@ColinMorelli@nikillinit Because at that point you are fundamentally treating two members differently - why did one member get a lower copay than the other for the same service from the same doc at the same location? Explain that to a state regulator.
@steveruizok Use Claude. Family of 5 so also have it optimize for 6 servings which will give us just the right amount of leftovers. At the end it creates a slack message sent to my wife with the recipes, book and page #, and ingredient list used for >1 recipe so we don't accidentally overuse
@steveruizok I log onto grocery store site, it adds everything to cart, verifies, activates any savings, and lets me know when ready. I do a quick review (pretty much total trust now), and then do the checkout step myself to choose delivery time. Took 3 deliveries to hone everything
@nikillinit and then they are still free to incorporate their other preferences into the equation, just with a transparent financial tradeoff. If there are other attributes the person values highly, enough to overcome paying more OOP for care, then they can with that cost+quality signal
@nikillinit The only way to accomplish that purely is probably via total cash pay, even if you are later reimbursed (a la sidecar). But for vast majority of people, I think they're fine outsourcing that cost/quality calculation to someone else, as long as perceived to be trustworthy.
@operationdanish Yeah I was a heavy user of this chart, despite the obvious potential issue with "% growth", until I read the article that effectively debunked it...
@mcuban@misterchambo Did you ever complete the research you commissioned comparing hospital costs in Canada to the US? I thought you were looking at detailed "actual" hospital financials... Was always curious if there were any meaningful insights!
@dvasishtha This is a core argument of @vkhosla for some time, and is why he thinks pcps will eventually be the highest paid specialty (with perhaps a little paraphrasing from me)
@Mike_kim714@FootJoy Would love to have a replacement for the pair of non-Footjoys that gave me a quarter sized heel blister two weeks ago ๐ฎโ๐จ will be in person in Pitt on Sunday!
@MartinShkreli You're thinking of "ASO"... Or really the most appropriate term would be TPA... ASOs just tend to be the TPA subsidiaries of the parent carrier, who wrote "administrative services only" contracts with employers.
@nealkhosla@dp_oneill 3/3 each with their own "edits" - special payer/network specific rules for how claims get submitted/formatted, and rules for what combinations of treatments can be done at one time. See current BCBS anesthesia controversy... All they were trying to do is align to Medicare rules.
@nealkhosla@dp_oneill 2/3 commercial: dozens of insurance carriers (fully insured), several dozen TPAs, each with multiple possible networks or direct contracts (different fee schedules) and possible coverage (employer 1 excludes X service, employer 2 excludes Y service).
@lexbyanyname That's awesome. There's a big one in a very high need area that shouldn't be too far from where I recall y'all living. Could be a good additional outlet if she ever needs one!
@tjparker@dp_oneill Agree w/ sentiment. I'm really saying that deductible+coins based insurance plans, HSA/FSA/HRA, 1,000 point solutions, shopping tool by CPT code, etc. all fail that test, so get rid of it all. Must be intuitive to avg American- 8th grade reading level, no HC exposure or fail