What is one tactic you’ve used to reduce balance-billing disputes when launching a reference-based pricing plan, like pre-service navigation or provider outreach scripts? What language in your plan documents or ID cards helped most?

One tactic that worked was pre-service navigation with a plain-English provider script before care was scheduled. We coached members to call using a single line printed on the ID card: "This plan pays a reference amount based on Medicare; can you accept that rate or provide a self-pay estimate?" That language mattered because it set expectations early and shifted the conversation from surprise billing to upfront agreement. Disputes dropped because providers either confirmed acceptance in advance or members chose alternatives before services occurred Albert Richer, Founder, WhatAreTheBest.com