The Rising Cost of Health Insurance
Employee Health Insurance coverage is increasing by 20-40% each year making Insurance unaffordable for employees all across the country. With the rising cost of health insurance, small businesses and employees are being affected by higher health insurance premiums or less coverage for the same money.
Dental and Vision Insurance is typically the first benefits to go when small businesses drop 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 of the uninsured and those who have lost benefits are turning to discounted dental and health plans for big savings on monthly costs and doctor visits.
Unlike most Insurance Plans, a discount medical benefits member can choose from the many providers available and can change providers at anytime.
Ameriplan: Discount Health Companies like Ameriplan have growing networks of health care professionals and affordable dental and health programs for all. For example a dental, vision, rx and chiropractic plan is 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.
Traditionally consumers have been hesitant to use health insurance alternatives because they were afraid they would have a lack of providers to use when the truth is Ameriplan has one of the largest networks of providers in the country with over 400,000 providers in total.
Additonal benefits of discount health care programs is are no age restrictions, no limits on visits on health and dental services, all pre-existing conditions are included and patients receive huge discounts and insurance billing is eliminated for the the dental/health provider.
Small business can offer these discount health care programs to their employees without any cost to the company and no administrative burdens. Employers have the option of group billing and can deduct the plan costs from the employees check, or they can simply distribute the information and let the employees sign up for the plan on their own.
The discount programs are going to become more and more prevalent as the cost of traditional insurance plans continue to go up and the benefits they provide continues to decline. The consumer driven health plans are beneficial to those who:
- Have no insurance coverage due to cost.
- Cannot obtain insurance due to a existing condition.
- Have insurance that does not provide adequate coverage for care needed.
With over 48 million Americans being uninsured the chances are you know someone living without dental health coverage and the ability to get the health care they need.
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