Cigna Referral: Fill & Download for Free

When we closed Google … we then closed Facebook, Yelp, Twitter, etc. And we closed them much faster than Google.When we closed Groupon … we closed all the clones and competitors (LivingSocial and lots more, many gone today).When we closed Aetna … we then closed a ton of other leading insurers, including Cigna, UnitedHealthcare, etcWhen we closed Nasdaq … we closed NYSE, etc.

Because you simply can't handle all the business functions of being a health insurance carrier on $150M in funding (and less than 100 employees). It's a very labor intensive (and heavily regulated) business. As it should be.I was surprised to learn, however, that Oscar's founders haven't really created a new health insurance company from scratch. Rather, they've partnered with third-party providers and layered their fancy new interface on top. Oscar's hospital and doctor network, for example, is borrowed from MagnaCare, another regional insurer. Claims are processed by S&S HealthCare Strategies, a Cincinnati company that also provides Oscar's call center. For now, only escalated calls go to Oscar reps in Manhattan.This didn't sound promising. Haven't we had enough with the outsourcing snafus? But Mr. Schlosser says Oscar's technology is up to the task of knitting these pieces together. He says the company isn't cutting costs by skimping on care—if it keeps members happy and healthy, "That has a much bigger impact on the bottom line than anything else we can do."Alas, my experience playing with an Oscar test account wasn't so hot. Yes, there's a lot the company does well. The website is lovely and a breeze to navigate. The doctor search includes some nice innovations. The fonts are fantastic. But Oscar disappointed on some of the basics.I couldn't find good information on my policy's coverage for therapy and eye exams, for example, and got no response to an email requesting clarification. (I finally got a reply after reporting the incident to the company's p.r. rep.)In another experiment, I called the company for help comparing plans. After a short wait on hold, I was transferred to the sales department's voice mail system. My message was never returned. Oscar was starting to look like the world's worst boyfriend.Was this typical? I checked the Yelp reviews. One critic gave the company five stars: "Oscar rocks!" But the remaining three awarded one star, citing poor service. I managed to get ahold of one, a Chelsea researcher who asked not to be identified. She says that an Oscar service rep who promised to find her a good specialist never followed up. The website listed wrong numbers for several doctors. She has a Ph.D., but can't understand her recent statement. "I'm curious what's going on there," she says.Oscar says its 16,000 customers are largely happy: more than 40% of calls coming into the sales center, for example, are referrals from satisfied clients. And problems are solved during the first call 95% of the time. But it acknowledges room for improvement. "By pointing out these issues, customer service can improve each day," says spokesman Nick Rosen-Wachs. "Oscar knows they can always do better." [1]Basically, Oscar is a consumer-friendly web interface to some fairly antiquated business processes - especially around claims processing.All of which begs the question - what's proprietary and protectable - and can't Aetna or Cigna or Blue Cross do this as well? The answer will be do they build it - or simply buy Oscar (assuming it captures enough market share)? At least "the fonts are fantastic."=====================================[1] Metro Money: Anne Kadet on Oscar, which is attempting to chart a new direction in health care.

What medical specialties tend to have doctors that retire at the youngest ages? Would they be retiring more because they met their financial goals, or because the work was no longer pleasurable?William Michael Fenton, M.D. Medical School, University of Southern California (1979) … has posted the BEST answer in a nutshell … and I’ll add my own 2 cents.First - by using Logic + ongoing studies by the AMA and various Specialty Boards, it will always Point Towards the “Busiest Practices”, which are the top 4 Primary care Specialties (Family Practice, Internal Medicine, OB-GYN, Pediatrics), due to being the “Front Lines” in Medical Care. I would also add Emergency Room services, and Geriatrics to the list.EDIT - “Front Lines” in Medical Care, especially NOW with COVID-19 Pandemic.About 950,000 Doctors, taking care of 330 MILLION American’s + the FOREIGN Business/Corporate sector, Student’s and Visitor’s. NOTE That.The Surgical specialties (General, Cardio/Thoracic, Ortho, OB-GYN, Plastic/Cosmetic, Neuro, etc) are also very busy, as over 90% of their Patient Referrals are … FROM … Primary Care physicians. Note That.It is not UN-common for Primary Care physicians to ‘RE-train’ in a different specialty, or, to enter Bio-Medical Research, or be appointed as a CMO, or, Department chair or a Kaiser/Humana/Cigna/BCBS Administrator, etc.The 3-Letter Government Agency’s - also recruit PC Doctors, in any of the following qualified positions : Collection Management Officer, Operations Officer, Physician, Targeting Officer, Staff Operations Officer, etc, etc, to Military Analyst.Some young Millennial Doctors - are working and playing the “short game”, so when they are near their financial goals, they may fully or semi-retire, or, start a new Entrepreneurial Biz, or, decide to take a long Sabbatical, or Move on to their next Goal(s).However, in 2019 and On-wards, the most significant Global reason for an “Early Retirement” is ‘Physician Burn-Out” that is about 50% Nationally. Some people will just shrug their shoulders and say so … I’ll just go down to Urgent Care (usually staffed by Primary care doctors) or the ER”. Instead of ASKING WHY?The Doctors Burn Out Effect - has at least two main reason’s : A Composite Menu of being : [Over-regulated, Over-Scrutinized, Over-Worked, Over-Stressed, Job Performance Demands, Law suits, Loss of Control, etc.], as Dr. Fenton described, AND, a LARGER, Growing Population Base, to take care of 24/7/365. Read more below.WHY? Number of Total Physician’s in the US - about 950,000 (less then 1 Million) in ACTIVE PRACTICE. What is the Total Number of the US Population? Estimated at about 328 Million people.That’s LESS THAN 1 Million Doctors caring for over 300 Million People!So if over 450,000 of doctors are experiencing the “Burn Out Effect”; then, People we are in trouble, and to fill vacancies RIGHT Now and in the immediate FUTURE, Perhaps, facilitating more FMG’s/IMG’s to enter the US on H1B Visa’s, is one immediate and viable SOLUTION.Keep-in-Mind, that many FMG’s/IMG’s were trained in the US, already sat for the FLEX or USMLE, before returning back to their home country. Just saying …Currently in 2020, the Top National Physician Recruitment companies, if you view the list of Medical specialties, in demand, it’s Primary Care. Google Weatherby.TBC …………… There you go Neil …