A recent Kaiser Family Foundation survey found that nearly half of all Americans say they or someone they live with has delayed care since COVID started. The why behind this is two-fold – fear and costs. Deferred care, now more than ever, is something payers need to strategize around and prepare for. Once the floodgates of pandemic-related delayed care open, payers are going to be left to sink or swim. Sheer numbers and overdue treatment aside, they likely will find that this unexpected disruption in care has rendered previously relied-upon techniques and tools of little use in the post-COVID environment.