of $64 per hour.

RESPONSE: The commission agrees with commenters' support of language and reimbursement rates for comprehensive occupational rehabilitation, OMR and CPM programs, and the commission adopts reimbursement as fair and reasonable reimbursement for these respective interdisciplinary programs.

COMMENT: Commenters submitted recommendations that all outpatient rehabilitation programs be billed and reimbursed in 15-minute increments, following the Medicare structure for rounding time units. Commenters expressed opposition, stating that the billing requirements in the adopted rule are cumbersome for rehabilitation programs in subsection (e)(5)(B-E), billed in hourly increments, disallowing reimbursement for the first 31 minutes, which commenters state is contrary to Medicare and all other physical medicine and rehabilitation billing, and therefore, contrary to the legislative intent. Commenters recommended further clarification of subsection (e)(5)(E)(ii) of the proposed rule so that the 31 minutes be the minimum, with that time frame being "pro-rated" so that 32 minutes is not billed as an hour. Further, commenters opposed billing structure for work hardening and work conditioning whereby the first two hours are billed using one CPT code and any additional hours, are billed with a different second code, again disallowing reimbursement for the initial 31 minutes.

RESPONSE: The commission agrees with commenters' position regarding the incremental reimbursement for rehabilitation programs. The commission amends adopted subsection (e)(5) and clarifies reimbursement for units of less than one hour may be prorated by 15 minute increments. The commission disagrees with the opposition expressed to the required use of two different CPT codes when billing for work conditioning and work hardening beyond two hours. These two codes and their descriptions are established by AMA CPT coding and are used to identify the amount of time that service is rendered; and these codes apply to both return to work programs.

COMMENT: Commenters questioned the non-inclusion of home health care and nursing services and reimbursement rates for these services, as both home health care and nursing services will continue to play a critical role in providing care for the critically ill injured employees. Commenters stated that to exempt home health care and nursing services and appropriate reimbursement for these services from the proposed MFG may cause future complications and increases in costs, further stating that other states allow rate-contracting for home health care and nursing services, to bring competition and cost savings to the system. Commenters provided recommendations regarding individuals engaged in home health care and nursing services, stating that these healthcare providers should be reimbursed for their associated travel, and that healthcare providers who render these services should be reimbursed for an administration or nurse-staffing fee. Commenters recommended language modifications to the title of subsection (e)(5) and the addition of new paragraph (F)(i through viii) regarding Nursing Services and Home Health Care Programs.

RESPONSE: Because Medicare covers home health and nursing services as E/M codes; the reimbursement for these services is not separately addressed as an exception to Medicare in subsection (e), but rather as professional services in subsection (c)(1). The provider may code as for CMS billing, and apply the adopted multiplier. The commission clarifies Medicare payment policies will be applied for reimbursement of home health care and nursing services.

COMMENT: Commenters recommended that the commission closely monitor and audit healthcare providers billing for outpatient medical rehabilitation and chronic pain management programs, paragraphs (D) & (E), to determine if the facility is qualified for the type of program being billed. Commenter recommended that the commission adopt rules to ensure that organizations are conforming to established program requirements and that penalties be assessed for organizations that provide return to work services without meeting the clinical standards established by CARF for each program.

RESPONSE: The commission disagrees that additional rules are needed to ensure compliance and assess penalties. The Texas Labor Code, §§415.003, (relating to Administrative Violation by Health Care Provider), 415.0035, (relating to Additional Violations by Insurance Carrier or Health Care Provider), and 415.005, (relating to Overcharging by Health Care Providers Prohibited; Administrative Violation) provide statutory authority and parameters for the commission to issue a violation against a health care provider and assess an appropriate penalty. In addition, the enforcement of the commission's newly adopted Chapter 180 rules (relating to Monitoring and Enforcement) is a function of the Division of Compliance & Practices and is accomplished through health care provider monitoring and audit.

COMMENT: Many commenters addressed the provisions of subsection (e)(6) relating to evaluation of MMI and assignment of IR. Some commenters opposed the proposed fee reductions stating they were unjustified, will result in loss of quality MMI evaluations, loss of quality care for the injured employee, increased patient complaints, a greater number of disputed cases arising from inadequate and inaccurate evaluations, increased paperwork for the commission and increased costs to the system. Commenters felt that the fee reductions may discourage or limit doctors from participating in the MMI/IR evaluation process and cause ethical experienced quality healthcare providers to leave the system. Commenters contended that designated doctor examinations and required medical examinations (RME) are being reduced by 50% and this is an unjustified reduction, which will put doctors out of business. Some commenters supported a reduction in fees, but felt that the proposal was drastic and unrealistic. Commenter stated the opinion that the proposed decrease in fees would virtually eliminate the "out-of-town" doctors who travel to perform these examinations.

Some commenters felt the proposed reduction was an effort to increase insurance carrier profits and others felt that it created a financial incentive to find injured employees at MMI, which is unfair to the injured employee. Commenter stated that early determination of MMI would usually result in a much higher perceived permanent impairment increasing impairment benefits and eventually workers' compensation premiums.

Commenters advocated reimbursement commensurate with the task and stated that these evaluations are complex, comprehensive, costly, and take many hours to generate in that time is required for preparation and dictation of reports, obtaining and reviewing records, and the physical evaluation time which is dependent on the history, complexity and age of the injury. Commenter stated these examinations usually take about 150% the time of a normal new patient visit. Letters of clarification are increasing in number yet the responses are considered part of the original report and billing. Some commenters contended that the $350 for evaluations in which non-MMI is determined is already too low for what is involved in the task and pointed out that social security chart reviews reimburse at least $65 per hour whereas $100 for a MMI/IR examination is less than $30 per hour. Other commenters contended that reimbursement when the injured employee fails to attend the examination is $100, and an IRO paper review is paid at $650. These commenters contend that less time and effort are required for IRO reviews and that doctors providing similar services should be reimbursed the same amount. Commenters stated that evaluations, which result in non-MMI determinations, are not necessarily less complicated or less time consuming and require more resources than the clear-cut MMI cases. Commenters stated that determining whether an employee is at MMI is a far more difficult decision than is the determination of impairment, the chart review is greater than the amount of work required for assignment of an IR.

Commenters recommended various reimbursement amounts: a flat fee of $1,000 regardless of the extent of the injury, a rate based on the time actually spent with the patient, a flat rate of $500 for non-MMI examinations, $350 for non-MMI examinations and $500 for all other MMI examinations, structure remain the same as the 1996 MFG and increase each category by $100, graduated scale beginning at $200 and progressing to $550, an additional $150 for each additional body area, graduated scale of $400 for simple cases, $600 for intermediate cases, and $800 for complex cases, maximum of $600, $125 per hour to reflect complexity, letters of clarification reimbursed at $150 per rebuttal or $100 per report, 25% reduction, RME doctors paid $100 more than designated doctors.

Commenter indicated that increased requirements such as doctor training, completion of additional forms, requiring reports to be sent to different parties by verifiable means, purchasing courses, books and updates result in an increase in the cost of doing business. Commenter stated that designated doctors may be asked to provide multiple IRs per §130.6 and that reimbursement should be increased due to the additional work involved.

Some commenters recommended that language in subsection (e)(6) be stated more clearly regarding billing for MMI/IR examinations.

RESPONSE: The commission agrees in part. Subsection (e)(6) has been revised to reorganize and simplify the billing and reimbursement provisions for MMI/IR examinations and assessments. The commission agrees that doctors should be reimbursed similarly for similar services. In keeping with this, the reimbursement structure for MMI examinations has been changed from a tiered reimbursement structure, which provided different reimbursement amounts depending on the time elapsed since the date of injury and the role of the doctor, to a structure which provides one reimbursement amount for almost all MMI evaluations. The adopted rule eliminates the distinction between reimbursement amounts for MMI evaluations performed by designated doctors and RME doctors. In part, this change recognizes the recently adopted commission requirements that all doctors performing MMI/IR evaluations (not just designated doctors) be trained in the performance of this service. All MMI determinations (except those performed by treating doctors or referral doctors who have previously been treating the injured employee) will be reimbursed $350. For purposes of reimbursement, there is also little distinction between the examinations resulting in a finding of not at MMI and the examinations finding that an employee has reached MMI. Equivalent reimbursement for these examinations is warranted because the work effort for both MMI and non-MMI certification examinations is similar. This will eliminate any appearance of economic incentive for a particular outcome.

Based on the number of MMI examinations billed in 2000, the adopted single reimbursement rate of $350 for these examinations is projected to result in an overall increase in the reimbursement to both designated doctors and RME doctors for these services. This increase should address any concerns that doctors would be discouraged or prevented from participating in the system as designated doctors or RME doctors; or, that the quality of the MMI/IR determinations would be adversely affected because of reimbursement. Also, the increase in overall reimbursement should compensate for the instances where a doctor is required to provide further clarification on a certification.

In addition, the adopted rule has been amended to incorporate reimbursement of $50 for each additional IR calculation when multiple IRs are required as a component of a designated doctor examination.

Commission disagrees that reimbursement rates in the MFG are related to fees charged for an IRO dispute. The two processes vary considerably and are not comparable. The Medical Dispute Resolution process is mandated by HB-2600 to use IROs in resolving medical necessity disputes. The commission has adopted Texas Department of Insurance rules regarding the IRO process including the IRO fees regulated by that state agency. IRO reviews are addressed in other commission rules and were established to be consistent with IRO fees established by the Texas Department of Insurance. The fee for an IRO review is $650, which includes not only reimbursement to the reviewer, but also the administrative costs incurred by the IRO in managing the review process.

After review of the tasks involved in performing a MMI examination, the commission determined $350 to be fair and reasonable reimbursement for these services based on correlative reimbursement data received from other states' workers' compensation systems, as well as the input received from the commission's Medical Advisor. Additionally, when performing an IR evaluation, body areas are reimbursed as well. The commission's Medical Advisor has reviewed the reimbursement amount and agreed it is a fair and reasonable reimbursement for the level of examination required.

COMMENT: Commenter stated the direction of cost savings has been directed against those physicians who have been responsible for the vast improvement of medical care in indemnity savings within the system. Commenter stated this section of the rule is truly a slap in the face of every doctor who performs these examinations honestly and ethically. Expenses continue to increase, however, the commission is establishing a pay cut.

RESPONSE: The commission agrees MMI/IR services are an important component of the workers' compensation system. The commission disagrees cost saving measures have been directed at any particular healthcare provider group. The adopted MFG contains modified language that directs equivalent reimbursement for both MMI and non-MMI certification examinations due to the equivalency of work effort. Further, reimbursement levels have been simplified into one reimbursement amount for all doctors, other than the treating doctor, providing MMI/IR services. This simplification of the reimbursement rates should result in an overall increase in reimbursement for MMI/IR services.

COMMENT: Commenter stated the workers' compensation carriers have shoved HB-2600 down everyone's throats, passed the use of the 4th edition of the AMA Guides which seriously reduces the care an injured employee may receive, or lowers their IR especially where the spine is concerned, and this is just another ploy by the insurance "cartel" to keep more money and make more interest for themselves.

RESPONSE: The commission disagrees. The Texas Legislature adopted HB-2600 during the 2001 Legislative Session, thereby amending §413.011. The commission must meet the statutory provision of achieving effective medical cost control, but balance that objective with the equally important statutory goals of adopting guidelines for reimbursement of medical services that are fair and reasonable and designed to ensure the quality of medical care.

COMMENT: Commenter recommended that consultation be undertaken with physician groups, including the TMA, to base any new fees on economic reality, not an arbitrary fee cut without justification or adequate time for discussion.

RESPONSE: The commission disagrees. In the development of the MFG, the commission repeatedly solicited and received input and comment from system stakeholders, the MAC, and the Medical Advisor regarding both the draft and proposed rules. Public comment has additionally been received and considered and some changes have been incorporated to subsection (e)(6)-(7) as a result.

COMMENT: Commenter stated a recent article published in the Journal of American College of Occupational Medicine demonstrated a 75% decrease in indemnity costs when injured employees were referred to medical specialists rather than primary care physicians who were paid above the level of primary care.

RESPONSE: The commission neither agrees nor disagrees. It is a treating doctor's responsibility, as the gatekeeper of healthcare provided to injured employees, to determine when the services of a medical specialist are appropriate.

COMMENT: Commenter stated fair and reasonable reimbursement levels must be allowed which will further allow the insurance companies and employers the same right to a second opinion examination.

RESPONSE: The commission agrees fair and reasonable reimbursement levels are a necessary component of the MFG. The equalization of reimbursement for all MMI/IR determinations will ensure that RMEs are available to insurance carriers and employers.

COMMENT: Commenter stated well supported medical judgments and expertise are required and the commission is sending a clear message that these services are no longer valued. Commenter expressed concern designated doctor examinations are not held in high regard, as designated doctor opinions are key to the injured employee getting what they need, deserve, and are legally entitled to. Commenter stated designated doctors act as agents of the state yet the commission does not defend them.

RESPONSE: The commission disagrees MMI/IR services by designated doctors are no longer valued. Medical services provided by designated doctors continue to be an integral component of the workers' compensation system. Additionally, the commission has attempted to simplify reimbursement for MMI/IR examinations and projects an overall reimbursement increase for these services.

COMMENT: Commenter stated one of the greatest problems with the workers' compensation system in Texas is the excessive, unreasonable and unnecessary medical attentions associated with billing and collecting.

RESPONSE: The commission agrees that workers' compensation is a complex system. However, an individual provider's business practices may determine the level of difficulty in managing claims in the workers' compensation system. The commission attempts to simplify the billing and payment processes where possible and has adopted standardized payment policies in accordance with HB-2600.

COMMENT: Commenter recommended non-MMI examinations be reimbursed not less than $50 of the MMI examination reimbursement.

RESPONSE: The commission disagrees. After re-evaluating the services necessary, the adopted rule recognizes the similarity in the amount of work involved for both MMI and non-MMI certification examinations and establishes an equivalent reimbursement for these examinations.

COMMENT: Commenter recommended the designated doctor should be asked separately to comment on anything other than MMI/IR, when this is the case a separate pay should be given according to the quantity of questions asked and whether examination is further required, multiple fees should be attached to multiple tasks.

RESPONSE: The commission agrees designated doctors may be asked to comment on issues relating to other than MMI/IR. Subsection (e)(7), regarding Return to Work/Evaluation of Medical Care Examinations, establishes separate reimbursement structures for return to work and evaluation of medical care issues.

COMMENT: Commenter stated the commission should not permit reduction of fees by either PPO bill reviewers or insurance carriers if the doctor is acting as an agent of the state on behalf of the commission.

RESPONSE: The commission disagrees. The MFG in §134.202(d) provides that reimbursement shall be the least of the amount calculated in accordance with the rule, the healthcare providers usual and customary charge, or a contracted amount that applied to the billed services. This is appropriate because the commission allows for contractual agreements between healthcare providers and carriers as long as the reimbursement does not exceed the MAR. Agreement exceptions are at the discretion of the individuals negotiating the contract. Healthcare providers can enter into contractual agreements with PPOs or insurance carriers whenever the healthcare provider chooses to do so.

COMMENT: Commenter opposed "presumptive weight" being given to an examination requested by the commission. Commenters recommended reimbursement for designated doctors and required medical examination doctors be the same, both examinations are equally comprehensive and should be compensated the same. Commenter stated RME doctors will now be examining and addressing MMI/IR issues after the designated doctor has examined the injured employee.

RESPONSE: The commission agrees reimbursement for designated doctors and required medical examination doctors should be the same, as both types of doctors are required to complete the same training standards, and consequently "presumptive weight" does not apply. The adopted rule has been amended to reflect this change.

COMMENT: Commenter recommended reimbursements to the designated doctors and RME doctors be mandated to be completed within a 14 day timeframe once the report is received.

RESPONSE: The commission disagrees. The MFG does not address reimbursement timeframes. Section §133.304 of this title, relating to Medical Payments and Denials, addresses these issues.

COMMENT: Commenter recommended rule clarification in subsection (e)(6)(H)(iv) on how the treating doctor is to request an extension from the insurance carrier of the four-hour maximum time limit.

RESPONSE: The commission clarifies that the process to be followed by a treating doctor attending an MMI/IR examination is contained in §§126.6 and 134.5 of this title, relating to Order for Required Medical Examination and Treating Doctor Attendance at Medical Examination under a Medical Examination Order. Proposed subsection (e)(6)(H)(iv) has been removed from the adopted MFG to avoid future conflicts and duplication.

COMMENT: Commenter was concerned with allowing the treating doctor to attend a RME with the injured employee. Commenter recommended language addition in subsection (e)(6)(H)(iv) to allow other doctors, such as associates, to attend RMEs, "An inured employee's treating doctor (or other doctor authorized by the treating doctor)..."

RESPONSE: The right of an injured employee to have a doctor of the employees' choice attend a RME with the injured employee is not established by the MFG, but by Texas Labor Code §408.004. The doctor of the employee's choice is the injured employee's treating doctor. The procedure for the treating doctor's attendance is addressed by §§126.6 and 134.5 of this title, relating to Order for Required Medical Examination and Treating Doctor Attendance at Medical Examination under a Medical Examination Order. Therefore, proposed subsection (e)(6)(H)(iv) has been deleted from the adopted rule.

COMMENT: Commenter recommended revising guidelines on when MMI/IR evaluations are requested to help alleviate over-utilization.

RESPONSE: The commission disagrees. Other commission rules establish when it is appropriate to request MMI/IR evaluations. Additionally, the office of the Medical Advisor and the Division of Compliance & Practices are developing methodologies to identify and monitor utilization levels in the workers' compensation system.

COMMENT: Commenters recommended reports continue to be reimbursed $15, due to time efforts and personnel expenses involved in processing reports.

RESPONSE: The commission agrees. There has been no change to the reimbursement for required reports.

COMMENT: Commenter expressed support for subsection (e)(6)(D), regarding testing by specialist.

RESPONSE: The commission agrees.

COMMENT: Commenter recommended language clarification regarding subsection (e)(6)(A)(v), contending that the proposed language will lead to unnecessary denials of fees. For example, may provider bill for EMG/NCV or Current Perception Threshold testing in addition to the examination for MMI/IR when determining if radiculopathy, carpal tunnel syndrome, etc., are present and require an IR.

RESPONSE: The commission disagrees clarification regarding required testing for IRs is necessary. Tests necessary to assign an IR are outlined in the AMA Guides and these are the ones included in the MAR for MMI/IR examinations.

COMMENT: Commenter recommended reimbursement in subsections (e)(6)(G)(iii) and (e)(6)(H)(iii), regarding broken appointments, be the same for appointments scheduled by either the commission or the carrier.

RESPONSE: The commission disagrees. The reimbursement for broken appointments has been removed from the adopted MFG. The reimbursement structure for MMI examinations has been changed; this should result in an overall increase in reimbursement for MMI examinations. The increase in reimbursement should compensate for possible costs a healthcare provider may incur due to broken appointments.

COMMENT: Commenter opposed proposed reimbursement of $350, contending that this amount is not sufficient considering the many aspects of RTW that must be addressed.

RESPONSE: The commission disagrees a reimbursement of $350 is insufficient for RTW examinations. The services involved in a RTW examination are comparable to the services necessary in providing MMI services. Further, the commission's Medical Advisor has reviewed the reimbursement amount and agreed it is fair and reasonable reimbursement for the level of examination required. Also, reimbursement for any necessary testing is provided additionally.

COMMENT: Commenters recommended a fee of $500, as proposed in the June 2001 MFG, which would also include testing, this would be more reasonable and easier from a billing perspective in that testing would not be billed separately.

RESPONSE: The commission disagrees the reimbursement for RTW examinations should be $500 and include testing. Not all RTW examinations require testing, therefore, a $500 reimbursement rate is excessive for some RTW examinations. It is more accurate to provide a base fee of $350 and add reimbursement for those examinations that require testing.

COMMENT: Commenter recommended reimbursements addressing RTW issues be consistent with subsection 134.202 (e)(4)(C).

RESPONSE: The commission agrees. Subsection (e)(7), regarding RTW examinations, is not in conflict with subsection (e)(4)(C), which outlines functional capacity evaluation payment policies. FCEs and RTW are very different concepts. An FCE is full physical examination with a functional abilities test to determine the injured employee's optimal functional level, and assists in determining the appropriateness of further treatment. A total of three FCEs are allowed, with the processes being relatively detailed. A RTW examination relates only to a determination by a designated doctor to resolve an injured employee's return to work dispute.

COMMENT: Commenter recommended the language regarding reimbursement for RTW examinations performed by designated doctors be stated more clearly.

RESPONSE: The commission provides clarification in subsection (e)(7) has been revised to address RTW and Evaluation of Medical Care (EMC) Examinations by any doctor.

COMMENT: Commenters recommended a language change to include carrier-requested examinations (e.g., RMEs) for RTW determination and reimbursement levels for these examinations.

RESPONSE: The commission agrees and subsection (e)(7) was modified to clarify that carrier requested examinations are included.

COMMENT: Commenters opposed the proposed reimbursement of EMC examinations at a consultation level. Commenter stated basis of proposed rate was unclear. Commenters stated these examinations are as comprehensive as the examinations to determine MMI/IR and require the same amount of expertise, record review, time, effort, patient interview and physical evaluation. Commenter stated these claims are often very old, with extensive records. Commenters stated these examinations require 3 to 6 hours of time depending on the complexity of the case and with overhead expenses it would be impossible to continue to provide this service. Commenter stated proposed rate was dramatically less than the current $350. Commenter stated the opinions rendered for these examinations are often used to determine the need for continued treatment and payments; therefore reimbursement should be more than a consultation fee. Commenter recommended reimbursement be $350, the same as for RTW examinations, it will give the injured employee the opportunity to receive a fair evaluation. Commenter stated reduced rates for EMC examinations will make it exceedingly difficult to provide high quality patient care. Commenter recommended reimbursement be at least between $500 and $800.

RESPONSE: The commission agrees and language in the adopted MFG has been modified to include a higher reimbursement amount for EMC examinations. However, the commission disagrees with recommendation to reimburse EMCs between $500 and $800. After evaluation of the tasks necessary to perform an EMC examination and consultation with the commission's Medical Advisor, subsection (e)(8) has been deleted and EMC examinations have been added to subsection (e)(7). The reimbursement for both RTW and EMC examinations has been established at $350, with necessary testing to be billed and reimbursed separately.

COMMENT: Commenters recommended reimbursement be $500, the same as for RTW examinations and with the same provisions, it will be very difficult for the commission or insurance carriers to find physicians who will perform these examinations for less. Commenters recommended reimbursement be $500, as proposed in June of 2001.

RESPONSE: The commission disagrees. RTW examinations are not reimbursed $500 and the reimbursement amount proposed for EMCs in June 2001 was also not $500. However, language in the adopted MFG has been modified to increase the amount for EMC examinations to $350, the amount that is paid for RTW examinations.

COMMENT: Commenter recommended deletion of proposed subsection (e)(8), as reimbursement should not change.

RESPONSE: The commission disagrees. Since reimbursement for EMC examinations is not clearly established in the 1996 MFG, it cannot be determined if the reimbursement for EMC examinations is changing. Adopted §134.202 (e)(7) establishes a CPT code and reimbursement amount for EMC examinations, which is the same amount paid for RTW examinations.

COMMENT: Commenters recommended that reimbursement for an RME doctor be in accordance with subsection (e)(6)(H)(i)-(iv).

RESPONSE: The commission disagrees. The adopted MFG incorporates extensive structural changes and the criteria contained in proposed subsection (e)(6)(H)(i)-(iv) have been deleted.

COMMENT: Commenter recommended reimbursement for evaluations to determine MMI, evidence of and extent of injury, and medical necessity, should be equal or more than the reimbursement levels for determination of IR.

RESPONSE: The commission disagrees. The process for the assignment of an IR is vastly different than the process for the other evaluations listed. Therefore, reimbursement for IR assignment is determined by body areas rated and the other evaluations are reimbursed at $350.

COMMENT: Commenter recommended $500 reimbursement for a designated doctor performing an EMC examination, as proposed rule does not establish this provision. Commenter recommended language be stated more clearly regarding billing for an EMC examination.

RESPONSE: The commission disagrees with the recommendation to reimburse $500 to designated doctors performing EMC examinations. The commission also disagrees that clarification for billing an EMC examination is needed. However, subsection (e)(7) of the adopted MFG has been restructured to clarify billing and reimbursement of EMC examinations. The reimbursement amount is the same for an EMC examination regardless of the type of doctor that performs the examination.

General Comments

COMMENT: Commenters recommended that the commission regulate carriers for compliance to decrease administrative costs, and require that carriers switch to electronic billing to decrease costs to everyone.

RESPONSE: The commission agrees with commenters' recommendation and currently regulates carriers for compliance with the Texas Labor Code and attendant rules. The commission currently does not require electronic billing; however, this is a component of the agency BPI initiative.

COMMENT: Commenter expressed opposition to the proposal, stating that it is the perception of medicine that the commission operates as an accessory to the insurance industry, whereas the commission was originally established to take care of the injured employees of Texas.

RESPONSE: The commission disagrees. As stated on the commission website, "Workers' compensation is a state-regulated insurance program that pays medical bills and replaces some lost wages for employees who are injured at work or who have work-related diseases or illnesses." The commission serves as the agency that regulates these insurance benefits for all system participants.

COMMENT: Commenters expressed various positions regarding the benefits of a managed care system. Some commenters expressed support for incorporation of a managed care system, stating that if managed care succeeded in lowering costs in private medicine, why won't it work well in the workers' compensation system? Other commenters recommended that the commission take steps to ensure that workers' compensation does not become a managed care system. Commenters stated that managed care systems try to prevent the patient from receiving proper care. Commenters stated that the managed care proposition has been to lower the income to physicians and restrict access to medical care for the insured, adding that to assume that medical care in the U.S. should have a fee schedule based on Medicare remuneration will end up in a catastrophe. Commenters expressed concern that if the rule is adopted, medical care would be in the hands of those whose priorities are cost containment rather than improving the quality of life, leaving injured employees with substandard care or the loss of benefits. Commenter further stated that many healthcare providers do not sign contracts with HMOs and PPOs for less than 150% of Medicare.

RESPONSE: The term "managed care system" does not have a single definition. The MFG does not adopt an HMO or PPO system. Injured employees in the workers' compensation system can choose a treating doctor from the commission's ADL. The provisions of HB-2600 include a feasibility study for the establishment of regional healthcare delivery networks. However, these network options are not part of the MFG. The decision of which systems a healthcare provider will participate in is a business decision the healthcare provider will make based on his/her situation. The MFG is a result of balancing all statutory mandates and objectives.

COMMENT: Commenters stated that the final adjudication will be in favor of the insurance and business industry, not the injured employee, creating a negative impact not only on injured employees, but also on employers and tax payers.

RESPONSE: The commission disagrees that final adjudication of any claims will be biased as a result of the adoption of §134.202. Final adjudication of claims is not directly related to the adoption of the MFG.

COMMENT: Commenter recommended that the reasoned justification in the Notice of Final Adoption include how the conversion factor will affect access to care, will impact the documented inadequacies in treatment planning, coordination of care and the role of the physician in achieving return to work. In addition, commenter recommended that reasoned justification include how this adoption fulfills the HB-2600 mandate. Commenter recommended that the Notice of Final Adoption address how the conversion factor will impact the cost of medical benefits to employers and employees, what administrative factors in the Texas workers' compensation system increase or decrease the practice costs of physicians in a manner best addressed through the conversion factor, and how physician reimbursement with the selected conversion factor compares to physician reimbursement in other payment systems.

RESPONSE: The commission's reasoned justification is set out in this preamble and the commenters other issues are discussed elsewhere in this preamble.

COMMENT: Commenters stated that considering the gap in reimbursement and inflation that already exists in the Texas workers' compensation system, this inequity will be greatly exacerbated if the proposed MFG is adopted.

RESPONSE: The commission disagrees. The 1996 MFG was not used as the benchmark for developing the adopted multiplier. The commercial and Medicare markets and workers' compensation rates in other states are benchmarks for establishing reimbursement levels. In establishing the adopted reimbursement levels the commission considered these benchmarks, therefore, there is an appropriate relationship between the adopted reimbursement levels and the current benchmarks.

COMMENT: Commenter opposed adoption of MFG stating that there are several reasons for higher treatment costs in Texas workers' compensation system other than those created by MFG rates and offered the following recommendations: healthcare providers not making timely diagnosis, not getting the patient into active care soon enough, adjustors not having realistic expectations of an injured employee's treatment, carriers not paying bills timely, insurance doctors incorrectly performing RME's, carriers slow to pay impairment income benefits, incorrectly paid attorney's fees, and paying fraudulent claims. Commenters recommended that reasons for higher treatment costs in the system are the result of various other situations not related to the proposal of this rule. In addition, commenters offered that savings could come through generic usage and buying agreements for pharmaceuticals, regulating the healthcare providers who justify it, not by lowering reimbursements across the board, and subjecting the carriers to fines.

RESPONSE: The commission has considered numerous factors discussed elsewhere in this preamble in establishing the MAR. The commission agrees that there are many factors that impact system costs in addition to the per unit costs addressed in the MFG. Although many of the commenter's specific examples are outside the realm of the MFG and are addressed in other commission rules, it is important to note that the commission has adopted new pharmacy rules that address use of generics, new preauthorization rules, and other rules pursuant to HB-2600, which address issues affecting system costs. The MARs established by the MFG are an important part of this cost containment effort.

COMMENT: Commenters offered varied comments not related to the adoption of proposed §134.202, including comment that attorneys take an unfair share of the limited money that is due to the healthcare providers, and comment regarding injured employees' reasons for changing treating doctors. Commenters expressed general concern that workers' compensation is in a true crisis, in that there are no fee guidelines or treatment guidelines in place at the moment, inquiring why the Spine Treatment and other treatment guidelines were abandoned. Commenter expressed opposition to proposed MFG stating that is unconstitutional and unconscionable to require a health care provider to pay at tier one or two levels of payment, $450 - $650 for a medical review, as this will deprive the average health care provider of access to medical dispute and is a state sponsored scheme denying access to the court system. Commenters stated that the commission is now imposing added responsibilities regarding documentation of how and from whom medical records were obtained, why appointments were canceled, and the rescheduling of appointments within 7 days, inquiring why should it be the doctors' responsibility to notify the commission if they have not received medical records 3 days prior to the examination. Commenter inquired if the commission is trying to banish and role of medical case managers, as no one but an authorized representative from the commission can contact the designated doctor to obtain medical clarification. Commenter further inquired who would monitor the commission to ensure the timely disbursement of information, including if the commission should not be also required to submit information to all parties within 7 days, in a likewise timely manner, or be fined?

RESPONSE: Because these comments are not related to the adoption of §134.202, they will not be responded to in this preamble.

COMMENT: Commenter stated that there is no logical explanation for this "fee proposal" outside the political arena and that the proposal is unnecessary at this time.

RESPONSE: The commission disagrees with commenters' position that the adoption of the MFG is unnecessary at this time. Section 413.011 of the Texas Labor Code requires the commission to adopt rules to establish medical policies and guidelines relating to payment of fees for specific medical treatments or services. The statute envisions a review and revision of fee guidelines every two years and HB-2600 provided timelines for implementation of its mandates. The reasoned justification for the specific provisions in the rule are contained in this preamble.

COMMENT: Commenters stated that the proposed rule fails to provide program safeguards, as well as achieve standardization with other health insurance programs. Additionally, commenters stated that the decision to cut care by cutting reimbursement may have some short-term positive outcomes for business, will only temporarily provide a cost savings on medical expenses to the insurance carrier, but the entire system is likely to suffer long-term effects if the proposal is adopted.

RESPONSE: The commission disagrees that the proposed rule failed to provide standardization. The rule provides for standardization by adopting the most current Medicare policies and subsequent updates. The Medicare system, including RBRVS, is a consistent standard used in most medical practices, therefore a significant number of healthcare providers are already aware of the Medicare coding, billing, and reimbursement policies. The application of subsequent updates will allow healthcare providers to maintain a consistency between their Medicare and workers' compensation practices. The commission disagrees that program safeguards are not included in the rule. Although the commenter is not specific regarding what is meant by "safeguards" new §134.202 together with other commission rules ensure quality medical care to injured employees in a number of ways. The commission is developing the MQRP through the office of the Medical Advisor to address over-utilization by monitoring to ensure quality care is provided in the system. In addition, the Medical Advisor and the Division of Compliance & Practices are developing methodologies to identify and monitor utilization levels, tracking services billed by provider types and by individual healthcare providers. These are further examples of system safeguards. The commission disagrees that the decision to reduce overall system reimbursement is equivalent to a decision to reduce care to injured employees or that the system will suffer long-term effects if the MFG is adopted and those issues have been addressed elsewhere in this preamble. One of the commission's fundamental purposes is to assure a proper balance of costs, quality and access to care. If for some reason the proper balance is not achieved, the commission has the responsibility to respond and re-establish that proper balance.

COMMENT: Commenters expressed opposition to proposed §134.202 because the commission has failed to properly regulate the insurance industry and address abuse issues in the reimbursement system, stating there is no effective punishment of the carriers for abuses under the Texas workers' compensation system. Commenters stated that the insurance industry requires healthcare providers to incur costs in order to be reimbursed for properly rendered medical services. Commenters further stated that the control of abuse would help drive down cost of health care, which has been directed by HB-2600, would be better than the unreasonable action of imposing punitive reductions in the fee guideline for all healthcare providers.

RESPONSE: The commission disagrees that §134.202 is the means for regulating the insurance industry. Most businesses must incur costs to make money. This regulation responsibility is that of Texas Department of Insurance. However, for specific complaints regarding insurance abuse within the workers' compensation system, participants are encouraged to report violations to the Division of Compliance & Practices and to review the newly adopted Chapter 180 rules, which are designed to ensure that the commission is able to address abuse or non-compliant behavior by all system participants. The commission disagrees that the changes in the fee guideline are punitive, but rather meet the requirements set forth in the Act.

COMMENT: Commenter recommended that the commission should consider helping the injured employee through making positive changes in the proposed MFG.

RESPONSE: The commission agrees with commenter's recommendation and responds that the MFG takes the best interests of the injured employee into consideration by assuring a proper balance of costs, quality and access to care, as well as the remaining statutory and policy mandates and objectives as discussed elsewhere in this preamble.

COMMENT: Commenters opposed the proposed MFG stating that the rule is inconsistent with the findings presented in the previous proposal on July 31, 2001, and is fraught with inconsistencies. Commenters further stated that the previous proposal in 2001, which was withdrawn because it was criticized as inadequate, was not only much more fair than the current proposal, but was more in line with medical reimbursements for other states.

RESPONSE: The commission disagrees that the adopted MFG is inconsistent with the findings presented in the previously withdrawn proposal. The legislative direction is for the commission to more closely parallel its fee guideline with those of the well-established Medicare system. As described in detail elsewhere in this preamble, the adopted MFG was redrafted from the 2001 proposal to accomplish this and to meet other statutory and policy mandates and objectives.

COMMENT: Commenters expressed opposition to the preamble language regarding fiscal impact. Commenter stated that the "no impact to local government" statement was a complete falsehood and lie, stating that taxes will have to be raised in order to cover these workers' compensation patients who will end up on Medicaid. Commenters further stated disagreement that there will be no economic impact, as most cost containment companies are small businesses that have custom-written software and not off-the-shelf auditing software. Small companies with in-house programmers will require at least 3 months programming time to comply with the new reimbursement rates since they will be based on Medicare fee schedule.

RESPONSE: The commission disagrees. The commenters have mischaracterized what the commission said regarding economic impact in the proposal preamble. With respect to local government: Local governments and state governmental entities as regulated entities will be impacted in the same manner as persons required to comply with the rules as proposed.

The following are the commission's statements of "no economic impact":

Carriers that outsource medical bill review should encounter no additional costs. Any transition costs will be borne by the medical bill review consultant. Competition among medical bill review consultants is sufficient to prevent these costs from being passed through to carriers.

There will be some anticipated economic costs to persons required to comply with the rules as proposed. There will be no economic cost to injured workers, as these proposed rules do not impose any requirements on injured workers.

There will be no adverse economic impact on small businesses or on micro-businesses as a result of the proposed new rules. Healthcare practitioners and insurance carriers who perform only a small amount of work in the workers' compensation system can comply with these rules without incurring costs. Many healthcare practitioners and insurance carriers already use the standardized items adopted in these proposed rules, and cost savings explained previously should offset any increased costs. As stated by the TABCC Technical Work Group, "The new MFG will reduce the payment per unit of service for most health care services. It will also reduce total revenue to some health care providers by restraining over-utilization and ending unreasonable billing practices permitted by the current rule. These are adverse economic impacts on these health care providers." . . . Any increase in costs is expected to be offset by cost savings and time savings through the use of a standardized and streamlined process, resulting in no adverse economic impact.

The commission gave thorough consideration to the impact of the proposed rule on all types of participants in the workers' compensation system; the commission requested, received, and reviewed fiscal impact input from system participants; and the commission thoroughly addressed fiscal impacts and public costs/benefits in the proposal preamble.

The adopted MFG is designed to provide fair and reasonable reimbursement, thereby assuring availability of medically necessary services to injured employees. Small businesses, including cost containment companies, will make business decisions regarding whether and how to expend resources to establish, maintain and update their auditing and pricing systems as approved and/or implemented by the commission. It is not expected that this operating cost will have an adverse economic impact on small business. Additionally, Medicare is a benchmark billing system already in use by many companies and was noted in HB-2600 and subsequently by HB-2600 stakeholders as a method of achieving standardization and consistency in billing and reimbursement policies. This standardization ultimately makes the system easier to administer and revise, thereby increasing efficiencies and decreasing costs to healthcare providers, carriers, the commission, and the system as a whole. As discussed elsewhere in this preamble access to care will not be impacted by the adopted MFG. Injured employees would not need to seek care in the Medicaid system because the Texas workers' compensation system provides comprehensive health care medically necessary for the injured employee.

COMMENT: Commenters took exception to preamble language regarding economic costs for compliance as generic, vague and insufficient to meet the standards under the APA for addressing potential economic impact. Commenters stated that the language is overly broad and wholly unsupported. The cost analysis fails to objectively and statistically support any proposed reductions with the presumed cost savings from standardization and streamlining of the billing process.

RESPONSE: The commission disagrees. The analysis provides specific detailed impact for CPT groupings based the rules as proposed and on historic utilization in the Texas workers' compensation system. Individual provider impact is based on the individual cost structure and business practices unique to the individual provider and are consequently not predictable by the commission. Standardization and streamlining of the billing process through the use of Medicare payment policies is a required component of HB-2600. The potential impact on individual healthcare providers will be unique to the provider's cost structure, business organization and familiarity with the Medicare payment policies. On the whole the net economic impact for individual healthcare providers should be positive as it aligns the workers' compensation system with existing systems thereby minimizing unnecessary duplication. The commission gave thorough consideration to the impact of the proposed rule on all types of participants in the workers' compensation system; the commission requested, received, and reviewed fiscal impact input from system participants; and the commission thoroughly addressed fiscal impacts and public costs/benefits in the proposal preamble.

COMMENT: Comments were received from the Regulatory and Oversight Council on Workers' Compensation that included the following recommendations:

(1) that commission staff address all issues raised in public comments and with Commissioner approval, post responses and revised rule proposal on the commission website at least one month prior to a vote on adoption;

(2) that commission staff determine whether portions of the proposed MFG should be phased in, and if so, what implementation timeline should be;

(3) that commission staff address the process by which the commission would modify and update the various segments of these rules and how system stakeholders could request rule modifications;

(4) that commission staff utilize the agency Medical Advisor and the MQRP in analyzing and recommending changes to payment policies or other aspects of the proposal;

(5) that commission staff address the feasibility of moving toward an electronic billing system for healthcare providers and whether this goal should be incorporated into the commission's BPI plan;

(6) that commission staff address a "placeholder" provision in the rule that gives the commission the authority to increase or decrease reimbursement amounts for particular healthcare providers based on performance in the system (i.e. application of the reward/sanction authority based on monitoring under HB-2600);

(7) that commission divide Rule 134.202 into three different rules, that dividing the rule would allow the commission maximum flexibility in modifying these rules in the future;

(8) that commission staff carefully consider appropriate interaction of new utilization controls and baseline pricing in the system; and

(9) that the amount and duration of medical treatment are the causes of Texas' higher cost, not the fee schedule, the focus of the commission's efforts to address cost issues should be on the targeted review and credentialing processes to selectively identify and control over-utilization without placing punitive burdens on conscientious healthcare providers who are providing appropriate care.

RESPONSE:

(1) The commission disagrees that proposed responses should be posted for public review prior to adoption. The large volume of comment and the time constraints for final adoption as required by the APA and HB-2600, do not allow the commission the additional time this would require.

(2) The commission agrees that implementation dates for the MFG should be and are included in the rule in subsection (a)(2), September 1, 2002. A phase-in of the adopted MFG reimbursement was considered, but rejected upon consideration of the length of time since adoption of the 1996 MFG, the fact that the transition anticipated in that guideline has not been completed, the high medical costs in the system, and the statutory mandates.

(3) The commission disagrees that it is necessary for staff to develop a process for revision of these guidelines. The adopted MFG will be regularly updated through changes made to the Medicare system. The process to revise rules through regular review or rule-making petition is addressed in the Act and the APA.

(4) The commission agrees that the Medical Advisor should play a role in development of payment policies and subsequent changes. The Medical Advisor was consulted and provided input concerning this rule. The MQRP is not currently fully operational and therefore that panel was not available to provide input regarding the MFG. In the future the MQRP could be a valuable resource in medical rule development.

(5) Although the current billing rules do not require electronic billing, they do not prevent healthcare providers and insurance carriers from agreeing to utilize electronic billing. Since this is a component of the agency's BPI initiatives, future commission efforts are likely to address and move toward electronic billing.

(6) The commission disagrees with the recommended placeholder provision in the MFG. Although the commission has the authority to increase or decrease reimbursement amounts for particular healthcare providers based on individual performance, rules related to this authority have not been developed and consequently a placeholder in the MFG is premature.

(7) The commission disagrees with the recommendation to separate §134.202 into three rules. Dividing the rule into multiple rules would require re-proposal and cause further delay in the revision of the MFG and the commission's compliance with the requirements in the Act. In the future the commission can proposed and adopt revisions to some subsections of §134.202 without changing others.

(8) The commission agrees with the recommendation that the commission carefully consider appropriate interaction of new utilization controls and baseline pricing in the system, and as fully described elsewhere in this preamble, has done so in developing this component of an integrated system.

(9) The commission agrees that the amount and duration of medical treatment is a primary component in the high per claim cost in the Texas workers' compensation system. However, the amount of reimbursement for services is also an important component of cost containment as discussed elsewhere in this preamble. The role of the MFG is to address per unit reimbursement while utilization of services is addressed concurrently in adoption of Medicare payment policies and in other commission rules. A detailed discussion of these issues is addressed elsewhere in this preamble.

The new rule is adopted under the Texas Labor Code §402.061, which authorizes the commission to adopt rules necessary to administer the Act; the Texas Labor Code, §413.002, which requires the commission's Medical Review Division monitor health care providers, insurance carriers and claimants to ensure compliance with commission rules; the Texas Labor Code, §413.007, which sets out information to be maintained by the commission's Medical Review Division; the Texas Labor Code §413.011, which mandates that the commission by rule establish medical policies and guidelines; the Texas Labor Code, §413.012, which requires review and revision of the medical policies and fee guidelines at least every two years; the Texas Labor Code, §413.013, which requires the commission by rule to establish programs related to health care treatments and services for dispute resolution, monitoring, and review; the Texas Labor Code, §413.015, which requires insurance carriers to pay charges for medical services as provided in the statute and requires that the commission ensure compliance with the medical policies and fee guidelines through audit and review; the Texas Labor Code, §413.016, which provides for refund of payments made in violation of the medical policies and fee guidelines; the Texas Labor Code, §413.017, which provides a presumption of reasonableness for medical services fees which are consistent with the medical policies and fee guidelines; the Texas Labor Code, §413.019, which provides for payment of interest on delayed payments refunds or overpayments; and the Texas Labor Code, §413.031, which provides a procedure for medical dispute resolution; the Texas Labor Code, §413.044, which provides for sanctions against designated doctors who are found to be out of compliance with the medical policies and fee guidelines.

The new rule is adopted under the Texas Labor Code §402.061, § 413.002, §413.007, §§413.011-413.013, §§413.015-413.017, §413.019, §413.031, §413.044.

§134.202.Medical Fee Guideline.

(a) Applicability of this rule is as follows:

(1) This section applies to professional medical services (health care other than prescription drugs or medicine, and the facility services of a hospital or other health care facility) provided in the Texas Workers' Compensation system.

(2) This section shall be applicable for professional medical services provided on or after September 1, 2002. For professional medical services provided prior to September 1, 2002, §134.201 and §134.302 of this title (relating to Medical Fee Guidelines) shall be applicable.

(3) Notwithstanding Centers for Medicare and Medicaid Services (CMS) payment policies, chiropractors may be reimbursed for services provided within the scope of their practice act.

(4) Specific provisions contained in the Texas Workers' Compensation Act (the Act), or Texas Workers' Compensation Commission (commission) rules, including this rule, shall take precedence over any conflicting provision adopted by or utilized by CMS in administering the Medicare program. Exceptions to Medicare payment policies for medical necessity may be provided by commission rule. Independent Review Organization (IRO) decisions regarding medical necessity are made on a case-by-case basis. The commission will monitor IRO decisions to determine whether commission rulemaking action would be appropriate.

(5) Whenever a component of the Medicare program is revised and effective, use of the revised component shall be required for compliance with commission rules, decisions and orders for services rendered on or after the effective date of the revised component.

(b) For coding, billing, reporting, and reimbursement of professional medical services, Texas Workers' Compensation system participants shall apply the Medicare program reimbursement methodologies, models, and values or weights including its coding, billing, and reporting payment policies in effect on the date a service is provided with any additions or exceptions in this section.

(c) To determine the maximum allowable reimbursements (MARs) for professional services system participants shall apply the Medicare payment policies with the following minimal modifications:

(1) for service categories of Evaluation & Management, General Medicine, Physical Medicine and Rehabilitation, Surgery, Radiology, and Pathology the conversion factor to be used for determining reimbursement in the Texas workers' compensation system is the effective conversion factor adopted by CMS multiplied by 125%. For Anesthesiology services, the same conversion factor shall be used.

(2) for Healthcare Common Procedure Coding System (HCPCS) Level II codes A, E, J, K, and L:

(A) 125% of the fee listed for the code in the Medicare Durable Medical Equipment, Prosthethics, Orthotics and Supplies (DMEPOS) fee schedule;

(B) if the code has no published Medicare rate, 125% of the published Texas Medicaid Fee Schedule Durable medical Equipment/Medical Supplies Report J, for HCPCS; or

(C) if neither paragraph (2)(A) nor (2)(B) of this section apply, then as calculated according to paragraph (6) of this subsection.

(3) for pathology and laboratory services not addressed in subsection (c)(1) or in other commission rules:

(A) 125% of the fee listed for the code in the Medicare Clinical Fee Schedule for the technical component of the service; and,

(B) 45% of the commission established MAR for the code derived in subparagraph (A) for the professional component of the service.

(4) for dental treatments and services 125% of the fee listed for the code in the Texas Medicaid Dental Fee Schedule in effect on the date the service is provided.

(5) for commission specific codes, services and programs (e.g. Functional Capacity Evaluation, Impairment Rating Evaluations, Return to Work Programs, etc.) as calculated in accordance with subsection (e) of this section.

(6) for products and services for which CMS or the commission does not establish a relative value unit and/or a payment amount the carrier shall assign a relative value, which may be based on nationally recognized published relative value studies, published commission medical dispute decisions, and values assigned for services involving similar work and resource commitments.

(d) In all cases, reimbursement shall be the least of the:

(1) MAR amount as established by this rule;

(2) health care provider's usual and customary charge; or,

(3) health care provider's workers' compensation negotiated and/or contracted amount that applies to the billed service(s).

(e) Payment Policies Relating to Coding, Billing, and Reporting for commission-specific codes, services, and programs are as follows:

(1) Billing. Health care providers (HCPs) shall bill their usual and customary charges. HCPs shall submit medical bills in accordance with subsection (b), the Act, and commission rules.

(2) Modifiers. Modifying circumstance shall be identified by use of the appropriate modifier following the appropriate American Medical Association (AMA) Physician's Current Procedural Terminology (CPT) code. Additionally, commission specific modifiers are identified in paragraph (9) of this subsection. When two modifiers are applicable to a single CPT code, indicate each modifier on the bill.

(3) Case Management. Case Management is the responsibility of the treating doctor. Team conferences and phone calls shall include coordination with an interdisciplinary team (members shall not be employees of the coordinating HCP and the coordination must be outside of an interdisciplinary program). Documentation shall include the name and specialty of each individual attending the team conference or engaged in a phone call. Team conferences and phone calls should be triggered by a documented change in the condition of the injured employee and performed for the purpose of coordination of medical treatment and/or return to work for the injured employee. Contact with one or more members of the interdisciplinary team more often than once every 30 days shall be limited to the following:

(A) The development or revision of a treatment plan;

(B) To alter or clarify previous instructions;

(C) To coordinate the care of employees with catastrophic or multiple injuries requiring multiple specialties; or,

(D) To coordinate with the employer, employee, and/or an assigned medical or vocational case manager to determine return to work options.

(4) Functional Capacity Evaluations (FCEs). A maximum of three FCEs for each compensable injury shall be billed and reimbursed. FCEs ordered by the Commission shall not count toward the three FCEs allowed for each compensable injury. FCEs shall be billed using the "Physical performance test or measurement..." CPT code with modifier "FC." FCEs shall be reimbursed in accordance with subsection (c)(1). Reimbursement shall be for up to a maximum of four hours for the initial test or for a commission ordered test; a maximum of two hours for an interim test; and, a maximum of three hours for the discharge test, unless it is the initial test. Documentation is required. FCEs shall include the following elements:

(A) A physical examination and neurological evaluation, which include the following:

(i) appearance (observational and palpation);

(ii) flexibility of the extremity joint or spinal region (usually observational);

(iii) posture and deformities;

(iv) vascular integrity;

(v) neurological tests to detect sensory deficit;

(vi) myotomal strength to detect gross motor deficit; and

(vii) reflexes to detect neurological reflex symmetry.

(B) A physical capacity evaluation of the injured area, which includes the following:

(i) range of motion (quantitative measurements using appropriate devices) of the injured joint or region; and

(ii) strength/endurance (quantitative measures using accurate devices) with comparison to contralateral side or normative data base. This testing may include isometric, isokinetic, or isoinertial devices in one or more planes.

(C) Functional abilities tests, which include the following:

(i) activities of daily living (standardized tests of generic functional tasks such as pushing, pulling, kneeling, squatting, carrying, and climbing);

(ii) hand function tests which measure fine and gross motor coordination, grip strength, pinch strength, and manipulation tests using measuring devices;

(iii) submaximal cardiovascular endurance tests which measure aerobic capacity using stationary bicycle or treadmill; and

(iv) static positional tolerance (observational determination of tolerance for sitting or standing).

(5) Return To Work Rehabilitation Programs. The following shall be applied for billing and reimbursement of Work Conditioning/General Occupational Rehabilitation Programs, Work Hardening/Comprehensive Occupational Rehabilitation Programs, Chronic Pain Management/Interdisciplinary Pain Rehabilitation Programs, and Outpatient Medical Rehabilitation Programs. To qualify as a commission Return to Work Rehabilitation Program, a program should meet the "Specific Program Standards" for the program as listed in the most recent Commission on Accreditation of Rehabilitation Facilities (CARF) Medical Rehabilitation Standards Manual. Section 1 standards regarding Organizational Leadership, Management and Quality apply only to CARF accredited programs.

(A) Accreditation by the CARF is recommended, but not required.

(i) If the program is CARF accredited, modifier "CA" shall follow the appropriate program modifier as designated for the specific programs listed below. The hourly reimbursement for a CARF accredited program shall be 100% of the MAR.

(ii) If the program is not CARF accredited, the only modifier required is the appropriate program modifier. The hourly reimbursement for a non-CARF accredited program shall be 80% of the MAR.

(B) Work Conditioning/General Occupational Rehabilitation Programs (for commission purposes, General Occupational Rehabilitation Programs, as defined in the CARF manual, are considered Work Conditioning.)

(i) The first two hours of each session shall be billed and reimbursed as one unit, using the "Work hardening/conditioning; initial 2 hours" CPT code with modifier "WC." Each additional hour shall be billed using the "Work hardening/conditioning; each additional hour" CPT code with modifier "WC." CARF accredited Programs shall add "CA" as a second modifier.

(ii) Reimbursement shall be $36.00 per hour. Units of less than 1 hour shall be prorated by 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes.

(C) Work Hardening/Comprehensive Occupational Rehabilitation Programs (for commission purposes, Comprehensive Occupational Rehabilitation Programs, as defined in the CARF manual, are considered Work Hardening.)

(i) The first two hours of each session shall be billed and reimbursed as one unit, using the "Work hardening/conditioning; initial 2 hours" CPT code with modifier "WH." Each additional hour shall be billed using the "Work hardening/conditioning; each additional hour" CPT code with modifier "WH." CARF accredited Programs shall add "CA" as a second modifier.

(ii) Reimbursement shall be $64.00 per hour. Units of less than 1 hour shall be prorated by 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes.

(D) Outpatient Medical Rehabilitation Programs

(i) Program shall be billed and reimbursed using the "Unlisted physical medicine/rehabilitation service or procedure" CPT code with modifier "MR" for each hour. The number of hours shall be indicated in the units column on the bill. CARF accredited Programs shall add "CA" as a second modifier.

(ii) Reimbursement shall be $90.00 per hour. Units of less than 1 hour shall be prorated by 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes.

(E) Chronic Pain Management/Interdisciplinary Pain Rehabilitation Programs

(i) Program shall be billed and reimbursed using the "Unlisted physical medicine/rehabilitation service or procedure" CPT code with modifier "CP" for each hour. The number of hours shall be indicated in the units column on the bill. CARF accredited Programs shall add "CA" as a second modifier.

(ii) Reimbursement shall be $125.00 per hour. Units of less than 1 hour shall be prorated in 15 minute increments. A single 15 minute increment may be billed and reimbursed if greater than or equal to 8 minutes and less than 23 minutes.

(6) Maximum Medical Improvement and/or Impairment Rating (MMI/IR) examinations shall be billed and reimbursed as follows:

(A) The total MAR for an MMI/IR examination shall be equal to the MMI evaluation reimbursement plus the reimbursement for the body area(s) evaluated for the assignment of an IR. The MMI/IR examination shall include:

(i) the examination;

(ii) consultation with the injured employee;

(iii) review of the records and films;

(iv) the preparation and submission of reports (including the narrative report, and responding to the need for further clarification, explanation, or reconsideration), calculation tables, figures, and worksheets; and,

(v) tests used to assign the IR, as outlined in the AMA Guides to the Evaluation of Permanent Impairment (the AMA Guides ), as stated in the commission Act and Rules Chapter 130 relating to Impairment and Supplemental Income Benefits.

(B) A HCP shall only bill and be reimbursed for an MMI/IR examination if the doctor performing the evaluation (i.e., the examining doctor) is an authorized doctor in accordance with the Act and commission Rules, Chapter 130 relating to Certification of Maximum Medical Improvement and Evaluation of Permanent Impairment.

(i) If the examining doctor, other than the treating doctor, determines MMI has not been reached, the MMI evaluation portion of the examination shall be billed and reimbursed in accordance with subparagraph (C). Modifier "NM" shall be added.

(ii) If the examining doctor determines MMI has been reached and there is no permanent impairment because the injury was sufficiently minor, an IR evaluation is not warranted and only the MMI evaluation portion of the examination shall be billed and reimbursed in accordance with subparagraph (C).

(iii) If the examining doctor determines MMI has been reached and an IR evaluation is performed, both the MMI evaluation and the IR evaluation portions of the examination shall be billed and reimbursed in accordance with subparagraphs (C) and (D).

(C) The following applies for billing and reimbursement of an MMI evaluation.

(i) An examining doctor who is the treating doctor shall bill using the "Work related or medical disability examination by the treating physician..." CPT code with the appropriate modifier.

(I) Reimbursement shall be the applicable established patient office visit level associated with the examination.

(II) Modifiers "V1", "V2", "V3", "V4", or "V5" shall be added to the CPT code to correspond with the last digit of the applicable office visit.

(ii) If the treating doctor refers the injured employee to another doctor for the examination and certification of MMI (and IR); and, the referral examining doctor has:

(I) previously been treating the injured employee, then the referral doctor shall bill the MMI evaluation in accordance with subparagraph (C)(i); or,

(II) not previously treated the injured employee, then the referral doctor shall bill the MMI evaluation in accordance with subparagraph (C)(iii).

(iii) An examining doctor, other than the treating doctor, shall bill using the "Work related or medical disability examination by other than the treating physician..." CPT code. Reimbursement shall be $350.

(D) The following applies for billing and reimbursement of an IR evaluation.

(i) The HCP shall include billing components of the IR evaluation with the applicable MMI evaluation CPT code. The number of body areas rated shall be indicated in the units column of the billing form.

(ii) When multiple IRs are required as a component of a designated doctor examination under §130.6 of this title (relating to Designated Doctor Examinations for Maximum Medical Improvement and/or Impairment Ratings), the designated doctor shall bill for the number of body areas rated and be reimbursed $50 for each additional IR calculation. Modifier "MI" shall be added to the MMI evaluation CPT code.

(iii) For musculoskeletal body areas, the examining doctor may bill for a maximum of three body areas.

(I) Musculoskeletal body areas are defined as follows:

(-a-) spine and pelvis;

(-b-) upper extremities and hands; and,

(-c-) lower extremities (including feet).

(II) The MAR for musculoskeletal body areas shall be as follows.

(-a-) $150 for each body area if the Diagnosis Related Estimates (DRE) method found in the AMA Guides 4th edition is used.

(-b-) If full physical evaluation, with range of motion, is performed:

(-1-) $300 for the first musculoskeletal body area; and,

(-2-) $150 for each additional musculoskeletal body area.

(III) If the examining doctor performs the MMI examination and the IR testing of the musculoskeletal body area(s), the examining doctor shall bill using the appropriate MMI CPT code with modifier "WP." Reimbursement shall be 100% of the total MAR.

(IV) If the examining doctor performs the MMI examination and assigns the IR, but does not perform the testing of the musculoskeletal body area(s), then the examining doctor shall bill using the appropriate MMI CPT code with CPT modifier "26." Reimbursement shall be 80% of the total MAR.

(V) If a HCP other than the examining doctor performs the testing of the musculoskeletal body area(s), then the HCP shall bill using the appropriate MMI CPT code with modifier "TC." Reimbursement shall be 20% of the total MAR.

(iv) Non-musculoskeletal body areas shall be billed and reimbursed using the appropriate CPT code(s) for the test(s) required for the assignment of IR.

(I) Non-musculoskeletal body areas are defined as follows:

(-a-) body systems;

(-b-) body structures (including skin); and,

(-c-) mental and behavioral disorders.

(II) For a complete list of body system and body structure non-musculoskeletal body areas refer to the appropriate AMA Guides .

(III) When the examining doctor refers testing for non-musculoskeletal body area(s) to a specialist, then the following shall apply:

(-a-) The examining doctor (e.g., the referring doctor) shall bill using the appropriate MMI CPT code with modifier "SP" and indicate one unit in the units column of the billing form. Reimbursement shall be $50.00 for incorporating one or more specialists' report(s) information into the final assignment of IR. This reimbursement shall be allowed only once per examination.

(-b-) The referral specialist shall bill and be reimbursed for the appropriate CPT code(s) for the tests required for the assignment of IR. Documentation is required.

(E) If the examination for the determination of MMI and/or the assignment of IR requires testing that is not outlined in the AMA Guides , the appropriate CPT code(s) shall be billed and reimbursed in addition to the fees outlined in subparagraphs (C) and (D).

(F) The treating doctor is required to review the certification of MMI and assignment of IR performed by another doctor, as stated in the Act and commission Rules, Chapter 130 relating to Certification of Maximum Medical Improvement and Evaluation of Permanent Impairment by A Doctor Other Than The Treating Doctor. The treating doctor shall bill using the "Work related or medical disability examination by the treating physician..." CPT code with modifier "VR" to indicate a review of the report only, and shall be reimbursed $50.00.

(7) Return to Work (RTW) and/or Evaluation of Medical Care (EMC) Examinations. When conducting a commission or insurance carrier requested RTW/EMC examination that is not for the purpose of certifying MMI and/or assigning an IR (e.g. a medical necessity issue), the examining doctor shall bill and be reimbursed using the "Work related or medical disability examination by other than the treating physician..." CPT code with modifier "RE." The reimbursement shall be $350.00 and shall include commission-required reports. Testing that is required shall be billed using the appropriate CPT codes and reimbursed in addition to the examination fee.

(8) Work Status Report. When billing for a Work Status Report refer to the commission Act and Rules Chapter 129 relating to Income Benefits - Temporary Income Benefits.

(9) Commission Modifiers. HCPs billing professional medical services shall utilize the following modifiers, in addition to the modifiers prescribed by the Medicare policies required to be used in subsection (b) of this section, for correct coding, reporting, billing, and reimbursement of the procedure codes.

(A) CA, Commission on Accreditation of Rehabilitation Facilities (CARF) Accredited programs - This modifier shall be used when a HCP bills for a Return To Work Rehabilitation Program that is CARF accredited.

(B) CP, Chronic Pain Management Program - This modifier shall be added to the "Unlisted physical medicine/rehabilitation service or procedure" CPT code to indicate Chronic Pain Management Program services were performed.

(C) FC, Functional Capacity - This modifier shall be added to the "Physical performance test or measurement..." CPT code when a functional capacity evaluation is performed.

(D) MR, Outpatient Medical Rehabilitation Program - This modifier shall be added to the "Unlisted physical medicine/rehabilitation service or procedure" CPT code to indicate Outpatient Medical Rehabilitation Program services were performed.

(E) MI, Multiple Impairment Ratings - This modifier shall be added to the "Work related or medical disability examination by other than the treating physician..." CPT code when the designated doctor is required to complete multiple impairment ratings calculations.

(F) NM, Not at Maximum Medical Improvement (MMI) - This modifier shall be added to the appropriate MMI CPT code to indicate that the injured employee has not reached MMI when the purpose of the examination was to determine MMI.

(G) RE, Return to Work (RTW) and/or Evaluation of Medical Care (EMC) - This modifier shall be added to the "Work related or medical disability examination by other than the treating physician..." CPT code when a RTW or EMC examination is performed.

(H) SP, Specialty Area - This modifier shall be added to the appropriate MMI CPT code when a specialty area is incorporated into the MMI report.

(I) TC, Technical Component - This modifier shall be added to the CPT code when the technical component of a procedure is billed separately.

(J) VR, Review report - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code to indicate that the service was the treating doctor's review of report(s) only.

(K) V1, Level of MMI for Treating Doctor - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code when the office visit level of service is equal to a "minimal" level.

(L) V2, Level of MMI for Treating Doctor - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code when the office visit level of service is equal to "self limited or minor" level.

(M) V3, Level of MMI for Treating Doctor - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code when the office visit level of service is equal to "low to moderate" level.

(N) V4, Level of MMI for Treating Doctor - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code when the office visit level of service is equal to "moderate to high severity" level and of at least 25 minutes duration.

(O) V5, Level of MMI for Treating Doctor - This modifier shall be added to the "Work related or medical disability examination by the treating physician..." CPT code when the office visit level of service is equal to "moderate to high severity" level and of at least 45 minutes duration.

(P) WC, Work Conditioning - This modifier shall be added to the appropriate "Work hardening/conditioning" CPT code to indicate work conditioning was performed.

(Q) WH, Work Hardening - This modifier shall be added to the appropriate "Work hardening/conditioning" CPT code to indicate work hardening was performed.

(R) WP, Whole Procedure - This modifier shall be added to the CPT code when both the professional and technical components of a procedure are performed by a single HCP.

(f) Where any terms or parts of this section or its application to any person or circumstance are determined by a court of competent jurisdiction to be invalid, the invalidity does not affect other provisions or applications of this section that can be given effect without the invalidated provision or application.

This agency hereby certifies that the adoption has been reviewed by legal counsel and found to be a valid exercise of the agency's legal authority.

Filed with the Office of the Secretary of State on April 26, 2002.

TRD-200202622

Susan Cory

General Counsel

Texas Workers' Compensation Commission

Effective date: May 16, 2002

Proposal publication date: December 28, 2001

For further information, please call: (512) 804-4287