After hearing Clay Christensen expound on innovation of rupture, it shouldn't come as a surprise that change always comes from outside of incumbent players. While health associations are condemning their innovation to failure or framed by take no significant action, it should be noted that a winner of the Nobel Prize for peace sees an opportunity to fix a critical part of the American health care system. As would any good entrepreneur, Yunus has identified an unmet need and therefore Grameen has created an offer adapted to their target audience.
This article is a section of a longer article on Direct Primary Care (DPC), which was introduced in a previous room - Test de Rorschach Health Plan: Direct Primary Care. The following excerpt from this article briefly explains CPD if it is a new concept. Click on the previous link for additional context.
Despite its inclusion in Obamacare, Direct Primary Care (DPC, aka Concierge medicine for the Masses), it is surprising how some health insurance executives know DPC. DPC is a model to pay for primary health care outside the insurance. The person or organization paying for health care pays a monthly fee (as a gym membership) for all primary health care needs. Generally, CPD providers say they can treat 80 or more of the top 100 most common diagnoses.
Grameen America in partnership with the provider of CPD to low income Patients
Muhammad Yunus, Nobel Peace Prize, is famous for the creation of the concept of microfinance which brought thousands of poverty through the Grameen Bank. Grameen America is their American subsidiary which has already loaned 93 million $ more than 17,400 women affecting 70,000 people (each borrower is a family of four people on average). Their microfinance repayment rate is 99.4% to the United States, which is even more impressive that they have carried out internationally. Grameen partnered with common Iora health to provide primary care services to their borrowers in New York. They believe health care is a key facet of connecting people of poverty.
Plan of Grameen is initially offer services of common Iora that Grameen borrowers. After that, Grameen will extend the Common Iora services to members of their families (including children) and finally more widely. As their microfinance program, it is not designed as a charity. Instead, Grameen borrowers will pay $10 per week ($ 43 / month), which they expect will be economically viable. The borrowers, many of whom are undocumented workers, out of which address Medicaid and Obamacare so the rest of the health care system is quite happy to keep these people out of the room of emergency or even federally qualified health centers. 'Competition' of Grameen will be the ER and FQHC so they must demonstrate that level higher and dealing with the same team of health care service provides disjoint clear benefits (although often free) loads into the ER/FQHC.
This evolution will be still debunk the myth that the CPD is not applicable to the broad population. Given the extreme Net Promoter Scores Common Iora realizes (higher than Google GOOG + 1.57% or Apple AAPL + 1.56%), there is a "two-tier health system" (a common criticism of medicine focused on restraint), popular top income he is getting the short end of the stick of primary care. Doctors call compensation for defective services "hamster wheel primary care" model because it is a nightmare for the doctor and offer an optimal value for the consumer - i.e., rushed rendezvous of 7 minutes, process insurance bureaucracy charged and delays in getting to see a doctor, etc. Not unlike how mobile operators have developed of profitable offerings to serve low-income immigrant populations, Grameen hopes to prove they can do the same thing in health care. It will be interesting to watch.
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