to accelerate expansion of its fully-insured offering to over 30 states by the end of 2021. For context, the startup began by providing its self-funded Administrative Services Only health plans to employers like Best Buy and Medtronic—and quickly grew to 100,000 members. It operates under UnitedHealthcare's network , which gives members access to in-network UHC providers.
Bind's goal is to rebuild health insurance to make it more intuitive and affordable. It touts $0 deductibles, zero co-insurance, and in-app tools to see what's covered in a doctors' visit before making an appointment, and the option to tack on coverage for non-urgent treatments throughout the year when needed. And that model seems to be paying off: Bind says its business grew And it isn't the only insurtech boasting low-cost health insurance as a way to lure enrollees.
Affordable care options like these could incentivize consumers who are delaying care to visit their doctor, which should generate savings for employers—Bind's target customers. More US individuals are delaying care during the pandemic, which could leave new conditions undiagnosed and drive adverse health outcomes in the long run.
Unlike traditional health insurance plans, low-cost ones like Bind's don't require a patient to pay their way through a deductible before their coverage goes into effect. Patients have to pay additional "add-in" fees for certain plannable procedures, which can fluctuate depending on the procedure or provider: For example, a lumbar spine fusion can vary from $5,000 to $10,000,
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