Telehealth makes care cheaper and easier
Insurance rules often block savings, delay care, or deny care entirely — even when people are fully insured.
Most Americans think “healthcare = insurance.”
They’re not entirely wrong. They’re also not entirely right.
The Problem We're Solving
Most Americans believe healthcare and insurance are the same thing, but insurance was only ever designed for rare, catastrophic events — hospitalizations, surgeries, emergencies, specialty care.
Meanwhile, 80% of what people actually need is basic, everyday care — primary care, urgent care, mental health, chronic care, preventive care, prescriptions, and labs.
Insurance plans often block access, delay treatment, or refuse to pay their share for these simple needs.
Fortunately, 80% of insured Americans never use hospitalization or specialty care at all. These people are the perfect candidates for telehealth.
There’s only one logical solution: care and catastrophe protection must be separated.
PHIERS does exactly that.
The 80/20 Healthcare Model: Telehealth = Everyday Care, Insurance = Catastrophic Protection
What Telehealth Actually Does
Telehealth isn’t insurance — it’s direct care.
It covers the services people use constantly:
- Primary care
- Urgent care
- Mental health
- Chronic disease management
- Prescription refills
- Preventive care
- Basic labs
- Care navigation
- Remote counseling
Telehealth delivers 80% of healthcare at a fraction of the cost — roughly 1/14th.
No claims. No networks. No middlemen. No billing codes. No prior authorization.
Just care.
What Insurance Is Actually For
Insurance is a financial product, not a care system.
It exists to protect people from:
- Hospitalizations
- Surgeries
- Emergency trauma
- Long‑term rehab
- Expensive imaging
- Catastrophic events
These events are rare — but extremely costly.
Insurance is the backstop, not the front door.
Why America Needs Both
When telehealth handles the 80%:
- ✓ ER visits drop
- ✓ Hospital readmissions drop
- ✓ Claims drop
- ✓ Premiums drop
- ✓ Medicaid costs drop
- ✓ Medicare costs drop
- ✓ ACA subsidies drop
- ✓ Private insurance stabilizes
This is the PHIERS Savings Cascade.
Telehealth shrinks the cost of the system, and insurance protects against the worst events.
Together, they create a system that is:
- Affordable — 80% cost reduction + cascading savings
- Scalable — Works for 234 million Americans
- Defensible — Market‑based, not government‑mandated
- Universal — Accessible to everyone
The Key Insight
Telehealth is care. Insurance is protection. PHIERS is the system that finally combines them.
Once you separate care from catastrophe, the math becomes simple — and universal coverage becomes possible.