China's signing of employment contracts pays attention to five insurances and one gold. The same is true of the United States, which is far away from the ocean. Enterprises need to pay medical insurance for their employees. In the United States, 57% of employees choose to meet their medical needs directly through the company's insurance.
Medical insurance has become a sweet burden for every company level. Medical costs have skyrocketed and there is growing momentum. In the past ten years, the cost of medical insurance projects has increased by more than 63%. What is even more frightening is that in the near future, this spending will grow at a rate three times that of the currency inflation rate. The companies face this situation, but they are also saddened by the fact that they can only try to change their methods and cut expenses. For employees, medical insurance is also an unspeakable pain. After all, personal medical expenses will grow at a rate four times faster than their salary.
An important reason for the problem of medical insurance is the lack of information. It's as if we send our employees a credit card and send it to a high-end restaurant with no price. They will order lobsters, steaks and other expensive dishes. It's not surprising, after all, we don't know the price. Many times we went to the hospital, signed this under the instructions of the medical staff, and did that. Before that, we often knew little about the service content and charges. Companies have realized that if they want to control the health care costs of their employees, they must help them reduce the number and size of their medical needs.
The file is cumbersome and cannot be understood? AI helps you understand
Everyone knows that dealing with health insurance is a painstaking task, and a large part of this is due to the cumbersome documents that are one after another. According to a questionnaire from PolicyGenius, only 4% of Americans can correctly understand the various items in insurance and know exactly what they should pay for their medical services. The advent of advanced technologies such as artificial intelligence, big data, robots, etc., will handle these issues for us.
Every year, when the new medical plan comes together, a large number of documents will arrive as scheduled. Advantages, policy guides, prescription benefits lists, doctor lists, drug lists, and even dental and vision benefit handbooks have become standard. How do you choose for a few hundred pages of documents? If you don't understand this amount of information, you may be costly.
Still entangled in seeking medical advice? AI has come to no need to slap
Prescription drugs are another virgin land reserved for AI technology. The annual prescription drug cost will usually account for about 15%-25% of your annual health insurance costs. The most frustrating thing is that in different medical plans, the price rules for prescription drugs are not the same, and your doctor does not even know what the price of the medical items she is asking you to do.
Rick Ramos remembers deeply that he went to the pharmacy to prescribe medicine and actually opened a sky-high bill of more than $1,000. After contacting the attending doctor, I found that the price of this drug substitute is only $4, which is really only four dollars.
This is not a doctor's pot. The US Food and Drug Administration allows about 7,000 kinds of drugs to be sold. However, the list of prescription drugs for each medical insurance program is different. Artificial intelligence can count thousands of data points, including those with a wide range of prescriptions, alternative treatments, generic drugs, various offers, drug prices, bulk pharmaceuticals, mail order services, and more. AI can help us seize more time benefits and provide us with more affordable recommendations, which will save us more money.
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