What are Discount Health Plans?
As anyone who has had to pay for health insurance recently can tell you, the cost of providing health insurance for a family of 4 has risen tremendously over the past few decades. Many small and medium size industries can no longer continue to provide their workers with expensive health insurance benefits. In recent years, employees have had to pay a larger percentage of their health insurance costs, and many businesses have terminated their health insurance benefits, altogether. Other companies have cut down on the number of full time workers hired, so that they can save the cost of providing health insurance for their employees.
Should you find yourself in the unfortunate position of working for a company that does not provide health insurance benefits, most likely you will either have to purchase an expensive major medical policy on your own or do without. Because the high cost of major medical insurance can be out of reach for many, some families will choose to go without these important benefits entirely. The cost of health insurance can take a big bite out of a middle income family’s budget. These families are truly caught between. They earn too much to qualify for Medicaid and other government assistance programs, but do not earn enough to afford the high cost of health insurance. Even if an individual can afford the high price of health insurance, if a patient suffers from a Plano de Saúde Bradesco chronic illness like diabetes, high blood pressure, asthma, high cholesterol, or heart disease, he or she can be denied coverage. People have even been turned down for excess weight and prescription drug use. It seems like the big insurance companies are looking for reasons not to insure people, so those individuals who need it most may find themselves without any benefits.
Fortunately, discount health plans offer families a way to save money on their health care costs. But what are discount health plans, and how can they be used to help families and businesses?
Discount health plans can be used in several different ways. For those individuals or families that lack dental or health insurance, discount medical plans can be used as stand alone health programs. These discount plans provide needed savings on all medical and dental services. Consumers can even save money on medical costs not normally covered by traditional insurance such as cosmetic surgery, cosmetic dentistry, dental implants, orthodontia, Lasik eye surgery, and even alternative medicine. Unlike traditional insurance there are no limits on visits or services, no waiting periods, no age limits, and ongoing conditions are accepted.