The Comorbidity Cost Multiplier

Wellness Equipment

For Workers' Comp Adjusters & Risk Managers

Same injury. Same treatment plan. Dramatically different claim costs. The difference is almost always an unmanaged comorbidity — and it's preventable with the right equipment program.

47%

reduction in cardiovascular events with active remote patient monitoring

3–6×

average ROI on wellness equipment programs over 3 years

38%

shorter disability duration when comorbidities are actively managed

$3,600

average annual per-employee savings from CPAP compliance programs

The Three Silent Multipliers

How Each Condition Magnifies Claim Cost

These three comorbidities appear in the majority of high-severity workers' comp claims — and each one can be addressed with targeted equipment at a fraction of the claim cost it prevents.

Diabetes & Pre-Diabetes

130M+ Americans affected

3–5× higher claim cost
for identical injuries

Uncontrolled glucose slows wound healing and dramatically raises infection risk
Diabetic foot injuries average 3–5× the claim cost of the same injury in non-diabetic workers
CGM programs that keep glucose in range cut wound care costs and amputation risk significantly

Rx: CGM • Glucose Meters • Smart Scales

Hypertension

1 in 3 working adults

40% higher workers' comp
claim costs

Workers with uncontrolled blood pressure have 40% higher average claim costs vs. peers
A $150 blood pressure monitor program can prevent a $150,000 cardiac event claim
RPM-connected BP monitors allow proactive outreach before a health crisis delays RTW

Rx: BP Monitors • Holter • RPM Program

Sleep Apnea

Most underdiagnosed cost driver

2–3× higher workplace
injury risk

Untreated sleep apnea increases workplace accident risk 2–3× due to fatigue & impaired cognition
CPAP compliance data can be shared with carriers to favorably influence renewal underwriting
$3,600/year average reduction in per-employee health costs from CPAP compliance programs

Rx: CPAP • BiPAP • Compliance Monitoring

Claim Cost Comparison — Same Injury, Different Risk Profile

Unmanaged Comorbidity: The Hidden Claims Budget

No comorbidities

$24,000

Managed hypertension

$33,600

Managed diabetes

$38,000

Unmanaged hypertension

$63,000

Unmanaged diabetes

$84,000–$120,000

Representative averages for musculoskeletal claims; actual costs vary by injury type, state, and claim complexity.

What We Provide

Wellness Equipment by Category

Sleep & Respiratory

✓CPAP / Auto-CPAP (APAP)
✓BiPAP / BiPAP ST
✓Compliance monitoring & reporting
✓Nebulizers & incentive spirometers
✓Pulse oximeters
✓Peak flow meters

Cardiac & Vascular

✓Automatic blood pressure monitors
✓Holter monitors (24/72hr)
✓Portable ECG / EKG devices
✓HRV biofeedback devices
✓Remote patient monitoring (RPM)
✓Smart cardiac wearables

Metabolic & Activity

✓Blood glucose meters
✓Continuous glucose monitors (CGM)
✓Smart scales (BMI / body comp)
✓Fitness & activity trackers
✓Fall detection wearables
✓HEPA air purifiers

A $150 blood pressure monitor can prevent a $150,000 cardiac event claim.

Wellness equipment programs consistently return $3–$6 for every $1 invested — through reduced indemnity exposure, shorter disability durations, lower medical costs, and fewer re-injuries. HealthCare Comp designs, delivers, and monitors these programs for adjusters and risk managers nationwide.

1,000× potential ROI on
BP monitor vs. cardiac claim

Ready to build a wellness equipment program?

Submit a referral or call to discuss a comorbidity management program for your claimant population.

Submit a Referral (800) 231-9311

Wellness Equipment Programs

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The Comorbidity Cost Multiplier