The Comorbidity Cost Multiplier
How unmanaged health conditions silently drive workers' comp costs — and how wellness equipment programs close the gap.
Wellness Equipment
For Workers' Comp Adjusters & Risk Managers
The Comorbidity Cost Multiplier
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.
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.
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
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
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
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.
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.
Wellness Equipment Programs
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Questions About Wellness Equipment for Your Claims?
Our team can design a comorbidity management program around your specific claimant population and budget — with compliance reporting built in.