Some experts in the space see a big opportunity for Apple to help consumers pay their medical bills, which is a notoriously challenging process.
Apple is investing in health-technology and putting its hardware to use in doctor's offices across the country.
For Apple, the lowest-hanging fruit would be to make it easier for health care providers, including doctors, to get paid on time. And simultaneously, to help patients see and pay their bills so they can avoid a hit to their credit score. If Apple Pay were featured on iPads in every doctor's office and hospital, suggests Otto, consumers could pay their fee or a co-payment up front, which would solve part of the problem for the consumers that are able to pay. Already, Cedar's data is showing that some 5 percent of patients use Apple Pay, which represents about 10 percent of all mobile payments.
Another tricky area would be managing"prior authorization," which has a tendency to slow everything down. Prior authorization is the process by which insurance companies require that a clinical team review some medications before agreeing to cover them. This can leave doctors and their patients waiting for months before they can get approval and a payment guarantee.
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