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What Every Employer Should Know When They Can No Longer Offer Health Insurance Coverage

An astounding Seventy Percent (70%) of Smallhundreds of thousands of doctors, dentists,
Businesses in America today do not providespecialists, labs, pharmacies and hospitals
health Insurance coverage for theirthroughout the U.S. that have agreed to
employees. In most cases, it's not that theycharge significantly reduced pre-negotiated
don't want to but because their business canrates for procedures that can be done.
no longer afford to provide such benefits. ItHealthy discounts of 30% to 70% off medical,
is simply an effort to reduce the cost of thedental, vision, hearing, prescription and
day-to-day  business  operation.chiropractic care. For the uninsured or under
insured this often makes a world of
However, employers must consider if this costdifference in their ability to receive needed
reduction strategy is helping the medium tomedical care. Acceptance is guaranteed,
long term growth of their companies. If oneanybody young or old, regardless of
would think about it, what is more costly?pre-existing conditions can participate and
The premiums a company has to pay for groupsome  even  covers  maternity.
health insurance or the cost to lose a good
employee to a competitor who offers healthSeveral features of discount health care
care benefits? Indeed there is a higher priceplans come as an advantage. There are no
on the down time, training costs, and lostclaims forms to fill-out, no limitations, no
sales or manufacturing. Fortunately it nowaiting periods or pre-existing conditions,
longer has to be a choice of one or theno age restrictions, and with some you can
other.become a member today and get healthcare
treatment the day after. That's why
One solution for high cost of healthtestimonies of members like one below are not
insurance premiums is a non-insuranceuncommon.
solution. Discount Health Care Plans. This
alternative to health insurance only costs a"To date, I've had the opportunity to utilize
fraction of what a traditional groupthe discount health care services on numerous
insurance policy would. More importantly, itoccasions and have always been pleased with
still meets the health care needs of athe savings. Last February, I had a hospital
company's  employees  on  adiscounted  basis.bill that was $2900.00 and reduced to just
$410.00. I had a pinched nerve in my shoulder
These programs are not insurance but ratherand went to the chiropractor. The initial
medical savings programs. It's more likecharge was $620.00, but I only paid $203.00.
having a health care advocate by whichMy chiropractic treatments also went from
medical bills of members are reduced before$62.00 to $40.00. At the dentist, my savings
they even start. Employees still have to payhave been about 60%. My brother, who is also
for their healthcare, but the employer getsa member, has prescriptions that were $574.00
the credit of giving them substantial savingsand through our mail order program are now
on medical, dental, vision, hearing, pharmacy$299.80. The best part was that it was easy
and many other types of necessary medicalto use. All I did was call the member's
care. These programs can also be used tosupport phone number and they took care of
supplement existing insurance programs witheverything."  -  Richard  P.,  Dallas,  TX
high deductibles or policies that pay a flat
fee for hospital stays or certain conditions.Membership fees are significantly lower than
traditional health insurance. Membership fees
Affordable health care becomes possiblecan be anywhere from $8 per month for minimal
through group representation. Discount Healthbenefits to $50 per month for the
Care Plan providers carry enough clout to getcomprehensive packages. Furthermore,
prices reduced down to what insurancecompanies get up to 20% discount on
companies have enjoyed for years. In othermembership fees when they enroll 25 members
words since they have enough participatingor  more.
members, they have superior buying power in
order to negotiate discounts with providersFor employers who can no longer provide
of medical products and services. Somehealth insurance for their staff, these
Discount Health Care Plans have been arounddiscount health care plans could just be the
for 23 years. These programs combine fullyanswer. A service that is in many ways
insured benefits to health care providerssimilar, and some would argue, better than
through group blanket policies that cover itshealth insurance at only a fraction of the
members.cost. Companies can still reduce their cost
on insurance benefitswhile gaining loyalty
These Plans provide affordable health carefrom their employees.
coverage to its members by giving access to



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