This article is part of our series looking at how Black Americans navigate the healthcare system. According to ourexclusive survey, one in three Black Americans report having experienced racism while seeking medical care. In aroundtable conversation, our Medical Expert Board called for better representation among providers to help solve this widespread problem.
What Is a Medicare Advantage Plan?
We sat down with Whitaker and explored how Zing Health is changing the face of Medicare for its clients.
This interview has been edited and condensed for clarity.
Verywell Health: What was the catalyst for creating Zing Health?
As I looked at the data for African Americans, there were many health disparities present. There was a study done in 2017 that showed that African American seniors on Medicare Advantage plans are 64% more likely than White people to be readmitted to hospitals within a month of surgery.
Verywell Health: Do you think that the diverse populations that you’re serving see Medicare Advantage plans as something out of reach?
Dr. Whitaker:What we’ve found is that they don’t understand it. Medicare is complicated stuff. Our internal salespeople close the sale 90% of the time when they explain all the benefits of Medicare Advantage. But it can take up to three hours to explain everything and really get folks to understand and to trust.
That’s the difference with Zing Health. From the beginning, we have an educational sales process that really helps allay the concerns and fears of potential enrollees. And once they have enrolled, we have a culturally competent call center that understands this population. Our health services department and care managers are closely tapped in and understand the population. Eight percent of our workforce is African American or Hispanic. We can talk to people and build trust in a way that is unlike other health insurance plans.
Verywell Health: What are the three biggest social determinants of health—environmental and social factors that influence a person’s health—that Medicare doesn’t account for?
Dr. Whitaker:In my experience, transportation is a big issue for patients to get to doctors’ appointments, subspecialty appointments, or the pharmacy. One of the things we do as part of our benefit design is to try to meet the needs of transportation for our members.
Another thing that became evident, especially during the pandemic, is food insecurity. Starting January 1, in our benefit design, we started including a food card. As a company, we contribute to food pantries, but we’ve found that it was a pretty consistent need across our population.
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Some of our enrollees just call to talk to our staff on the phone. They just really want to be in touch with someone.
Verywell Health:How does Zing Health bring these initiatives to life?
Dr. Whitaker:There’s a care team responsible for every enrollee. One of the things we try to do right off the bat is to risk stratify the population so that we can understand who has more needs than others. Being able to connect them to the health system and have people go through the appropriate door instead of the emergency room is a key thing.
That care team helps us address social needs and find the resources and information they need.
Verywell Health:Where is Zing Health available and where are you expanding?
Dr. Whitaker:We are currently in 17 counties across three states: Michigan, Indiana, and Illinois. We’re looking at potentially expanding to a couple of other states in 2023, but we’re still doing background work to make sure that we are going to the places that have the demographics that we want to serve.
Verywell Health:How does Zing Health reach your target demographic?
Dr. Whitaker:We have a team of 10 internal sales agents and they are the feet in the street. They go to health fairs in the community, food pantries, they see members face to face.
It’s interesting; I mentioned trust is a big thing. We find that our internal agents have higher conversion rates than the brokers and third-party distributors. More importantly, they stick with us. There’s not a big turnover in membership, which is bad for the members and bad for the company. We want to have members that we can track over a long period of time because we think that’s when we can have the best interventions and get the health outcomes we need.
1 SourceVerywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read oureditorial processto learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.Li Y, Cen X, Cai X, Thirukumaran CP, Zhou J, Glance LG.Medicare advantage associated with more racial disparity than traditional medicare for hospital readmissions.Health Aff (Millwood). 2017;36(7):1328-1335. doi:10.1377/hlthaff.2016.1344
1 Source
Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read oureditorial processto learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.Li Y, Cen X, Cai X, Thirukumaran CP, Zhou J, Glance LG.Medicare advantage associated with more racial disparity than traditional medicare for hospital readmissions.Health Aff (Millwood). 2017;36(7):1328-1335. doi:10.1377/hlthaff.2016.1344
Verywell Health uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read oureditorial processto learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
Li Y, Cen X, Cai X, Thirukumaran CP, Zhou J, Glance LG.Medicare advantage associated with more racial disparity than traditional medicare for hospital readmissions.Health Aff (Millwood). 2017;36(7):1328-1335. doi:10.1377/hlthaff.2016.1344
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