One coming Health Insurance efficiency will be the point of service digital health insurance cards. This is a coming digital application that conducts verification and payment to the provider with the wave of the smart phone.
The consumer and the provider can transcend a laborious often unseen claims process to get on with the treatment and more effectively manage the families household resources. The real time digital records will reduce duplication and fraud.
This will be helpful for senior's who have multiple health insurance funds contributing in varied ways to the health care needs. The Senior may have Medicare / Medicaid and a drug plan all at once. No longer will there be a paper copy of the health insurance companies contribution to the care coming by mail for review. This information will all be accurately displayed with the providers visit.
The claims function will be challenged to pay the provider in real time from the group pool of money held as the insurance fund. This is an essential expectation of the value based model which operates efficiently with tighter margins of profit. This reduces the excessive administrative costs being experienced on the provider side.
The medlio app is a secure virtual health insurance card already employing this style of utilization. This facilitates an upfront cost estimate for a transparent transaction at the point of service.
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