On an episode of The ShiftShapers Podcast, Tom Policelli and host, David Saltzman discuss the challenges facing patients, providers, and employers today.
High-deductible health plans were designed to help employees become better healthcare consumers. But for many, they’ve created a new problem: people with insurance cards who can’t afford to use them. Out-of-pocket costs are so high that millions of people delay or avoid care altogether. This is driving worse health outcomes and higher long-term expenses.
- Four in ten insured individuals skipped necessary care last year due to cost concerns.
- A large percentage of hospitals now require at least some upfront payment before treatment.
- One in four people has an unfavorable credit score and can’t access commercial credit.
Among financially disadvantaged employees, healthcare use often mirrors Medicaid patterns, where care is delayed until it becomes an emergency. Access to care shouldn’t depend on someone’s ability to pay at the moment of need.
That’s why tools like the SuperEOB – a single, consolidated bill – paired with 0% interest financing, are critical to improving access to care and lowering medical trend. The PayMedix approach treats risk like insurance, not consumer credit, and consistently delivers results. Employers save 2–3% annually on healthcare trend, and employees access care more equitably.
Learn how PayMedix partners with innovators like XO Health and is expanding reach nationally to help plan sponsors, providers, and employees move past affordability barriers and toward better health.
Listen to The ShiftShapers Podcast wherever you get your podcasts: Apple Podcasts | Spotify | Amazon Music
