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

An astounding Seventy Percent (70%) ofaccess to hundreds of thousands of
Small Businesses in America today do notdoctors, dentists, specialists, labs,
provide health Insurance coverage forpharmacies and hospitals throughout the
their employees. In most cases, it's notU.S. that have agreed to charge
that they don't want to but becausesignificantly reduced pre-negotiated
their business can no longer afford torates for procedures that can be done.
provide such benefits. It is simply anHealthy discounts of 30% to 70% off
effort to reduce the cost of themedical, dental, vision, hearing,
day-to-day business operation.prescription and chiropractic care. For
However, employers must consider if thisthe uninsured or under insured this
cost reduction strategy is helping theoften makes a world of difference in
medium to long term growth of theirtheir ability to receive needed medical
companies. If one would think about it,care. Acceptance is guaranteed, anybody
what is more costly? The premiums ayoung or old, regardless of pre-existing
company has to pay for group healthconditions can participate and some even
insurance or the cost to lose a goodcovers maternity.
employee to a competitor who offersSeveral features of discount health care
health care benefits? Indeed there is aplans come as an advantage. There are no
higher price on the down time, trainingclaims forms to fill-out, no
costs, and lost sales or manufacturing.limitations, no waiting periods or
Fortunately it no longer has to be apre-existing conditions, no age
choice of one or the other.restrictions, and with some you can
One solution for high cost of healthbecome a member today and get healthcare
insurance premiums is a non-insurancetreatment the day after. That's why
solution. Discount Health Care Plans.testimonies of members like one below
This alternative to health insuranceare not uncommon.
only costs a fraction of what a"To date, I've had the opportunity to
traditional group insurance policyutilize the discount health care
would. More importantly, it still meetsservices on numerous occasions and have
the health care needs of a company'salways been pleased with the savings.
employees on adiscounted basis.Last February, I had a hospital bill
These programs are not insurance butthat 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 advocateshoulder and went to the chiropractor.
by which medical bills of members areThe initial charge was $620.00, but I
reduced before they even start.only paid $203.00. My chiropractic
Employees still have to pay for theirtreatments also went from $62.00 to
healthcare, but the employer gets the$40.00. At the dentist, my savings have
credit of giving them substantialbeen 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. Theseprogram are now $299.80. The best part
programs can also be used to supplementwas that it was easy to use. All I did
existing insurance programs with highwas call the member's support phone
deductibles or policies that pay a flatnumber and they took care of
fee for hospital stays or certaineverything." - Richard P., Dallas, TX
conditions.Membership fees are significantly lower
Affordable health care becomes possiblethan traditional health insurance.
through group representation. DiscountMembership fees can be anywhere from $8
Health Care Plan providers carry enoughper month for minimal benefits to $50
clout to get prices reduced down to whatper month for the comprehensive
insurance companies have enjoyed forpackages. Furthermore, companies get up
years. In other words since they haveto 20% discount on membership fees when
enough participating members, they havethey enroll 25 members or more.
superior buying power in order toFor employers who can no longer provide
negotiate discounts with providers ofhealth insurance for their staff, these
medical products and services. Somediscount health care plans could just be
Discount Health Care Plans have beenthe answer. A service that is in many
around for 23 years. These programsways similar, and some would argue,
combine fully insured benefits to healthbetter than health insurance at only a
care providers through group blanketfraction of the cost. Companies can
policies that cover its members.still reduce their cost on insurance
These Plans provide affordable healthbenefitswhile gaining loyalty from their
care coverage to its members by givingemployees.



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