FMMA Member Highlight
The purpose of our member highlights is to shine a spotlight on outstanding individuals who form part of a groundbreaking network as members of the San Antonio Free Market Medical Association. For our August issue, we chose to sit down and chat with Corporate Consultant, owner, and CEO, Allison de Paoli of Altiqe Consulting .
Joining the San Antonio Free Market Medical Association
Alison de Paoli, CEO of Altiqe Consulting, joined the FMMA in fall of this year after hearing about the FMMA from Dr. Chrissy Navejar from Dominion Primary Care and Dr. Roger Moczygemba of Direct Med Clinic.
Explain your passion and how it is represented in your company.
We help employers get predictability. The happy side effects of what I do is that employees have access to higher quality care and lower out of pocket costs. I focus much more on connecting employees and employers to healthcare than I do selling health insurance."
Do you feel like you are more centered on the client themselves rather than the actual insurance?
Yes. We structure plans to help employers control their costs and help employees get access to care. One of the more ironic things about health insurance is the more access that people have to care, the less access you have to problems down the line. If I have diabetes and I go to see the doctor as I should, and I’m taking my medications as I should, and I get my teeth cleaned, and I get my eyes checked, I’m not a very expensive health plan. But if I do not go to the doctor and I do not take my medication then, one day, I can show up in the Emergency Room and will cost $40,000."
How is 2021 going to look?
For a well-managed health plan, typically that means self-insured, it should not be an issue at all. If you are not on a well-managed health plan, I have no idea. I have seen -10%, -20%, +11%, +38%, +40% it’s been all across the board. It depends, but for a well-managed health plan, it should be a non-factor. If you have somebody that had a severe case of COVID-19, that’s going to be a shock claim for you but most employees have a typical amount of shock claims every year. If someone just had to stay home, that’s not a very big health claim. If you have someone that had to stay in the hospital for a couple of days, it can be a huge expense. It all comes back to how well-managed your health plan is.
What’s the value in free market healthcare?
Providers have all built a business plan that is profitable for them that is generally reasonably priced. You have an organization of people doing free market which shows that it’s possible, it’s a matter of connecting consumers to the members of the FMMA. Sometimes it is easier said than done, but there is high-quality, affordable care all over San Antonio, but you have to hunt to find it."
Vendors are important right now.
Employers offer employee benefits. More employers are starting to understand that the health plan they created is not helpful to the average employee. If your average workforce is making $12-15/hour and your deductible is $3,500 what you’ve given them is not useful to them. They will not seek care because they're afraid of what it will cost and they can’t afford it. They’re already living paycheck to paycheck, so it’s useless.
Serving the San Antonio Community
Allison tells us about the many boards she serves on and her active involvement in community engagement.
Family Service Association is one of the oldest organizations in San Antonio. They are 119 years old! Their mission is to strengthen families from cradle to grave. They own The Neighborhood Place. They keep kids in school and make sure parents are okay. They do community engagement, and more. South Texas Blood & Tissue Center is trying to get blood donations. Now that elective surgeries have started back up, San Antonio is in DIRE need. Donating blood is safe and easy. They are setting up at AT&T Center, and on social media, you can schedule your appointment so everyone is safe and protected.”
What's the last book you read?
I read all the time; non-fiction. I actually read a fiction book called Untamed by Glennon Doyle and I highly recommend it.
About the San Antonio Free Market Medical Association
Organized in 2019, Roger Moczygemba, MD and Shankar Poncelet came together with other thought leaders in the community with the goal to lower the cost of healthcare in San Antonio through price transparency, reference-based pricing, and local connection.
The San Antonio FMMA recognizes the three pillars on which the national FMMA was founded by Jay Kempton and Dr. Keith Smith in 2014:
1. Price is not a product.
2. Value is mutually determined and requires transparent pricing and quality.
3. Cash is king, the equality of price is critical.
The FMMA connects buyers and sellers of healthcare, educating and motivating them to work together based upon a mutually beneficial relationship built on the pillars. To learn more, visit https://SanAntonioFMMA.org or contact firstname.lastname@example.org
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