One of the main objectives of the Affordable Care Act was to create competition in the marketplace. Consumers now have more control over their health insurance decisions than ever before and Health Plans have had to re-think their business models to remain competitive. The article below discusses how several health plans are offering free doctor visits in an effort to encourage members to go to the doctor and hopefully catch illnesses before they become more severe and more expensive. This strategy results in a win/win for both the Health Plan and the member: Free care and healthy outcomes for the member and lower healthcare costs for the Carrier. Health Plans will have to embrace more consumer-driven strategies in order to survive in the years to come.
Health insurers in several big cities will take some pain out of doctor visits this year — the financial kind.
They’ll offer free visits to primary care doctors in their networks.
You read that right. Doctor visits without copays. Or coinsurance. And no expensive deductible to pay off first. Free.
In Atlanta, Chicago, Dallas, Miami and more than a dozen other markets, individuals seeking coverage from the insurance exchanges can choose health plans providing free doctor visits, an insurance benefit once considered unthinkable. The improvements are rolling out in a limited number of plans following reports that high copays and deductibles have discouraged many Americans who signed up for private coverage the past two years from using their new insurance under the Affordable Care Act.
Insurers say they hope encouraging visits to doctors will benefit members and their bottom lines by catching illnesses early before they become harder and more expensive to treat.
For example, prescribing antibiotics promptly to a patient with pneumonia could avoid a lengthy hospitalization costing tens of thousands of dollars. In addition, the policy could also cut down on the use of more expensive urgent care centers and emergency rooms.
Jan. 31 is the final deadline for consumers to sign up for 2016 coverage.
Two new health insurers, Harken Health, an independently operated affiliate of UnitedHealthcare, and Zoom+ are offering unlimited free primary care visits at their company-owned clinics. Harken operates in Chicago and Atlanta. Zoom+ is based in Portland, Ore.
Florida Blue, the state’s largest insurer, has health plans in Miami-Dade and nine other counties where low-income members buying plans can also get two free primary care visits per year.
California-based Molina Healthcare is offering not only free primary care visits in some plans, but also free visits to specialists in Florida, Texas and five other states.
The no-fee visits go beyond the many preventive services, such as immunizations and screenings that all insurers must provide under Obamacare without charging a copay, even when a deductible hasn’t been met.
Health policy experts say the new approach sets the insurers apart in crowded insurance markets and may attract younger, healthier people who don’t have relationships with doctors.