New insurer set to join ranks as deadline nears [NJBIZ (NJ)]
|By Fitzgerald, Beth|
Freelancers gets its start amid exchanges debate
Freelancers, which hopes to get its license to sell insurance early next year, will be owned and run by its members, said CEO
"We have a mandate from the federal government to innovate," Dwyer said, and to that end, Freelancers will align itself with primary-care providers who embrace electronic records and patient-centered medical home models to elevate quality and rein in costs. A PCMH is health care model that aims to provide structured, coordinated care for patients, rather than episodic treatments for illnesses.
The startup insurer has five employees, and "over the next year, we will be hiring staff at every level - IT, marketing, underwriting," said
Freelancers will partner with QualCare, whose network of hospital and health care providers serves self-insured employers. Freelance workers and the self employed are the target market, and Dwyer said he hopes to enroll 50,000 to 60,000 members over the next few years.
"The members will be picking their primary care physicians right out of the gate," instead of being told which doctors are in their network, Catino said, and members of the same family will be able to choose different ACOs. Catino said
Last week, Christie vetoed a bill to create a state-run exchange, saying he needs more information from the federal government on how much a state-run exchange would cost. Christie could bypass
Those subsidy dollars are huge: In 2011, the
Horizon expects to hire more employees to serve exchange customers: "We will have more claims coming in and more customer service calls," Altman said. And since many will previously have been uninsured, "they will have more needs, in terms of understanding the products and navigating the health care system - and we will be prepared with the processes and the technology and the people."
Several insurers said they hope that
UnitedHealthcare has not yet decided which state exchanges it will join, owing to "the regulatory variation from state to state - and many states have not yet formalized their exchange models," said
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