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