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DELPHI CARD® Health Plan Management

Man and woman talking with consultant

For over twenty years DELPHI CARD® has been developing innovative methods of funding group health plans and offering services that enable employers to better understand and control their healthcare costs.

Three key aspects of the Delphi Program

First
Insurance coverage pays large costs while routine or small claims are paid, up to a set amount, by the participant using an HRA, HSA, FSA.

Second
Each participant has a DELPHI CARD® containing health care history and coverage that collects and updates data. The card is linked to participant’s health account for electronic payment to provider at point-of-service.

Therefore, when a participant sees a provider the provider has immediate access to patient’s treatment history, treatment provided is updated real time, and provider automatically paid at point-of-service.

Third
A Delphi counselor-advisor proactively engages and focuses on the entire group where usually 90% of the particpants account for only 10% of the health care costs. Keeping any of those 90% from becoming part of the small number of high-cost-users has a high probability for significant savings.