YC: Requests for Startups

"ELIMINATING MIDDLEMEN IN HEALTHCARE"

I honestly am game for this even though I have zero experience in healthcare but as a consumer, where do I start how bad it is. I would do anything to change our shitty healthcare system where there are so many middlemen b/w me and my doctor.

Recent event: Went to ER because my toddler son spilled hot coffee on him (thankfully he is ok and wasn't as terrible as it could have been). There was a pediatrician on call who looked at him for like 2 mins and then left. A nurse came in and most of her questions were about "insurance details".

Then they didn't tell me what the heck was going on and after pressing, they said "we are getting stuff for him. wait". Then after almost 1.5 hours of waiting where my son is wailing, they got some bandage (I kid you not) with some Over the counter stuff (bacytracin) and applied it on the burn. Then we went home.

Bill = $2000 after Insurance coverage. Our premium for family is $1800+/month btw . Then there is the deductible. Supposedly, the insurance company only partially approved the claim. Whatever the f that means.

If you don't see a problem with this whole cycle of experience, I don't know what else to say. And no, don't tell me to get better insurance. I want to get rid of all these middlemen mafia.

Let me pitch an idea that I've long been noodling on that I think gen AI finally enables -- automated healthcare patient billing support for individuals. In essence, when you get that bill in the mail, you can fight with the hospital to decrease it, fight with your insurer to cover more of it, or not pay it and fight with a debt collector down the line. Maybe there's an alternative world where an AI agent does this for you, helping you negotiate down your medical bills and in return taking some percentage cut of the savings? There have been businesses like this before but hit some issues with 1) cost of employing humans to fight these bills, 2) customer acquisitions costs, 3) heavy churn/non-recurring customer base which goes along with 2