The challenging part for insurance companies is to provide customers better service and more products without significantly increasing costs.

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Under the requirement, most employers, including faith-affiliated hospitals and nonprofits, have to provide health insurance that includes artificial contraception, including sterilization, as a free preventive service.

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Medicare Advantage plans are privately-run and contract with the government health insurance program for the elderly to provide same benefits offered under traditional fee-for-service Medicare plus some extras like vision care, prescriptions or certain additional outpatient and wellness benefits.

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Not just by advancing insurance payments for cleanup and other initial response work, insurers can also provide enhanced customer service to expedite each of these specific customer needs if only by being impeccably responsive when inquiries as to scope of coverage are made, or clarifications on notices or extensions are sought.

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What the president did was to save money by taking the recommendations of a commission of professionals to cut unwarranted subsidies to providers and insurance companies that were not making people healthier and were not necessary to get the providers to provide the service.

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