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An Alternative to Traditional Insurance Discount Health Benefits Plans

Author: Anitha Isaac

Statistics reveal that more than 70% of the Americans are underinsured or uninsured. It is mainly the middle class households that suffer due to no insurance. Out of them many receive health benefits from their employer. Some of them cannot afford the high cost of premiums of the traditional insurance. It is here that discount health plan helps.

Discount health benefits plans are here to provide relief to those who cannot afford the traditional insurance. Let us see the case of children who have rotting treat and have no proper dental care. Discount health benefit plans help such people. They receive discounts for the service. The other advantage of the health plan is that there are no prerequisites like the ones found in traditional insurance. The other plus is that the consumers can avail the health care needs almost immediately unlike the traditional insurance which asks you to wait for the coverage to "kick in".

Though we can see many advantages the main shortcoming of discount health plan is that the consumers have to pay for the services upfront until and unless the consumer has any other arrangement with the service provider. It has been seen in a number of cases that consumers with medical savings account or flexible spending accounts will benefit from such plans.

The plan is very beneficial for those who have discount health benefit plan and the medical insurance in combination. In some cases you can get discount up to 50 - 80% for the service provided and 80% of the remaining amount which you pay can be claimed back with the help of medical insurance.

With the growing price of medical insurance it is but natural that the consumers are availing the maximum benefits of the health plans. It is expected that by the year 2010 the traditional insurance plan will almost lose their significance and get lost.

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