DEFINING THE PROBLEM

How do we get someone to eat an apple rather than a donut?

Fortunately or unfortunately life revolves around one’s health.  In the bifurcated medical world, consumers feel that insurance should pay for all medical expenses and personal health is a separate lifestyle choice.

GoH me is a “Personal Health Management (PHM)” system that combines all solutions to a single platform for integration of all applications for, personal health management,  called InsurLink.  It overlays onto one’s Health Savings Account “HSA”.  It includes a baseline health score “GoH” score, personal health statistics, tracking of health activity, incentives for good behavior and payment vehicles.  All branding will be shortened and referred to as “GoH accounts”.

One of the main themes will be a health Score for baseline monitoring of health.  However there is much more value added services.  Just like our financial lives are affected by a FICO score by national credit agencies.  GoHealth.me proposes to exhibit and promote a health “GoH Score” through algorithms based on standard health measurements coupled with age groups and gender:

THE MARKET

Traditional financial institutions are facing a decision: Get swallowed up by the competition of challenger banks, or innovate their technology.

The options put in front of consumers for managing their finances are abundant, but personalization of their digital banking experience will put your institution front in center.

  • 75% of financial institutions say digital banking transformation is a top priority in 2021
  • 51% say customer experience is a top priority
    (Digital Banking Report Research)

Building the Financial Ecosystem

Users already accustomed to digital banking will seamlessly add their medical finances into FIs’ financial ecosystem, strengthening the autonomy individual users have over their personal finances.

Simple User Experience

Insurlink distills a complex process down to actionable information. Users will never miss a payment or have to spend time calling customer service.

Your Line of Credit

Simplifying the process of requesting credit removes challenges that result in faulted payments of medical bills, lessening the risk of a user being sent to collections.

How it Works

  • The user uploads EOB and Provider Statement, and applies for credit. BlueLine pulls those documents as a and runs a credit check to ensure payment.
  • Funds are then added to users’ BlueLine account and they are free to pay the specified medical bill.

Your Health Checking Account

GoH is a designated checking account for consumers to use funds specifically to their upcoming medical bills.

Internal and external funds can be easily transferred through GoH to pay medical bills that have been matched with insurance statements to ensure the consumer is paying the accurate amount at the right time.

An automatic savings feature allows GoH to act as both a checking and savings account, making it easy for users to save and pay for future expenses all in the same place.

GoHbiz is for sponsors, where an authorized Admin user can log in and monitor activity and employees’ points.