Word: myhealthbank
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Several start-ups, from Lumenos and Vivius to HealthMarket, HealthAllies and MyHealthBank, are busy making that argument to employers. Major California insurer Wellpoint recently rolled out its defined-contribution option to small businesses, half of which don't provide health insurance at all, and Aetna just launched its plan, dubbed HealthFund. Though only about 5% of U.S. businesses, including Medtronic, Novartis and Textron, are testing some sort of defined-contribution health plan, more than 20% think it's likely they will offer one in the next five years, according to the Kaiser Family Foundation...
Vivius lets patients construct their personal provider networks with 22 specialists, from a primary-care physician to a cardiologist. HealthAllies provides a wide selection of discounted services not typically covered, from laser surgery and acupuncture to vision care and in-vitro fertilization. MyHealthBank, which has partnered with Regence Blue Cross/Blue Shield to focus on small employers in the Northwest, hopes eventually to offer consumers a debit card to have their visits to the doctor automatically paid out of their accounts. In such a competitive market, says Harvard Business School professor Regina Herzlinger, doctors will finally offer services that consumers really...
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