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What are Discount Health Plans?
As anyone who has had to pay for medical health insurance recently can let you know, the price of providing medical health insurance for a family of 4 has risen tremendously over the past few decades. Many small and medium size industries can't continue to provide their workers with expensive health insurance benefits. Recently, employees have had to cover a larger percentage of these health insurance costs, and several businesses have terminated their medical health insurance benefits, altogether. Others have lessen the number of regular workers hired, so that they can save the expense of providing health insurance because of their employees.

Should you find yourself in the unfortunate position of doing work for a company that will not provide medical health insurance benefits, most likely you will either need to purchase a pricey major medical policy all on your own or do without. Because the high cost of major medical care insurance can be out of grab many, some families will choose to go without these important benefits entirely. The expense of health insurance may take a big bite out of a middle class family's budget. These families are truly caught between. They earn too much to qualify for Medicaid along with other government assistance programs, but do not earn enough to cover the high cost of medical health insurance. Even if an individual can spend the money for high price of health insurance, if a patient is suffering from a chronic illness like diabetes, raised blood pressure, asthma, high cholesterol, or heart disease, he or she can be denied coverage. Folks have even been turned down for excess weight and prescription drug use. It looks like the big insurance firms are looking for reasons not to insure people, so those individuals who require it most could find themselves without the benefits.

Fortunately, discount health plans offer families ways to save money on their health care costs. But what are discount health plans, and how do they be used to help families and businesses?

Discount health plans may be used in several various ways. For all those individuals or families that lack dental or medical 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 may also cut costs on medical costs not normally included in traditional insurance such as plastic surgery, cosmetic dentistry, dental implants, orthodontia, Lasik eye surgery, and also alternative medicine. Unlike traditional insurance you can find no limits on visits or services, no waiting periods, no age limits, and ongoing conditions are accepted.

Businesses can save money by investing in a high deductible health checking account or hospital only plan. A discount medical plan is bought along with the high deductible plan. These supplemental benefits provide savings on routine health expenditures while the catastrophic insurance offers a safety net for lengthy hospitalizations and complex care. By combining a high deductible plan with a discount health plan, companies can cut costs on their medical health insurance benefits while providing their valued employees with needed financial security.

The discount dental plan is just about the hottest discount health program. Statistics show that seven out of ten Americans do not have a dental plan. On the list of 30% that do have dental insurance, the majority are underinsured. Many dental plans usually do not provide treatment for ongoing conditions, have expenditure limits, waiting periods, and frequently don't provide for even necessary procedures such as orthodontic treatment. Cosmetic dentistry and implants are usually not covered.

Discount dental plans supply the consumer with an excellent choice for saving money on dental hygiene. These affordable dental plans are reasonably priced alternatives to expensive dental insurance policies. Savings can range from 25% for specialist treatment to 80% for exams. read more as for example fillings, root canals, dentures, crowns and bridges, and orthodontic treatment are available through plan dentists at a 50% to 60% discount--literally cutting a family's dental bill in half. Furthermore, patients with pre-existing conditions can qualify for these plans, and there are no limits on visits or services. Often these affordable dental plans offer value added services like a prescription card, discounts on eyeglasses and contacts, and savings on chiropractic treatment.

Many discount health programs also provide a basic health plan which gives savings on medical examinations and physician visits. Ancillary services such as laboratory tests, imaging studies (MRIs, CAT scans, mammograms), physical therapy, diabetic supplies, hearing aids, and mental health services are also provided at significant discounts. A 24/7 nurse line and wellness programs can also be included in an excellent discount health program. Should hospitalization become necessary, the individual will undoubtedly be assigned an advocate who'll negotiate the hospital bill and work out a payment plan in line with the patient's ability to pay. Hospital bills have already been drastically reduced through these advocacy programs. One company, AmeriPlan� USA, has even added a prescription advocacy program. This program takes advantage of patient assistance programs available through major pharmaceutical companies. Individuals with over $90 monthly of prescription expenses, who meet income eligibility requirements, may be able to receive all or most of their medications for just the cost of a little monthly service fee.

Most discount health plan companies also offer a combined medical and dental discount plan. The program combines dental, vision, prescription, and chiropractic benefits with discounts on physician visits, lab tests, ancillary services, and hospital advocacy.

When looking for a discount health plan, below are a few things to consider. Look for a company that is a member of both Consumer Health Alliance and the National Association of Dental Plans. These two organizations set strict standards for discount dental and medical programs and are your assurance of the company's integrity and reputation. Also search for a plan that offers a great choice of dentists, doctors, and other healthcare providers in your area. The company also needs to provide an 800 customer support number, a schedule of provider fees and services, and informational booklets and websites.

Helene Zemel, M.A., M.B.A. is a Regional Sales Director for AmeriPlan� USA. For more info visit: [http://www.healthplansplus.net] For a discussion on healthcare issues and alternative medicine choices visit her blog a
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