What to Look for in an MCO

What is an MCO?

MCOs are contracted through the BWC to manage the medical aspect of employee work-related injury claims. They are paid by Ohio BWC with a portion of employer-paid premiums.\

What should an employer look for when selecting an MCO?

A utilization review department that is separate from the case management department is key. This helps an MCO maintain impartiality and make objective decisions when responding to treatment requests by doctors to determine their appropriateness in the context of a claim.
An MCO needs a comprehensive fee-auditing department to determine what claims are appropriate to pay. A company should feel confident that their MCO’s process is thorough enough to avoid unnecessary charges.
Companies benefit from MCOs that have a relationship with a provider network. This enables it to take advantage of discounts below the BWC’s fee schedule. Lower medical costs equate to lower workers’ compensation premium payments.
Customized reporting is an added perk, as such reports can contain incredibly valuable information - like how to target and engineer out certain injury types with better safety or ergonomic programs.
A company should have one point of contact at their MCO. Having multiple contacts is confusing. One point of contact means the MCO can learn the employer’s preferences, and most importantly its return-to-work philosophy.
MCOs should help with an employee’s return to work, and offer flexible return-to-work strategies that are specific to the employer.

For more information, contact Brandy King at brandyk@suretyhr.com

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The Greentree Group Expands Leadership Team with Appointment of Three New Principals

By Chris McClure • January 12, 2026

PRESS RELEASE FOR IMMEDIATE RELEASE Melissa Smith, Art Todd, and Pam Rigling bring decades of expertise to drive innovation and strategic growth. Dayton, OH – 1/12/26 – The Greentree Group, a family-owned business with more than three decades of experience as a trusted solutions provider, today announced the appointment of three new Principals: Melissa Smith, Art Todd, and Pam Rigling. These strategic additions build on the company’s experienced leadership team, adding depth and expertise to an already strong roster of principals and underscoring its commitment to growth, innovation, and delivering exceptional value to organizations nationwide. This leadership expansion comes as The Greentree Group accelerates its growth strategy for 2026, including expanding operations into additional states and broadening its service offerings. With new initiatives already underway, the company is positioned to strengthen its impact and deliver transformative solutions to a growing base of organizations. CEO Quote: Travis Greenwood, Chief Executive Officer “Their promotions mark a milestone not only in their careers, but in Greentree’s evolution. We’re not just recognizing outstanding leaders; we’re doubling down on our commitment to build a stronger, more capable company. We are creating more pathways of growth and success for every member of our team.” Melissa Smith – Principal Melissa Smith’s career spans more than 30 years in Department of Defense (DoD) financial management, legacy systems, and ERP solutions. Known for her passion for excellence and commitment to serving those who serve, Melissa brings deep insight into the challenges organizations face in today’s complex environment. As a Senior Manager at The Greentree Group, she led a team of 60+ professionals delivering critical operational support in financial systems, IT management, cybersecurity, and robotic process automation. Melissa holds a B.S. in Management and Computer Information Systems and is a certified Project Management Professional (PMP). Art Todd – Principal Art Todd is a seasoned Certified Project Management Professional (PMP) with over a decade of experience leading enterprise technology initiatives and driving strategic business transformations. At The Greentree Group, Art oversees major project portfolios, guiding organizations through system transformations and aligning diverse stakeholder groups toward shared goals. His leadership emphasizes trust, collaboration, and the integration of people, technology, and processes to deliver meaningful results. Pam Rigling – Principal Pam Rigling brings 25 years of experience in professional services leadership, marketing, and communication. Since joining The Greentree Group in 2021, Pam has launched and managed the Intelligent Automation Team and served as Operations Manager for Back To Business I.T. , driving significant growth and innovation. A proud Daytonian, Pam is passionate about communicating effectively to build strong teams, fostering clarity of purpose, and creating sustainable solutions for organizational velocity . She actively contributes to the community through sponsorships, speaking engagements, and volunteer work. COO Quote: “Growth only matters if it’s backed by strong leadership and disciplined execution. Melissa, Art, and Pam have already shown they can deliver results, lead through complexity, and lift the people around them. Their promotion to Principal puts Greentree in a strong position to scale with confidence and to continue to provide world-class solutions to our clients.” —Tyler Greenwood. Chief Operating Officer CBO Quote: These promotions are really the perfect time and fit for Greentree and our new Principals. We have been fortunate to have experienced tremendous growth over the last 5 years. But, we recognized that if we are to continue that growth by delivering The Greentree Way for both our current and future clients, we needed more firepower. Melissa, Pam, and Art have proven themselves in delivery and leadership and are more than ready for the next challenge. It is exciting to welcome them to the executive team and see where they take us! — Chris Jones, Chief Business Officer About The Greentree Group The Greentree Group is a trusted partner in delivering innovative technology and business solutions that empower organizations to achieve their mission. With expertise in enterprise systems, cybersecurity, intelligent automation, and strategic advisory services, Greentree helps organizations navigate complexity and accelerate success. Through its MSP Brand, Back To Business I.T. , the company provides managed IT services and cybersecurity solutions to help businesses thrive. Learn more at http://www.greentreegroup.com . Media Contact: Hailey Clark Creative Marketing Specialist Hclark@greentreegroup.com