I had a weekend reprieve from the insurance questions, but just after a long Monday, I find that there seems to be an endless number of faces and voices that need help or explanation.
All I have to say is— Gee… I wish employers had done a better job educating their employees about the changes afoot in the health plans they were offering.
Honestly, I can’t really blame patients for their frustration. For years, they have mindlessly sought care, paid their copay and not even wondered about contracted rates, discounted rates, co-insurance, deductibles and etc. I even had one lady bring in her EOMB to me and ask me to explain it. She was SHOCKED that eventhough the doctor billed $125 for her med check, that he only got $60 plus her $6.00 (10% of the contracted rate) copay.
Yep… there’s a lot people don’t know.
In the hope of compiling a list of resources to hand out, I took a few moments last night to travel around to various sites that have come up in the last few months who are seeking to help patients navigate this maze in which they have been unceremoniously dropped.
1. Vimo: Probably the most mature of the products I toured. This is really focused on helping people shop their insurance and physicians. However, their “Learn” section did provide a good primer on essentials of these new health plans.
2. RevolutionHealth (in Preview) will be available soon. They seem to be focusing on helping people become more engaged in their health. They have a fair number of wellness promotion tools and they support SimoHealth’s medical bill tracking tool and and help you estabilish personal health record ‘portfolio’.
I haven’t opened up a SimoHealth account (despite the 30 days free offer, $39 after that), so I don’t know if SimoHealth offeres some good explanation of the basics of the CDHC Insurance game.
3. MedBillManager. I’ve been through several tours of this product, thanks to an invite from Christopher a few months ago. I’ve offered some (sometimes stern) feedback on their product and they have always taken it and turned the comments into thoughtful functionality. It is still a pretty green product, as their alpha status indicates, but it is a pretty good start. The cool thing is that it is free for up to two people.
Here again, this is a tracking tool to help people understand where their healthcare dollars are going. MedBillManager does not really explain CDHCs or insurance basics in layman’s terms, but it does provide a cost effective tool to become more educated about your own personal healthcare expenditures.
Since it is free — drop by and try it out. Also give Christopher and the guys copious amounts of feedback. They don’t have enough to do…
Update: Unity Stokes over at Organized Wisdom has conducted a podcast with Christopher at MedBillManager.
While I’m updating— please check out Organized Wisdom as a community to help people to get information on the various treatment options for certain diseases. It also helps individuals to gain support and ‘been there– done that” knowledge and education on specific diseases.
Feel free to add to this list through commenting. I’d like to learn more because I will definitely pass it on to the patients (of course after trying it out myself).
Tags:CDHC, Health Insurance, VIMO, RevolutionHealth, SimoHealth, Healthcare Tools