We revisit the rising problem of the “functionally uninsured” and ask how to restore real access for employees who delay care because of confusion and cost. Paymedix CEO Tom Policelli shares how a super EOB, upfront provider payment, and 0% financing change behavior and bend trend.

• confusion outranking cost as the top barrier to care
• hospitals pushing prepayment and the access wall it creates
• income-tier patterns driving ER and inpatient overuse
• super EOB mechanics and single monthly reconciliation
• provider payment upfront and revenue-cycle relief
• employer savings of two to three trend points annually
• advisor positioning and retention benefits
• partnerships with EXO Health to improve network economics
• TempoPay for pharmacy access and first-dollar fills
• risk management via broad pooling and automatic eligibility
• national expansion through aligned partners and TPAs
• a third path beyond prepay or bill-and-pray collections

“Go to PayMedix.com.”

This episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com