Discount Health Insurance Solves the Epidemic of Being Uninsured
According to a recent article in USA Today, nearly 16% of the population is uninsured. Fortunately, thanks to discount health insurance options, this can now be easily remedied. The people who do not have health insurance are not poor – indeed, the uninsured come from many different income brackets and walks of life.
Most people do not realize that medical bills cause over 50% of all of the personal bankruptcies in this country. One of the biggest mistakes that an individual or family can make is not having a health insurance plan. Discount health insurance is the solution to this growing epidemic, affecting nearly 55 million Americans this year alone.
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A Popular Discount Health Insurance Option
One of the most popular discount health insurance options is an HMO plan. An HMO is a group of hospitals and doctors that agree to provide treatment at a discount to individuals that are enrolled in this type of plan. An HMO first became popular in the 1980s. In the past two decades, this has become the most widely-chosen health insurance plan in the United States.
Previously, heath insurance usually came as part of a benefits package offered by a person’s employer. Now, according to the United States Census Bureau, only 61% of Americans receive health insurance from their employers. This percentage decreases each and every year. This is why it is so important for people to shop around for discount health insurance plans.
Other Types of Discount Health Insurance Plans
Pay-for-Service – this is a type of indemnity plan that allows members to use a medical provider of their choice. The medical bill will be sent directly to the insurance company. The patient is expected to pay a deductible that ranges from $100 to $200 dollars. After this is paid, the insurance company will pay 80% for certain procedures and office visits.
Managed Care – this type of health insurance option deals with PPOs and HMOs. These two discount health insurance options make agreements with certain heath care providers, hospitals, and doctors to provide members with services at a reduced cost.
Discount health insurance options ensure that all Americans can take advantage of an affordable health insurance plan.
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