Consumer-Driven Health Care...AmeriPlan® - Affordable Dental Plan-Insurance Alternative

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Consumer-Driven Health Care (CDHC)
The Smart Alternative to the High Cost of Health Insurance

The Revolution ... Behind the Scenes
The cost of health care continues to climb. Fewer and fewer people can afford health insurance. However, there is hope. In the past 15 years a quiet revolution has been taking place. The idea was this; if consumers were responsible for paying for health care they would hold the course of the escalations. Meaning that consumers can largely control the price of health care like any other product or service that is consumer driven.

If you owned a fruit stand and your fruit was just as good as the guy down the street, but your charge 50% more guess where people are going to buy their produce? ... That's right, their going to the guy down the street! Same product ... less money. A simple example, but you get the point.

Something Else is Here ... Choose your Model
Two different models have come to light, one is insurance-driven and the other is consumer-driven. The insurance-driven model is called a health savings account (HSA) and has been promoted by the government hoping to use the existing health-insurance system.

HSA's give the consumer the opportunity use the account like a credit card, but strictly for health care expenses. The consumer has more control over where and how their health care dollar is spent.

The value of HSA's is that they are used independent of influence from employers, benefits personnel, HMO's, insurers, etc. The consumer uses the HSA as they see fit for medically related purposes. HSA's are attached to regular insurance plans, but with higher deductibles and lower premiums. HSA's can be rolled over and accumulated, as well as invested. They are also pretax dollars, making them very similar to an IRA account.

It's not insurance ... It's Discounted Rates.
In the case of consumer-driven health care there are provider/discount health plans. These plans allow individuals without health insurance or limited insurance to get coverage. That is, these plans are not insurance, but they cover the members for doctors, dentists, chiropractors, labs, pharmacies and even hospitals - but it's all discounted 30-50 percent. Members agree to pay for their discounted services by cash, check or credit card. There's no third party involved, no insurance claim forms, No HMO's.

HSA's and provider access/discount plans can be used together to double the value of the HSA's. CDHC is here to stay and is catching on with corporate America, small business and individuals.

America's Health Care ... Fantastic Quality ... Can you Afford It?
We have fantastic health care in the United States, so quality is not a problem. However, access to the health care remains a hurdle for the majority of Americans ... we make too much to qualify for Medicaid and not enough to afford expensive monthly premiums. In this middle group are also most of the self-employed and/or small businesses. This group of entrepreneurs typically can't afford health insurance for themselves without raising the price point of their goods and services so high that they would not be able to compete in their market place.

As you can see these business owners can't afford health insurance for themselves so you can bet with the employer's contribution to premiums averaging over $7,000 a year per person that their employees are not getting health insurance either.

Is Consumer-Driven Health Care the Answer?
That question is one you'll have to decide for yourself, but for many people the answer is a resounding "YES!" CDHC is simple for both the provider and the patient and it is vastly different from insurance in the following ways

NO Ongoing Medical Problem Exclusions
NO Waiting Periods
NO Long Term Commitments
NO Age Limits
NO Hassles ... and
NO Limits to How Many Visits or Number of Services

How Does CDHC Really Work?
As mentioned above, DOCTORS and PROVIDERS in a network ACCEPT the DISCOUNTED RATE in exchange for payment (or terms) at time of service. You (the patient) pay for the service and the provider does not have to wait for payment and/or authorization ... NO additional paperwork, NO hassles, NO middleman! Your level of health care is up to you and your doctor ... the way it should be!

AmeriPlan® is a CDHC Company ... Click Here for an overview of our plans

Ameriplan Health, Ameriplan Dental, Ameriplan USA, Ameriplan.com, consumer driven health care, CDHC

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