Sabrina is in a unique situation when it comes to navigating both ordinary and challenging health care situations and choices: as a benefits specialist for OnPulse, she sees things from her own perspective; however, she also has great understanding and empathy for the individuals and families with whom she comes in contact.
“I help people proactively on the front end and on the back end; I love the front end,” Sabrina states. She is equally adept regardless of when she enters a health care situation, but by working with patients early in the benefits process, she can make a tremendous difference for people. If an individual works with Sabrina during the moment plans and benefits are being selected, she asks questions (and then more questions) in order to precisely understand the situation. “Everybody is in a different place,” she says, and therefore everyone needs their own sort of help.
The OnPulse suite of services is clearly invaluable in difficult cases, but accordingly to Sabrina, “People who think they don’t need OnPulse really could use OnPulse.” The so-called normal individual or family could potentially see great savings by scrutinizing choices and getting in the right package of benefits. The obvious demographic information (health status, age, gender, income, and job) is important, but other factors can be significant as well.
Sabrina goes on to recount a comical story about a girl who has her own health insurance plan (separate from the rest of her family) and the way in which she is received at a doctor’s office: “One of the receptionists asked, ‘Can she do that?’ Of course. Your family does not have to be on one plan.” The point is that someone should really be walking you through the process to leave no stone unturned.
According to Sabrina, “Everyone thinks they need a great fancy package.” In most cases, they would save money over time by choosing a plan with a higher deductible. “It is scary at first, but they listen eventually,” she says.
But what if you have already made choices and Sabrina enters midstream. Can she still provide assistance? “I have helped everybody who I have worked with,” she states. And she then adds: “People hit a point where something has to give. I track frustration back to the core issue.” Then she develops solutions to problems from there.
“The bottom line is that people are paying a lot more than they need to be. It’s a lot like doing your taxes,” Sabrina says. The thought is that navigating the massive tax code in a set of individual circumstances is often overwhelming, so people get help—and save time, effort, and money. The same could be said for navigating the massive health care system, again, in a set of individual circumstances. And the solution should be the same as well: get professional preparation and guidance.
When asked about who else beyond patients could benefit from OnPulse, Sabrina enthusiastically states: “Providers. If we could only get this information in front of providers. We streamline and act as a go between patients and insurers. We could help them save money in terms of tests, waste, and more.” And she would like leaders in Human Resources to hear about OnPulse as well. “They are not trained for insurance, so they could benefit from education and explanations of things,” she concludes; Sabrina then adds, “Knowledge is everything.”