The Cheapest Claim Is the One That Never Happens | Claims Deflection Explained

The smartest dollar in your health plan is the one that stops a claim from ever happening. Most big medical claims start small. A symptom, a sprain, a warning sign somebody ignores because the deductible makes waiting feel cheaper. That's how a small problem becomes a 6-figure one. Claims deflection flips it. Small supplemental premiums, accident, critical illness, hospital indemnity, put cash in people's hands the moment something happens. No cost barrier, so people go early, and the massive claim never forms. As I wrote in the book, a screening that costs about $1,000 can prevent a treatment that costs $200,000. The cheapest claim is the one that never happens. That's why I wrote Risk Transfer Revolution. I'm Paul H. Flowers Jr.