Reduce the costs incurred by healthcare providers in processing insurance forms by making patients more responsible. Have the provider give the patient a detailed invoice for the services provided.  The patient pays the provider and then gets reimbursed from the insurer.

Healthcare providers would have decreased costs of day-to-day operations by up to 15 percent.
Patients would have greater responsibility and more direct involvement with their healthcare.
Insurance companies would have to deal with the claims coming from patients rather than with the providers.