Blupass
Blupass
Token: BLU


Bringing you instant health insurance claims using blockchain technology.

ICO dates
Start date: 2018-05-15
End date: 2018-07-15

Registrated in: USA

Platform: ERC20
Type: ERC20

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Blupass categories
Health Platform
Blupass whitepaper
Video
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Blupass token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries No
Soft cap 3000
Hard cap 30000
Tokens for sale 500,000,000
Token distribution in ICO
8.3%
8.3%
Price 1 ETH = 4000 BLU
Acceppting ETH
Blüpass is an Ethereum based token that enables multiple users to access our platform designed to better connect providers, carriers, and consumers. Our platform will put control in the consumers hands to facilitate data transfers between providers and carriers for electronic health records, claims service, policy and premium verification, and much more. We believe our blockchain technology supported with smart contracts will dramatically change the insurance and delivery of healthcare.
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Random whitepaper excerpts

Abstract
Blüpass will revolutionize access to data, healthcare, and the claims process for everyone. We
began our experience by administering benefits in a unique way. Our billing reconciliation
process, HRaspirin, eliminated headaches between HR professionals and carriers. We spent six
years in this space developing strong relationships. As good as our product was, it only solved
for one side of a broken equation. This prompted us to create Blüpass, a total solution.
Blüpass will build a blockchain fabric to connect providers, consumers, and carriers. Historically,
there are three major problems in the healthcare arena. First, healthcare providers must spend
a significant portion of their time and revenue on billing, health records, and treatment
modalities. The provider may not have a complete picture of the consumer’s financial
responsibility or health record. Second, carriers attempt to limit potential fraud through a
lengthy and manual claims process. This process can take up to 6 months in the ...

Abstract
Contents
Contents
Executive Summary
Overview of Healthcare Market
Provider
Carrier
Consumer
Discontinuity by Provider
Hospitals
Physicians
Specialty
Payment Collection
Discontinuity by Carrier
Major Medical
Eligibility
Voluntary Benefits
Fraud
Consumer Vulnerabilities
Siloed Health Records
ZERO data integration
Insufficient Data on Treatment Options
Frustrating Claims Experience
Security Risk/Identity Theft
Blockchain Solution
Secure Ledger
Innovative Health Solutions
Physicians Health Groups (PHG)
Telemedicine
EMT services
Copyright HRaspirin LLC 2017
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Data Sharing
Fraud
Carrier
Consumer
HIPAA Compliance and Security
How it all works
Consumer
Carrier
Provider
Marketplace
Blupass Platform
Multiple Smart Contracts
Integration with Other Services
BLU Tokens
Timeline
TEAM
Token
Allocation
Revenue
Contracts with Carriers
Factoring claims to providers
Sales to Consumers
Processing Fees
Token Sales
Appendix
Copyright HRaspirin LLC 2017
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Executive Summary
Unique to the ICO world is a real company with real products and solutions. Blüpass is a
product born from innovation as we have solved reconciliation headaches for over six years.
Blüpass will change everything that is deficient in the Healthcare industry and transform it into
a consumer centric, egalitarian model. For many years, carriers and providers have worked
tirelessly to reduce overhead due to fraud and problematic HIPAA Privacy and Security
regulations in regards to billing and electronic medical records, all at the detriment to the
consumer claim process and data ownership. By utilizing Blockchain technology to build our
platform, we will transform the way data flows between each simultaneously. We will solve all
three client components at once. Blüpass is a consumer driven platform that solves claims
processing delays, provider overhead, and carrier claims fraud. Insurance claim inaccuracies
alone costs patients and providers up to $600-800 billion annually. Blüpass benef...

Overview of Healthcare Market
Provider
Healthcare providers are often torn between the desire to serve their community and
maintain the finances of a tormented business model. Administrative stresses and
pressures force providers to compensate with ever rising price structures.
The United States’ multiple-payer health care system requires substantial
effort and costs for administration, with billing and insurance-related
(BIR) activities comprising a large but incompletely characterized
proportion. A number of studies have quantified BIR costs for specific
health care sectors, using micro-costing techniques. However, variation in
the types of payers, providers, and BIR activities across studies
complicates estimation of system-wide costs. Using a consistent and
comprehensive definition of BIR (including both public and private
payers, all providers, and all types of BIR activities), we synthesized and
updated available micro-costing evidence in order to estimate total and
add...

increasing the efficiency of the delivery system, which highlights the need
for administrative simplification and harmonization.
One of the biggest challenges for hospitals and medical providers today is
the average number of days that outstanding invoices remain on their
accounts receivable. The level of precision required to be paid in a timely
manner nearly exceeds the level of precision required for effective and
caring patient care. There are never enough hours in the day to fully
devote to billing and collection follow up when patient care is the first
priority.
As a solution to this problem, many providers have found that
outsourcing some or all of their revenue cycle processes gives them more
time to focus on patient care. Outsourcing can help the business to shift
its focus from peripheral activities toward work that services the
customer and it can help managers set their priorities more clearly. Early
out companies act as an extension of the provider’s business office and...

Carrier
Fraudulent healthcare claims increase the burden to society through increased
premiums and higher out of pocket expenditures. Therefore healthcare fraud detection
is now becoming more and more important. Unfortunately, healthcare fraud is not
obvious and thus difficult to detect because current detection techniques include carrier
data mining tools based on large sets of claims data versus Point of Sale systems.
However, through our platform, the following examples of healthcare fraud could be
instantaneously eliminated:

Providers billing for services not provided.

Providers administering (more) tests and treatments or providing equipment
that is not medically necessary.

Providers administering more expensive tests and equipments (up-coding).

Providers multiple-billing for services rendered.

Providers unbundling or billing separately for laboratory tests performed
together to get higher reimbursements.

Discontinuity by Provider
Hospitals
Large Medical facilities and hospital groups spend up to 10% of their budgets on
records and billing. Hospitals often fragment billing through multiple layers of doctors
groups and specialty services with their own billing and records departments.
Fragmented health records and billing frustrates consumers and leaves them vulnerable
to malpractice. It also creates inefficiencies within the hospital. All this can be
addressed through our technology multilayer of blockchain ledgers. Hospitals are
working to reduce fatalities and unnecessary injuries due to inconsistent patient data
and treatment logs. Blüpass will partner with EHR systems and develop bridges to
ensure patients and consumers enjoy integrity through integration.
Physicians
Typically local physicians spend up to 30% of their budget on billing and records
departments designed to manage patient documentation and carrier billing. Medical
practices experienced an increase in administration d...

Blupass Roadmap

1
2018 Q3

Finalize team placement.
Revamp HRaspirin to include in-app partitions for PBU qualified reimbursements.
2
2018 Q4

Release Consumer app including Bluwallet for HIPPA secure data transfers
3
2019 Q1

Announce carrier private label division Release POS system for 1.0 for clinicians Announce first participating carrier.
4
2019 Q2

Field distribution team for POS system Launch in-app sales for PBU qualified benefits
5
2019 Q3

Release POS system 2.0 including Telemedicine app integration
6
2019 Q4
Launch BluMarket for coordinating products on our platform.
Shawn Stephens
Shawn Stephens Founder & CEO

Ray Keech
Ray Keech Founder & COO

Mark Luther
Mark Luther Founder & Chief Marketing Strategist

Sandeep Chauhan
Sandeep Chauhan Chief Technology Strategist

Jason Head
Jason Head Chief Counsel

Manuela Chundrlek
Manuela Chundrlek Operations