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