Product Differentiation

Mass customization or personalization should be a major theme with healthcare providers. Depending on an ability to pay or health profile, a set of products or classes of services should be accessible. The attributes for each class should include:

1. Deductible level
2. Co-pay level
3. In-network or out-of-network access
4. Types of resources within the network
5. Subscription fee reductions based on personal behaviors (e.g. exercise, diet, lifestyle)
6. Discounted access to health and wellness products (e.g. health club membership discount)

An ability to pay might be realized in a number of ways including:

a. Government funded programs
b. Employer funded programs
c. Self financial independence

A health profile might be defined by:

i. BMI
ii. Tabacco use
iii. Diet and exercise behaviors