For Consumers:
Comparative pricing information for medical procedures at different providers.
Cash ~reward if choose low-cost provider.

Information about provider quality of care (e.g., patient ratings, outcome measures, volume of procedures), provided by customers of Vitals and made available to all. The more adoption, the more information.

For Consumers:
Agency. Transparency of pricing and/or cash reward.
Avoid surprise of large, unexpected bills for uncovered costs, especially with high-deductible insurance plans.

For Insurance Companies:
Costs lowered (in amounts much larger than the consumer cash rewards) when policyholders choose lower-cost providers for covered procedures. Allows for influencing consumers’ choice of lower-priced providers.

For Employers:
Influence on insurance contract pricing. Costs lowered for contracts with insurance companies when employees choose lower-cost providers.