Health Care Benefits

Written by Sarah Provost
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Each year, there are approximately one million Americans added to the rolls of the uninsured. Due to the spiraling cost of health care, small businesses can no longer afford to offer health insurance to their employees. Even the largest corporations are cutting back on benefits and asking employees to contribute more. If you suddenly find yourself with no insurance or unable to afford your company's insurance, what can you do to be sure you are adequately protected?

Alternative Ways to Obtain Health Care Benefits

One method of ensuring health care benefits that has been growing in popularity is membership in a discount medical plan. When you sign up with a plan, you become entitled to services by approved providers at a discount of up to 50 percent. These discounts are negotiated by the plan administrator, and can vary widely according to the provider and the procedure.

The "pay-as-you-go" plans charge an annual fee, but it is much lower than the premium you would be paying for insurance. The average user will save more in discounts than they spend on fees. You are limited to participating practitioners.

One of the best things about discount health care plans is that they are open to everyone, regardless of age, income or preexisting conditions. Since these plans are not insurance, they pay nothing to the practitioners. Therefore they aren't taking the risks that insurance companies take in return for their higher premiums. It's a good idea to have at least limited insurance in addition to your discount plan, in case of catastrophic illness or major accident.


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