| An astounding Seventy Percent (70%) of Small | | | | hundreds of thousands of doctors, dentists, |
| Businesses in America today do not provide | | | | specialists, labs, pharmacies and hospitals |
| health Insurance coverage for their | | | | throughout the U.S. that have agreed to |
| employees. In most cases, it's not that they | | | | charge significantly reduced pre-negotiated |
| don't want to but because their business can | | | | rates for procedures that can be done. |
| no longer afford to provide such benefits. It | | | | Healthy discounts of 30% to 70% off medical, |
| is simply an effort to reduce the cost of the | | | | dental, 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 cost | | | | difference in their ability to receive needed |
| reduction strategy is helping the medium to | | | | medical care. Acceptance is guaranteed, |
| long term growth of their companies. If one | | | | anybody 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 group | | | | some even covers maternity. |
| health insurance or the cost to lose a good | | | | |
| employee to a competitor who offers health | | | | Several features of discount health care |
| care benefits? Indeed there is a higher price | | | | plans come as an advantage. There are no |
| on the down time, training costs, and lost | | | | claims forms to fill-out, no limitations, no |
| sales or manufacturing. Fortunately it no | | | | waiting periods or pre-existing conditions, |
| longer has to be a choice of one or the | | | | no 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 health | | | | testimonies of members like one below are not |
| insurance premiums is a non-insurance | | | | uncommon. |
| 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 group | | | | the discount health care services on numerous |
| insurance policy would. More importantly, it | | | | occasions and have always been pleased with |
| still meets the health care needs of a | | | | the 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 rather | | | | and went to the chiropractor. The initial |
| medical savings programs. It's more like | | | | charge was $620.00, but I only paid $203.00. |
| having a health care advocate by which | | | | My 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 pay | | | | have been about 60%. My brother, who is also |
| for their healthcare, but the employer gets | | | | a member, has prescriptions that were $574.00 |
| the credit of giving them substantial savings | | | | and 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 medical | | | | to use. All I did was call the member's |
| care. These programs can also be used to | | | | support phone number and they took care of |
| supplement existing insurance programs with | | | | everything." - 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 possible | | | | can be anywhere from $8 per month for minimal |
| through group representation. Discount Health | | | | benefits to $50 per month for the |
| Care Plan providers carry enough clout to get | | | | comprehensive packages. Furthermore, |
| prices reduced down to what insurance | | | | companies get up to 20% discount on |
| companies have enjoyed for years. In other | | | | membership fees when they enroll 25 members |
| words since they have enough participating | | | | or more. |
| members, they have superior buying power in | | | | |
| order to negotiate discounts with providers | | | | For employers who can no longer provide |
| of medical products and services. Some | | | | health insurance for their staff, these |
| Discount Health Care Plans have been around | | | | discount health care plans could just be the |
| for 23 years. These programs combine fully | | | | answer. A service that is in many ways |
| insured benefits to health care providers | | | | similar, and some would argue, better than |
| through group blanket policies that cover its | | | | health 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 care | | | | from their employees. |
| coverage to its members by giving access to | | | | |