Discount Health Insurance Plan
Investigating a discount health insurance plan can involve a good deal of research coupled with an awareness of the many scams that currently exist. The desire for quality care can be a difficult need to meet for many struggling families. Self employed individuals who do not have the assistance of an employer contribution and must find plans that it is possible can to pay for on their own. Whatever the circumstances, locating an affordable alternative to high priced health care options is a major priority in many homes. There are a number of organizations that offer discount cards that masquerade as health care coverage. Once consumers have signed on for one of these programs, these consumers might find that they are merely entitled to price breaks on care needs rather than an actual insurance policy. Since this can be such an emotional issue, many individuals are unfortunately taken in by unscrupulous organizations that end up offering very little when coverage is needed. For this reason, anyone who is in the market for a discount health insurance plan should make sure to fully understand all of the fine print of any agreement before signing on to a particular program. That is not to say that there are not providers of quality insurance products at reasonable prices. These providers do exist. But consumers should be aware of the many scams that exist as well. If a coverage plan seems too good to be true, this is most likely the case.
Programs that only provide medical discounts while seeming to offer a genuine discount health insurance plan are only one of the many rip offs that desperate consumers might fall prey too. Boasting claims of no co-pays, deductibles or pre-existing condition clauses, many plans seem on the surface to provide a viable care option. But instead, clients can end up paying a fee for a list of providers who are willing to offer services at a reduced cost. A client who believes that they are truly insured will instead find that themselves still responsible for all of their own medical bills. Even the discounts that are promised are usually not that great since the duped consumer will often find that not much in the way of medical savings has been realized. When shopping around for a discount health insurance plan, a consumer should ask pointed questions about the nature of the program. Is it a real insurance plan or merely a discount card? Are the costs and premiums of a program made clearly available? Are there any hidden fees? Will there be strict limitations on the choices of doctors, pharmacies, hospitals, or other care providers? If the company's representative is unclear or seems to be deliberately evasive, potential clients should immediately walk away. There is no room for guess work in an area as important as health care. Giving a credit card number to one of these representatives is never a good idea and could open an individual up to the possibility of credit card fraud or identity theft.
In some cases, families might need coverage only for a short period of time. This could be because of a change in jobs that results in a lapse of coverage or a period of unemployment. When this is the case, it is possible to find a short term discount health insurance plan that will fit almost any need. Even with lower cost coverage, medical expenses can be large. Patients will generally save money by using preferred care providers who are listed in a specific policy. Using preferred pharmacies and generic medications can save money as well. Some policies offer discounts to anyone who is willing to pay premiums bi-annually rather than quarterly. College students often find themselves in need of coverage during the years that these students are getting an education. A specific discount health insurance plan that will cater to the needs of students is generally available. However, there are some states that do not allow residents to purchase short term care policies. Residents who travel to other states are sometimes able to purchase coverage within states that allow it and use this coverage year round. There are also providers who value client feedback. Such companies might offer discounts and incentives to clients who are willing to fill out questionnaires or supply useful information. These and other options can help struggling consumers attain needed coverage.
Unfortunately, consumers with pre-existing conditions may find that they are particularly susceptible to scams and fraudulent claims when seeking a discount health insurance plan. These patients might find themselves paying for coverage that does not live up to original promises. The burden of acquiring coverage for preexisting conditions can add to the stress of dealing with a serious illness. The Bible talks about the comfort that believers have when turning to God for forgiveness. If we confess our sins, he is faithful and just to forgive us our sins, and to cleanse us from all unrighteousness. (1 John 1:9)
Another type of discount health insurance plan is supplemental coverage. These policies are meant to augment an existing health care plan. Some employers opt to reduce operating costs by offering catastrophic plans to employees. Such plans will usually fall far short of meeting the average person's care needs. While supplemental insurance should never be relied on exclusive of any other coverage, it can fill in the gaps and reduce medical expenses.
Discount Medical InsuranceBusinesses are scrambling to find discount medical insurance without sacrificing service and quality for their employees. And individuals who don't have an employee sponsored health plan and are not on Medicare are scrambling to find less expensive health coverage but it is a daunting challenge. In 2007, costs for employers covering one of their employees with four children were twelve thousand dollars and one person cost forty four hundred dollars. In recent years, health costs have been at or above twice the rate of inflation and an inevitable inability for employers to continue paying for coverage will arrive. At the present moment, the focus for many employers is still finding discount medical insurance without sacrificing their employees' overall health.
Finding and buy less expensive health coverage is not a lot different than buying discount car insurance. When the deductible is significantly raised and the driver agrees to less overall coverage on the policy, poof! a cheaper rate is there. And when co pays, or the amounts the patient has to pay the doctor or hospital are raised significantly, and when less services are covered like prescriptions or outpatient procedures, wallah, discount medical insurance is suddenly possible. The uphill fight that all insurers are fighting is the bloated costs of medical supplies, inefficiencies at hospitals, new technology which costs so much more and other budget busting factors. The emphasis today is on better health and part of that emphasis in on healthy eating, but Jesus reminds all of us that more important than healthy eating is a healthy relationship with God which produces kindness, love, and other godly attributes. "Do not ye yet understand, that whatsoever entereth in at the mouth goeth into the belly and is cast out into the draught? But those things which proceed out of the mouth come forth from the heart; and they defile the man." (Matthew 15:17,18)
Employees continue to look for ways to get discount medical insurance such as conducting healthy living clinics, workshops and providing healthy meals at work to teach and display more healthy lifestyles. Others have added workout rooms and equipment enabling employees to slim down and lower the company's costs for coverage. Some insurers respond to these efforts by lowering coverage costs somewhat, although with costs continually rising, the effort may be akin to swimming upstream against the current. The bottom line is that there really isn't discount medical insurance these days, only decreased benefits and higher deductibles. So if a person doesn't have any health insurance and needs coverage, where are places to go?
One of the best options for brief term coverage, perhaps while someone is looking for work is what is known as short term health coverage. There are many companies that can offer this kind of insurance for a few months and because it is a brief period, it could be considered discount medical insurance because premiums will be somewhat lower than a regular long-term policy. This kind of policy can be found online at one of the many health coverage providers that advertise their services. Short term coverage is ideal while looking for the longer term coverage one needs. But there may be some other ways to cut health care coverage needs.
If a person has enough money saved in reserve, this become a form of self-insuring by paying for many of the costs usually paid by a more conventional policy. It is the prescription and regular doctor visits that can drive up the cost of any coverage, so being able to pay for those issues oneself and getting perhaps only a major medical policy, the goal of having discount medical insurance can be realized. A person on a tight budget will have to get creative to come up with the reserve of money to handle the prescription costs and doctor visits by doing a no nonsense evaluation of his budget. A look into every nook and cranny of the budget will be needed. Perhaps selling off some rarely used items in the house or parting with once thought important possessions such as jewelry or other similar things might provide someone with enough reserve to handle this sort of self-insuring approach.
A person who is desperately looking for cut rate medical insurance is going to be a prime candidate for falling into the mistake of a too good to be true low premium health insurance plan. Some that are advertised on TV feature incredibly low monthly payments, but are not very clear on the coverage, so when the smoke clears and the numbers of revealed the actual payment on surgery and hospital stays are far below what will actually be needed to pay the bill. In other words, someone will go way in the hole financially on most advertised cut rate insurance plans that are prominently advertised on TV. Experts again advise to get a major medical insurance plan that limits the sometimes stratospheric costs of a major surgery rather than wasting money on a very attractive health care premium that does nothing but put people into an often inescapable financial hole when a major illness strikes. There is no escaping the fact that America's healthcare system is fractured severely and many of its citizens are falling between the cracks. For many, the idea of discount medical insurance through a nationalized system seems to b the answer, but a look around the world to other countries' attempts at government control of healthcare makes one shudder at the care the normal person here would begin to receive. Only the very wealthy would have the same care, and who can name one monstrous financial program that the government hasn't completely messed up?