Business Insurance Dallas Tx
“What Every Employer Should Know When They Can No Longer
Offer Health Insurance Coverage“
An astounding Seventy Percent (70%) of Small Businesses in
America today do not provide health Insurance coverage for their
employees. In most cases, it’s not that they don’t want to but
because their business can no longer afford to provide such
benefits. It is simply an effort to reduce the cost of the
day-to-day business operation.
However, employers must consider if this cost reduction strategy
is helping the medium to long term growth of their companies. If
one would think about it, what is more costly? The premiums a
company has to pay for group health insurance or the cost to
lose a good employee to a competitor who offers health care
benefits? Indeed there is a higher price on the down time,
training costs, and lost sales or manufacturing. Fortunately it
no longer has to be a choice of one or the other.
One solution for high cost of Health Insurance Premiums is a
non-insurance solution. Discount Health Care Plans. This
alternative to health insurance only costs a fraction of what a
traditional group insurance policy would. More importantly, it
still meets the health care needs of a company’s employees on a
discounted basis.
These programs are not insurance but rather medical savings
programs. It’s more like having a health care advocate by which
medical bills of members are reduced before they even start.
Employees still have to pay for their healthcare, but the
employer gets the credit of giving them substantial savings on
medical, dental, vision, hearing, pharmacy and many other types
of necessary medical care. These programs can also be used to
supplement existing insurance programs with high deductibles or
policies that pay a flat fee for hospital stays or certain
conditions.
Affordable health care becomes possible through group
representation. Discount Health Care Plan providers carry enough
clout to get prices reduced down to what insurance companies
have enjoyed for years. In other words since they have enough
participating members, they have superior buying power in order
to negotiate discounts with providers of medical products and
services. Some Discount Health Care Plans have been around for
23 years. These programs combine fully insured benefits to
health care providers through group blanket policies that cover
its members.
These Plans provide affordable health care coverage to its
members by giving access to hundreds of thousands of doctors,
dentists, specialists, labs, pharmacies and hospitals throughout
the U.S. that have agreed to charge significantly reduced
pre-negotiated rates for procedures that can be done. Healthy
discounts of 30% to 70% off medical, dental, vision, hearing,
prescription and chiropractic care. For the uninsured or under
insured this often makes a world of difference in their ability
to receive needed medical care. Acceptance is guaranteed,
anybody young or old, regardless of pre-existing conditions can
participate and some even covers maternity. Several features of
discount health care plans come as an advantage. There are no
claims forms to fill-out, no limitations, no waiting periods or
pre-existing conditions, no age restrictions, and with some you
can become a member today and get healthcare treatment the day
after. That’s why testimonies of members like one below are not
uncommon.
“To date, I’ve had the opportunity to utilize the discount
health care services on numerous occasions and have always been
pleased with the savings. Last February, I had a hospital bill
that was $2900.00 and reduced to just $410.00. I had a pinched
nerve in my shoulder and went to the chiropractor. The initial
charge was $620.00, but I only paid $203.00. My chiropractic
treatments also went from $62.00 to $40.00. At the dentist, my
savings have been about 60%. My brother, who is also a member,
has prescriptions that were $574.00 and through our mail order
program are now $299.80. The best part was that it was easy to
use. All I did was call the member’s support phone number and
they took care of everything.” – Richard P., Dallas, TX
Membership fees are significantly lower than traditional health
insurance. Membership fees can be anywhere from $8 per month for
minimal benefits to $50 per month for the comprehensive
packages. Furthermore, companies get up to 20% discount on
membership fees when they enroll 25 members or more.
For employers who can no longer provide health insurance for
their staff, these discount health care plans could just be the
answer. A service that is in many ways similar, and some would
argue, better than health insurance at only a fraction of the
cost. Companies can still reduce their cost on insurance
benefits while gaining loyalty from their employees
About the Author
Abel Quitoriano is the webmaster of EZ-Entry-M
edical-Dental-Benefits.com. A free resoucrce on affordable
health care alternatives for the millions of people in
America who do not have health insurance coverage. Either they
can’t afford or they are not eligible due to pregnancy or
pre-existing conditions.
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