Health reform is affecting and changing healthcare deliverymodels, however, there is a large gap between the healthcarerelated to Workers' Compensation and the group health approach.

As a result of health reform, the industry has experiencedsignificant consolidation of health systems and medical practices,with an added emphasis on patients as consumers of healthcare, andproviders continue to evolve.

As employers, though, our message is confused. We tell employeesthat we have a great healthcare system set up for them, encouragethem to choose the best physician to meet their needs and to getregular checkups. However, if an employee gets injured, we have aseparate system with a separate set of doctors and a separate setof rules.

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