All About Discount Health Plans Colorado
Unfortunately, the cost of purchasing health insurance has skyrocketed over the past several decades, with no sign of the cost increases slowing down – but health plans Colorado can offer an attractive alternative to conventional health insurance.
Coverage for an average family has gotten so expensive that many employers can do longer afford to provide their workers with adequate benefits. Some smaller companies have had to do away with health insurance coverage altogether, or reduce the number of workers they employ so that they can afford to provide health insurance for those employees that do remain. This means that many people who used to be able to count on their employer for comprehensive health insurance coverage can no longer do so.
Those who find themselves with inadequate or no health insurance are forced to decide whether they want to pay the high expense for medical coverage for their family or do without it altogether. The cost of many health insurance policies is so high that it is prohibitive for many people, even those middle-class families with a moderate income. These families are hit the hardest because they earn too much money to qualify for Medicaid or other government assistance, yet the astronomical price of a standard policy is just too much to afford. Furthermore, if an individual suffers a chronic condition such as high cholesterol, asthma, diabetes, or high blood pressure, he or she may be turned down for coverage altogether. Many insurance companies seem to go out of their way to deny insurance for the people who need it the most.
Discount Health Plans Colorado – A Great Alternative
Luckily, there is a way for those who find themselves in this position to get health care coverage at a lower cost. Discount health plans Colorado are available and they can help ensure people get medical care at an affordable price.
There are several different ways that discount health plans can be used. Those individuals or families who lack health or dental insurance can use the health plan as a stand-alone coverage. The discount plan allows consumers to save money on all medical and dental services, and it even enables a person to save on procedures that normally aren’t covered such as dental implants, Lasik eye surgery, cosmetic surgery, cosmetic dentistry, or alternative medicine. Additionally, when you choose a discount health plan you aren’t faced with limits on services or visits, waiting periods, or age limits, and ongoing health conditions are accepted.
Businesses can also save money by purchasing a discount health plans Colorado to go along with a high deductible health savings account or a hospital-only plan. This discount health plan serves to provide supplemental benefits for routine procedures, while the high deductible insurance plan is in place to cover any major medical care. This is a lucrative arrangement because it is allows businesses to save money on their insurance costs without sacrificing the coverage offered to employees.
One of the most popular discount health plans is the discount dental plan. The majority of Americans are without dental coverage, and when businesses look to cut costs dental plans are often the first to go. Even those who do have dental insurance often find that it doesn’t provide adequate coverage for necessary procedures, and they are faced with expenditure limits and waiting periods. Implants and cosmetic dentistry are rarely covered under the standard insurance.
Discount dental plans are ideal because they allow the consumer to save money on routine dental care. The dental health plan is reasonably priced and is often a far better option than pricey dental insurance. The savings the health plan offers ranges anywhere from 25% for specialist treatment to 80% for exams. Major dental procedures such as fillings, dentures, crowns and bridges, root canals, and orthodontics are often offered at a 50% to 60% discount. For those who don’t have dental insurance, these dental health plans offer a significant savings on necessary work. Additionally, those with pre-existing conditions can still qualify and there are often no limits or waiting periods. Many times dental plans will come with additional bonuses, such as offering savings on chiropractic treatment, discounts on eyeglasses or contact lenses, or a prescription card.
Most discount health programs provide a basic health plan that offers savings on physician visits or basic medical examinations. Additional services such as physical therapy, laboratory tests, imaging studies, diabetic supplies, mental health services, and the like are offered at deeply discounted rates. These health plans often offer a 24/7 nurse line for additional support, and wellness programs are usually included. If hospitalization is required, an advocate from the health plan will be assigned to the patient. This advocate will negotiate directly with the hospital to reduce the bill and work out a payment plan based on the patient’s ability to pay. Some health plan companies even have prescription advocacy programs which have successfully enabled people to take advantage of medical assistance programs offered by major pharmaceutical companies, and subsequently lower the cost of their monthly prescriptions.
In order to better serve their customers, many Colorado discount health plan companies offer both medical and dental plans in a combined package. These programs often offer discounts on dental work, physician visits, vision services, prescription drugs, chiropractic services, lab tests, ancillary services, and hospital advocacy.
Health Plans Colorado – A Few Things To Remember….
There are a few things to consider when looking for a discount health plan. You want to be sure that any company you find is a member of both the National Association of Dental Plans and the Consumer Health Alliance. Both of these organizations require that member companies meet a strict set of standards regarding reputation and integrity. When shopping for a plan also take a look at the plan’s doctors, dentists, and other healthcare providers. Make sure to choose one that offers a good amount of options in your area. A good company will also have a customer service number, informational booklets and website, and an upfront schedule of provider services and fees.
AmeriPlan discount health and dental plans are designed to save you money while providing the health and dental care you and your family needs. Get started now and you’ll be amazed at the level of medical and dental services and the low cost.