Abstract: Systems, apparatus, methods and articles of manufacture provide for assessing medical costs of bodily injuries and other medical conditions. In some embodiments, age, comorbidity considerations, or both, may be used in calculating (or otherwise determining) such costs. In some embodiments, a base expected number of units of a projected medical procedure may be multiplied or otherwise adjusted using one or more coefficients, including, but not limited to, an age multiplier and a comorbidity multiplier.

Abstract: Systems and methods are disclosed herein for providing a virtual medical self management tool by an insurer to an injured person who sustained an insured bodily injury. In certain embodiments, these systems and methods provide medical self management information related to property/casualty insurance claims using a web portal. In a preferred embodiment, the systems and methods provide the medical self management information to injured employees covered through their employer by workers compensation insurance.