30 Second Insurance Tips©

Tip 77- Back To The Future

Just this week, I sold a health insurance plan that requires all participants to select a Primary Care Physician (PCP) during the initial enrollment. Remember when HMOs had similar rules?

It’s an idea with merit and, in this case, a 10% discount on premium.
Claims data reveals only about half of us have a relationship with a PCP. That means routine preventive care is often skipped. And, with the onset of an illness, we end up in an Emergency Room. This health plan aims to improve on such results.

Further, experts tell us even most chronic conditions can best be managed by a PCP. So this ‘new’ health plan also requires a PCP referral to all specialists.

It’s also worth remembering that health systems these days are promising better outcomes when all our care is delivered under one roof. That’s the integrated care model.