| An astounding Seventy Percent (70%) of Small | | | | procedures that can be done. Healthy discounts of |
| Businesses in America today do not provide | | | | 30% to 70% off medical, dental, vision, hearing, |
| health Insurance coverage for their employees. In | | | | prescription and chiropractic care. For the |
| most cases, it's not that they don't want to but | | | | uninsured or under insured this often makes a |
| because their business can no longer afford to | | | | world of difference in their ability to receive |
| provide such benefits. It is simply an effort to | | | | needed medical care. Acceptance is guaranteed, |
| reduce the cost of the day-to-day business | | | | anybody young or old, regardless of pre-existing |
| operation.However, employers must consider if | | | | conditions can participate and some even covers |
| this cost reduction strategy is helping the medium | | | | maternity.Several features of discount health care |
| to long term growth of their companies. If one | | | | plans come as an advantage. There are no claims |
| would think about it, what is more costly? The | | | | forms to fill-out, no limitations, no waiting periods |
| premiums a company has to pay for group health | | | | or pre-existing conditions, no age restrictions, and |
| insurance or the cost to lose a good employee to | | | | with some you can become a member today and |
| a competitor who offers health care benefits? | | | | get healthcare treatment the day after. That's |
| Indeed there is a higher price on the down time, | | | | why testimonies of members like one below are |
| training costs, and lost sales or manufacturing. | | | | not uncommon."To date, I've had the opportunity |
| Fortunately it no longer has to be a choice of one | | | | to utilize the discount health care services on |
| or the other.One solution for high cost of health | | | | numerous occasions and have always been |
| insurance premiums is a non-insurance solution. | | | | pleased with the savings. Last February, I had a |
| Discount Health Care Plans. This alternative to | | | | hospital bill that was $2900.00 and reduced to just |
| health insurance only costs a fraction of what a | | | | $410.00. I had a pinched nerve in my shoulder and |
| traditional group insurance policy would. More | | | | went to the chiropractor. The initial charge was |
| importantly, it still meets the health care needs of | | | | $620.00, but I only paid $203.00. My chiropractic |
| a company's employees on a | | | | treatments also went from $62.00 to $40.00. At |
| discounted basis.These programs are not | | | | the dentist, my savings have been about 60%. |
| insurance but rather medical savings programs. It's | | | | My brother, who is also a member, has |
| more like having a health care advocate by which | | | | prescriptions that were $574.00 and through our |
| medical bills of members are reduced before they | | | | mail order program are now $299.80. The best |
| even start. Employees still have to pay for their | | | | part was that it was easy to use. All I did was call |
| healthcare, but the employer gets the credit of | | | | the member's support phone number and they |
| giving them substantial savings on medical, dental, | | | | took care of everything." - Richard P., Dallas, |
| vision, hearing, pharmacy and many other types | | | | TXMembership fees are significantly lower than |
| of necessary medical care. These programs can | | | | traditional health insurance. Membership fees can |
| also be used to supplement existing insurance | | | | be anywhere from $8 per month for minimal |
| programs with high deductibles or policies that pay | | | | benefits to $50 per month for the comprehensive |
| a flat fee for hospital stays or certain | | | | packages. Furthermore, companies get up to 20% |
| conditions.Affordable health care becomes possible | | | | discount on membership fees when they enroll 25 |
| through group representation. Discount Health | | | | members or more.For employers who can no |
| Care Plan providers carry enough clout to get | | | | longer provide health insurance for their staff, |
| prices reduced down to what insurance companies | | | | these discount health care plans could just be the |
| have enjoyed for years. In other words since | | | | answer. A service that is in many ways similar, |
| they have enough participating members, they | | | | and some would argue, better than health |
| have superior buying power in order to negotiate | | | | insurance at only a fraction of the cost. |
| discounts with providers of medical products and | | | | Companies can still reduce their cost on insurance |
| services. Some Discount Health Care Plans have | | | | benefits |
| been around for 23 years. These programs | | | | while gaining loyalty from their employees.Abel |
| combine fully insured benefits to health care | | | | Quitoriano is the webmaster of |
| providers through group blanket policies that | | | | It is a free resoucrce on affordable |
| cover its members.These Plans provide affordable | | | | health care alternatives for the millions of people |
| health care coverage to its members by giving | | | | in America who do not |
| access to hundreds of thousands of doctors, | | | | have health insurance coverage. Either they |
| dentists, specialists, labs, pharmacies and hospitals | | | | cannot afford health insurance or they |
| throughout the U.S. that have agreed to charge | | | | are not eligible due to pregnancy or pre-existing |
| significantly reduced pre-negotiated rates for | | | | conditions. |