In a BenefitsPRO Broker Expo panel discussion, industry leaders offered their perspective on how direct primary care and reference-based pricing can work together to deliver a cost-effective benefit plan.

The commercial insurance blog Embroker aptly points out that "not all top startups have a Bay Area budget."

"Stop looking for the evidence of whether or not you are good enough and just go," Molly Bloom says.

Conflicts arise when insurers send checks to pay for out-of-network medical services to patients rather than reimbursing a medical provider directly.