Thursday, August 9, 2007

What Are Discount Health Plans? Part 1

If you follow the news regularly, you hear the shocking statistic that over 48,000,000 Americans do not have any health insurance. In addition 7 out of 10 Americans do not have a dental plan. The cost of medical insurance has quite literally “gone through the roof.” The cost of insuring a family is well over $900 a month—well beyond the means of the average family to pay.

Unless you work full time for a large employer, you may find yourself among the 48,000,000 plus Americans with no health insurance. If you are self employed, lose your job, work part time, or work for a small company, you will find yourself among the uninsured. Even for those that can afford the high cost of carrying their own health insurance, insurance companies are looking for reasons not to cover an individual. If you find yourself looking for your own policy and have a chronic condition such as asthma, high blood pressure, diabetes, mental illness, or high cholesterol, you will find it difficult or even impossible to purchase health insurance. Even conditions like overweight or prescription drug use will disqualify you from a traditional policy.

Discount health and dental plans were created to help individuals, families and businesses who either could not afford or were turned down by traditional health insurance. Discount health plans enable consumers to purchase healthcare products and services at discounted rates.
Members of discount health plans typically enjoy discounts of up to 80% on all major healthcare services. Patients enjoy instant savings without the paperwork, waiting periods, or preauthorization needed for required treatment. Unlike traditional insurance, all ongoing conditions are accepted. In addition there are no limits on mental health treatment or dental visits. Deep discounts are also provided on services not normally covered by traditional insurance such as cosmetic surgery, alternative medicine, cosmetic dentistry, orthodontia, and even Lasik eye surgery.

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