The term payvider—a blend of payer and provider—emerged in the 1990s with a promise: align incentives, reduce duplication, and deliver better value in healthcare. Organizations like Kaiser Permanente and Intermountain Health showed us what’s possible when care and coverage work together. In many ways, it was a good start, but it often falls short in delivering a truly seamless, human-centered healthcare experience.

AZ Blue is raising the bar for the next generation of payviders. Why? Because despite decades of effort, stubborn problems remain. Patients still bounce from doctor to doctor, undergo duplicate tests, and wait far too long for answers. Providers are overwhelmed. Costs continue to rise. And the experience—especially during moments of fear or crisis, feel anything but human.

We

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