Price transparency tells members a number. A lock make it hold
Four ways members get a price before care, and what each one commits to
Transparency in Coverage explainer
Plan cost estimators: required for 500 shoppable services since 2023 and for all covered services since 2024; a number that binds no one.
Copay-only plan designs: a set price, if the employer adopts a different plan.
Bundled-price programs: a fixed price, at a curated carve-out network for selected procedures.
Hi Neo’s Patent-Pending lock: the member’s own out-of-pocket cost under the plan they already have, held through adjudication while the lock is valid
Why a lock matters
A cost estimate tells a member what their care might cost. A lock is what makes that number hold. On planned, in-network care, a member can choose an in-network hospital and surgeon, schedule ahead, and still get a bill that doesn’t match what they were quoted, because nothing ties the estimate to the claim. Each gap like that can start a chain of contacts: the call before care, the call back to double-check, the call about the surprise bill, and sometimes an appeal. A lock closes the gap. It fixes the member’s out-of-pocket cost under the benefit design the plan already has, then holds it through adjudication.
Where does Hi Neo come in?
Hi Neo sits between the moment a member’s cost is quoted and the moment the claim is paid. Our patent-pending lock turns the estimate a member sees into a locked commitment the plan holds through adjudication. The plan keeps its benefit design, its network and its claims system.
