Health Insurance REform Needed

Healthcare Crisis Update: Health Insurance Reform Needed. LowerMyDoctorbills.com Proposes to Change the Way America Buys Healthcare!



Health insurance premiums continue to rise and are becoming unaffordable for many American working families. We've moved away from the original concept of insurance in dealing with healthcare. Spreading the risk among many for large claims makes sense, but paying additional premiums to cover expenses you know you will incur doesn't. Perhaps a new approach to health insurance is needed.

(PRWEB) October 11, 2004 -- Let’s compare other areas where insurance plays a major role. You purchase auto insurance to protect yourself and others as mandated by state laws. But, you also protect your car from damage due to accidents and theft. What would happen to your auto insurance premiums if your policy included the cost of a weekly carwash, annual detailing and monthly oil changes? That’s what we’ve done with health insurance. Homeowners insurance is another example. Home maintenance costs are not built into the cost of insuring the home against damage. Is there any wonder our idea of health insurance isn’t working today? Accidents and illnesses do happen and having health insurance coverage makes handling the situation easier. However, check ups, dental cleanings, vision and hearing exams and chiropractic care are basic maintenance benefits that are best purchased separate from a health insurance plan. Gail Lynn Moore, owner of www.LowerMyDoctorBills.com advises, “Consumers need to be open to some alternative benefit options when designing a healthcare plan. I recommend that if clients need to buy a high deductible plan to keep the premiums affordable, they should consider adding a discount benefit card to replace a lot of the maintenance benefits that the high deductible negates.” As a licensed insurance agent in California, Moore has access to a number of discount plans, but only recommends one. “I became a Marketing Associate with International Associate of Businesses (IAB) because, while the plans themselves are not insurance, they offer members the best “insured benefits” on the market. They are more than just discount cards.”When asked to clarify, she explained that membership to the association gave access to benefits such as a $2000 accidental medical benefit, a $1000/day ICU/CCU benefit, a $25 benefit toward doctor visits and $1000 annual dental benefit per family member. These insured benefits are available to everyone regardless of any pre-existing health conditions. A Care Advocacy Program (CAP) assists in getting the lowest possible costs for hospital services. Coupled with large nationwide PPO networks, these benefits give members the greatest savings possible. Additional health care and supplies, including prescriptions, vision and hearing aids are made available at deep discounts. Moore cautions "Check out the organization offering the benefits. IAB has been around since 1982 and is committed to addressing issues and concerns of the American family." Also, "Make sure the discount plan has providers in your area. Many plans limit your selection. The IAB plans have the same PPO networks offered by many national insurance companies.” She concludes, “While the healthcare crisis continues to affect more and more Americans every day, consumers have to be made aware of alternative healthcare planning options. And, www.LowerMyDoctorBills.com is leading the way in changing the way America buys healthcare.”