Health Insurance Alternative

Nutrition benefits

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Insurance AlternativeThere is definitely a need for a health insurance alternative in our country today.  Conventional health and dental insurance costs have skyrocketed to a point where the majority, (70%), of households cannot afford basic health care. This is sad in a nation that has so many freedoms, yet, the freedom of access to good health care is not within reach of many Americans.  So, many simply go without care.

Reason for an Alternative

Even military veterans who served our country so well and are now “retired” could benefit from an insurance alternative because they have to pay for health care. Though their initial contract with their respective branch of service may have stated that health care for them and their families was to be a lifelong, no cost benefit, those benefits have eroded into the social ball of red tape and changing political priorities.

Insurance Alternative

Though the annual cost for medical insurance may be relatively low for the military retiree, it still doesn’t cover some high cost items such as dental, vision, and chiropractic care. If the retiree doesn’t live close to a military health care facility, the costs of traveling to one pile up even more. For those who do not or cannot go on to further employment and are on a fixed income, these expenses can add up to crippling amounts.

Other Reasons for an Alternative

Some other reasons for an insurance alternative are seen in the civilian sector. The cost for family alternative health insurance, like COBRA, or even a Christian plan, is often so cost prohibitive that these families do without health care altogether. Individual health and even group health insurance plans are in this category. A small business group health insurance plan is not only expensive for the business owner, but oftentimes requires the employee to pay a part of the cost. An insurance alternative would be helpful for entry level or service industry employees where the required premiums are high enough that many gamble on not needing health care rather than having utility shut offs or credit degradation.

An insurance alternative could be the answer for the single mother raising one or more children on her own with a limited income, not being able to foot the bill for adequate home health care. A single mother told the story of suffering for a week with a bad toothache because she had no insurance and couldn’t get into one of the sliding fee scale facilities. After finally getting a visit to a dentist that would work with her limited income, she found the service to be substandard.

 

Outrage Appeased

Insurance Alternative

Without an alternative, one of the greatest outrages that passes notice of most Americans are those individuals who have their institutional health care canceled without warning or recourse, (often after an expensive procedure), leaving them to foot the bill on their own. This practice is on the rise by greedy insurance providers who site discrepancies or violations of the small print. If someone has been challenged with any number of catastrophic health issues, (from cancer to migraine headaches that require medications), they can have their insurance policy canceled. Those with a medical history may not even be allowed to buy a health care policy in the first place. Where does that leave them? It often puts them in the ever growing queue at bankruptcy court.

The most sensible, cost effective answer may be in public access to quality health care providers at a discounted rate. This is an answer that can benefit many who otherwise have no access to health care or to holistic health care, and would simply go without. One 15 year old company in particular, AmeriPlan, USA offers such  an insurance alternative with affordable access.

This is an alternative plan that fills in the gap that the insurance industry has created by pricing quality coverage out of the reach of most Americans. AmeriPlan offers us access to many of the best health care providers at a price that most of us can handle. As part of what is called Consumer Driven Health care, AmeriPlan is the way an alternative for heath care will be delivered in the future. But the future is now. The time has come where we must take control of our bodies and the way they are maintained.

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Many of us know others in the same situations as mentioned above. When we see a good movie, what do we do? We tell our  friends & family and anyone else we know!! The same concept applies with AmeriPlan USA. – We need to shout from the rooftops that a health insurance alternative exists and maybe a little about what it does. It is not insurance. It is transfusion alternative that we can afford to go to the doctor when we need to without worrying about what we have to skip a payment on.

 

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