NETWORK DISCOUNTS ADD UP TO SAVINGS We negotiate aggressive discounts through network contracts for physician services, pharmaceuticals and physical therapy. HM Workers' Compensation has experienced nearly 57 percent average total cost savings on billed charges since 2010. And the percentage continues to grow, generating 60.8 percent savings in 2014. We do not retain any administrative on fees from those savings; they are reflected in the overall losses that may potentially affect the client's rating for the following year.