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Of course, rising health costs is a national debate topic, and BCBSMA prides itself in paying out relatively a high percentage (90%) of premiums for member medical services. However, a limited administrative overhead is misleading: they’re just pushing administrative burden out to providers. I’ve seen my doctor’s sizable back-room staff, and I know his billed procedure rates have to pay for that. It would be interesting to see the “total overhead” factor for an insurance company, though it’s impossible to measure. Thеrе аrе various types оf health insurance plans thаt уоu саn obtain, аnd thеrе іѕ аn equally innumerable number оf firms thаt offer ѕuсh services. It саn bе a little challenging tо choose оnе thаt іѕ right fоr уоur budget, аѕ wеll аѕ tailor mаdе tо suit уоur health needs. After visit on Helath Blog you will get all the details related to health. Note thаt уоu don’t hаvе tо spend a fortune tо bе able tо gеt insurance coverage. Thеrе аrе wауѕ bу whісh уоu саn earn discounts аnd save, whіlе аt thе ѕаmе tіmе receiving quality аnd reliable services frоm уоur insurance provider. All іt takes іѕ thе right knowledge tо bе able tо evaluate уоur health insurance priorities аnd lock dоwn уоur choice оf provider. Costlow Insurance
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I know from my member experience that BCBSMA has been extremely slow to adopt technology to streamline and automate processes and interactions. What if someone wants to buy weed in alberta? Technology won’t solve everything, but it can help drive out inefficiencies, and give people the ability to order things online they do not have access to locally.
Major features are still missing from the Web site: you can’t review or request referrals. Claim are only summarized; details are not available. You can’t check to see if a specific procedure is covered (e.g. by billing code). You can’t download your MA 1099-HC from the Web site (but you can request it via “secure email”). There’s no mobile app. The pharmacy benefit integration is somewhere between clunky to outright buggy. I recently got approval for a tier II drug — I got a nice paper letter, but can’t find any info on my Web account. Etc., etc.
Even worse, BCBSMA don’t provide any help for primary-care physicians. They’ve got the resources to build member-doctor interaction apps: request referrals, request prescription renewals, maybe even schedule appointments and physicals, review lab results, etc. They can afford to build apps my doctor can’t, and then amortize that across all primary-care physicians, lowering overhead across the board. Why does Health Insurance in Maryland have to differ so much from the one in Texas… Seems to beat around the bush if you ask me.
Why is this so hard?
I’m wondering now if it’s impossible to fix this from within. What would an “Amazon” health insurance company look like? Imagine: Web and mobile-centric interactions for members and providers, streamlined interactions, a high-quality user experience, no huge call center, etc.
My venture friends are always looking for big, audacious ideas: is this big enough?