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国际资讯基于互联网平台的金融业务

Bind:定制化按需保险创企

国际资讯基于互联网平台的金融业务

Bind:定制化按需保险创企

如今,技术进步让按需服务变成了可能,从外卖递送,到健身课程定制,再到共享汽车出行,只有你想不到,没有做不到。

那么,如果有一天你需要做一台膝盖手术,你是否想过给自己定制一份健康保险呢?

按需健康保险似乎是一种矛盾,但数字健康保险公司Bind认为,通过构建健康计划,让人们在需要时能够增加保险范围,这个将长期为企业和员工节省不少资金。

Bind成立不足两年,企业配备还不完整,目前还要使用UnitedHealth Group的供应商网络和数据分析为自保投保的雇主管理福利。

通过机器学习,Bind使用自己的专有算法,帮助用户更有效地降低医疗福利成本。目前,该公司已经获得了Ascension Ventures、Lemhi Ventures和UnitedHealthcare等多方机构的支持。

计划的核心医疗保险覆盖基本共付额和免赔额。除了根据《可负担医疗法》规定的免费预防性护理外,Bind的计划还针对初级保健和专科就诊、产科保险、医院护理、药物治疗甚至癌症治疗削减了免赔额。共同支付的价格是按比例增加的 - 从紧急护理设施的15美元到零售诊所到100美元。

大额支付成本主要用于选择性手术,如膝关节置换术或背部手术。这些程序的额外共同支付是以总成本为基础的,消费者可以预先得到程序的全部价格,后续也不会出现什么其他费用。共同支付的方式有很多种,比如工人可以通过工资来抵扣支付。

通过概述总成本,Bind表示,与传统的自付免赔计划相比,它可以帮助员工为自己和雇主节省10%至15%的费用。

据了解,Bind目前的主要客户还是小型地区企业雇主,不过公司能够在2019年争取到一个财富500强大型企业用户。

Technology has made on-demand services a reality for everything from food deliveries to gym classes and car-sharing. What if you could have on-demand health coverage for big-ticket procedures like knee surgery?

On-demand health insurance seems like an oxymoron, but digital health insurance firm Bind is betting that by structuring health plans so that people can add coverage and pay for it when they need it, companies and employees can save money in the long run.

“It’s not intuitive for people, but I think when we started this we thought, ‘how do people really use the health-care system?’ And we used it in an on-demand way,” explained Tony Miller, co-founder and CEO of Bind.

The two-year old start-up is not a full-fledged insurer, it administers benefits for self-insured employers using UnitedHealth Group’s provider networks and data analytics. Using its own proprietary algorithms, powered by machine learning, Bind discovered that it could break out certain procedures and reduce health benefit costs more effectively than with a high-deductible plan. It is backed by Ascension Ventures, Lemhi Ventures and UnitedHealthcare.

Plans are designed with basic co-pays and no deductibles for core medical coverage. In addition to free preventive care required under the Affordable Care Act, Bind's plans cut out deductibles for primary care and specialist visits, maternity coverage, hospital care, medications and even cancer treatment. Co-pays are priced on a sliding scale — from $15 for a visit to retail clinic to $100 at an urgent care facility.

The big-ticket out-of-pocket costs kick in for elective procedures, such as knee replacement or back surgery. The extra co-pay for those procedures is based on the total cost, with consumers being given the full price of the procedure up front and no surprise bills on the back end. The co-pay can be structured so the worker can pay it off through payroll deductions, like a premium.

By outlining the total costs, Bind said it helps employees generate 10 to 15 percent in savings for themselves and for their employer compared to traditional out-of-pocket deductible plans.

“A market might be $6,000 to $24,000 for knee arthroscopy,” explained Miller. “What Bind does is says (for) the $6,000 performer — you only have to pay $1,000 to have access to them. If you want to go to the $24,000 knee arthroscopy with no difference in quality, no difference in performance, you have to pay $6,000 as a consumer.”

“What happens is the consumers actually go and buy the more cost-effective provider and they save money. But more importantly, the entire pool saves money ... we save $18,000 for the group,” he said.

That was the way high-deductible plans were supposed to work, with consumers making the most cost-effective choice. Miller should know. He co-founded Definity Health in the late 1990s, which helped pioneer so-called consumer directed health plans; UnitedHealth bought that firm in 2004.

Does he worry that employers could use Bind’s on-demand plans to skimp on core benefits, and shift more costs to their workers? He does.

“What I would worry about is, taking this very novel plan design and if someone wanted to create a skinny plan out of it,” which he admitted would defeat the goal of Bind plan designs.

“Let’s make sure we fund the things we all need in health insurance and make sure that’s a part of everyone’s core benefit,” he said.

Bind has so far signed up small regional employers for its plan, but hopes to launch with a large Fortune 500 company for 2019 coverage.


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