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Issues plaguing the US Healthcare payments system

The healthcare payments industry in the US is mired by problems, despite the large scale healthcare reforms that have promised to transform the industry. The US Healthcare payments system facilitates payment among the 3 prime players in the industry: the payers (insurance companies), providers and the patients. The healthcare payments is largely affected by the healthcare reform and the percolation of the Consumer Directed healthcare (CDH).

Lets consider the typical scenario of a payments process in the healthcare industry:

A patient is typically covered by Blue cross o ...

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