Insurers are using social data (the same kind used for marketing purposes and targeted ads) to predict healthcare costs. This data may be used to raise rates or deny coverage. It may be used by companies to deny employment to people deemed a high risk of high medical bills. We really don’t know how this data is being used.
“Ghost networks” are insurers’ in-network provider directories that are full of outdated or incorrect information, and providers who no longer accept the insurance in question. A study of BCBS mental healthcare providers found that 75% of the listed providers were unreachable or unavailable. For pediatric psychiatrists, that number was 83%.