12 AI and Tech Features to Look for When Buying Health Insurance
- Comprehensive Telemedicine Services: Policyholders can compare health insurance plans that provide access to telemedicine services, which allow them to consult healthcare professionals remotely for convenient and timely medical advice.
- Health Tracking Apps and Devices Integration: Some insurance carriers offer integrations with health tracking apps and devices. This enables policyholders to monitor their health metrics and share them with healthcare providers for better medical and well-being management.
- Prescription Medication Management Tools: Many health carriers offer policies with prescription medication management tools. These features can help policyholders track their medication schedules, receive reminders, and easily refill prescriptions. For example, KindHealth AI offers prescription management features.
- Online Health Education Resources: Buyers can look for insurance plans that offer access to online health education resources or personalized healthcare information, providing valuable information on various health topics on-demand and empowering policyholders to make informed decisions about their well-being.
- Personalized Health Recommendations: Personalizing health recommendations based on AI analysis of an individual’s health data and behavior are another feature becoming more prevalent in health insurance packages. These tools can guide policyholders towards healthier choices and preventive measures.
- Virtual Health Coaching: Virtual health coaching services may be another benefit to compare when shopping for health insurance. Having access to professional guidance and support can help policyholders achieve their health goals and maintain a healthy lifestyle.
- Chronic Disease Management Tools: Some health insurance buyers choose plans that provide predictive and comprehensive chronic disease management tools. These features can assist policyholders in monitoring their condition, tracking symptoms, and managing medications effectively.
- Health Spending Transparency: From healthcare service costs projections to transparent and easy to understand information about billing, upcoming payments due, estimated prescription costs, and money spent against plan deductibles and out of pocket maximums, customers can look for health insurance providers who offer easy to use health spending management tools. This is another primary feature of KindHealth AI.
- Online Appointment Booking: Convenience is often key, and health insurance plans that offer online appointment booking features may have a leg up on competitors who don’t allow policyholders to schedule and manage their healthcare appointments as easily.
- Health Risk Assessment Tools: Proactive health risk assessment tools can help policyholders control their health outcomes. Buyers watch for features that can evaluate health risks and provide personalized recommendations for preventive measures and screenings.
- Wellness Incentives and Rewards: Insurance carriers offering wellness incentives and rewards programs can motivate policyholders to engage in healthy behaviors. Some health insurance brands provide discounts, cash rewards, or other incentives for achieving health-related goals.
- Self-Service Help: Customer service is another one of the leading factors buyers look at when choosing a health insurance carrier. AI self-service tools that quickly and efficiently answer customer questions are becoming a must-have feature for buyers across all industries, health insurance included.
Top Resources for Comparing the Health Insurance Plans
As a health insurance buyer, technology can be a great differentiator between brands, but other customer satisfaction factors may also help create peace of mind when choosing a health insurance plan. Here are a few resources to help track AI technology, reliability, and overall member experiences by carrier, state, and plan:
- The American Customer Satisfaction Index - A resource breaking out health insurance provider customer satisfaction benchmarks by insurance company, comparing tech features like quality and reliability of mobile apps next to other customer touchpoints, such as call center satisfaction.
- JD Power Annual Health Brand Study - This report breaks down insurance carrier satisfaction benchmark reporting and offers in-depth competitor analysis state-by-state and region-by-region.
- NAIC Consumer Health Insurance Hub - Content, tools and additional resources for health insurance buyers, the National Association of Insurance Commissioners offers breakdowns on health insurance basics like health insurance types and buying health insurance on your own.
- NCQA Health Plan Report Card - Look up healthcare providers to find their star rating based on a combination of plan quality and member experience scores from the National Committee for Quality Assurance.
