The Value Hole In Health Insurance Plan Design

Health Insurance Deductibles and Out-of-Pocket Max Unevenly Distribute the Plan Member Cost Share in a Negative Way. 

Too Much Cost is Borne Up Front and No Continued Financial Concern is Incentivized as More Claims Costs are Generated. 

As a Result, a University of Chicago poll found that 80% of Patients Delay or Avoid Care Because of Out-of-Pocket Costs and 79% Specifically Cite the Deductible as the Reason. 

Telethink Direct Care: reduce claims for the employer and out-of-pocket expenses for employees.