Employee Health Insurance coverage is increasing by 20-40% each year making Insurance unaffordable for employees all across the country. With the high cost of health insurance, small businesses and employees are being affected by increasing health insurance costs or less coverage for the same money.
Dental and Vision Insurance is typically the first benefits to go when small businesses drop employee benefits. Many dental insurance plans have annual limits and restrictions on services available, whereas with the discount plan the member pays at the time of service and there are generally few restrictions and no annual limits on visits or services.
More on Dental Plans and Insurance: Discount Dental Plan
Millions of uninsured families and those who have lost benefits are turning to discount medical benefits 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. As an example a dental, vision, rx and chiropractic plan is less than $20 a month for the complete household. In the AmeriPlan network of providers we have many local qualified dental and health professionals that participate in the savings program. There are big savings on prescription drugs for Ameriplan members who are able to save up to 50% or more at over 56,000 participating pharmacies.
Occasionally consumers have been hesitant to use discount health care programs because they were concerned about the size of the provider base when the truth is Ameriplan has one of the largest networks of providers in the US with over 400,000 providers in total.
The other benefits of these health insurance alternatives is there are no age restrictions, no limits on visits or services, on going conditions are accepted and receive discounts and doctors can decide the best course of treatment for a patient without an insurance companies approval of coverage.
Businesses are able to cover their employees with discount dental and health programs, in many cases with no cost to the company and no insurance paperwork. A company can simply send their employee to a website where they can review the programs and sign up for the care they want right online.
These discount programs are increasing in popularity as the cost of health insurance rise and coverage provided is diminished. The discount medical benefits are beneficial to those who:
- Have no insurance coverage due to cost.
- Are unable to qualify for insurance because of pre-existing condistions.
- Have insurance that does not provide adequate coverage for care needed.
Over 48 million lives in America are uninsured or under insured. Chances are your neighbor, friend or relative is living without dental health coverage, because of the high costs involved.
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