Lately, I've been reminded of a great video from three years ago called 'If Air Travel Worked Like Health Care'. Recently, I've had an influx of employees at my desk with stacks of bills and explanation of benefits, lamenting the injustice of out-of-network providers, their reimbursement rates and the complexity of trying to navigate the health care system in general.

There are very few issues in the U.S. health care world that are as complex as dealing with out-of-network payments. The ongoing problem is that our employees do not fully understand the cost impact of receiving out-of-network care. All of the benefit summaries, including the new Summary of Benefits and Coverage, do not adequately explain the full impact of balance billing.

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