Insurance functions this way as an acceptable default model because no one is challenging the status quo. I fully understand the business side - needing to ensure claims are not over-paid or unnecessary, but they operate from an intentionally adversarial position to the customer. Not as an advocate. What does it take to start a new healthcare plan/insurance carrier that completely throws the current insurance business model out the window and shifts focus to providing simplicity, transparency, and value to the consumer? That new business model could dominate the market.
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RE: Tell us the worst parts about Healthcare. Give us a brief summary. Share your solution.