Health insurance premiums are rising at a rate of 20-40% annually and even people with workplace provided options simply cannot afford the cost of monthly premiums. Small business feels the crunch the hardest because they simply cannot absorb much of the cost leaving employees with outrageous payroll deductions for health insurance and dental insurance.
Dental and Vision Insurance is typically the first benefits to go when employers cut back on employee benefits. Most conventional dental insurance policies are severely lacking in coverage for procedures needed the most and the up front out of pocket expenses are generally what most Americans spend annually on dental care.
More on Dental Plans and Insurance: Discount Dental Plan
Millions are dropping their health care insurance policies and switching to consumer driven health plans that provide a much needed break on monthly premiums and offer deeply discounted care.
These discount health care programs work very similar to conventional insurance because you choose from network health providers and present your member card at the time of care to receive discounts.
Ameriplan: Companies like Ameriplan have large provider networks and combine benefits in one affordable package. As an example you can get a dental, vision, prescription & chiropractic program for less than $20 a month for the everyone in the family. In the AmeriPlan network of providers we have many local qualified dental and health professionals that participate in the savings program. On the prescription plan, places like WalMart, Target, KMart, CVS, RiteAid, Walgreens accept the Ameriplan RX Card where members can save up to 50% on prescriptions.
Occasionally people have been hesitant to use discounted dental and health plans because they were concerned about the size of the provider base when the truth is Ameriplan has one of the largest networks of providers in the US with over 400,000 providers in total.
The other benefits of these discount medical benefits is there are no age restrictions, no limits on visits or services, on going conditions are accepted and receive discounts and doctors can decide the best course of treatment for a patient without an insurance companies approval of coverage.
Small business can offer these discount programs to their employees without any cost to the company and no administrative burdens. A company can simply send their employee to a website where they can review the programs and sign up for the care they want right online.
The discount programs are becoming more prevalent as the cost of conventional insurance plans continue to go up and the coverage they provide continues to decline. The discount health care programs are beneficial to those who:
- Have no insurance coverage due to cost.
- Cannot obtain insurance due to a existing condition.
- Have inadequate insurance coverage.
With over 48 million Americans being uninsured the chances are just about everyone knows someone living without health coverage and the ability to get the health care they need.
|
Getting the info or receiving discount benefits is simple? Get a Cheap Health Insurance Quote |