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“Florida, Texas have highest rate of uninsured children” read the headline in the March 17, 2007 Ft. Lauderdale Sun-Sentinel. The article pointed to the fact that many parents in the lower income brackets choose to put food on the table and a roof over the heads of their family rather than purchase health insurance. In fact only 47% of parents who earn less than $40,000 a year even have the option of purchasing health insurance from their employers. These parents are experiencing either a dramatic reduction in employee benefits or have never been offered employee benefits by their employers. At the same time the US census shows that two parent families are no longer the norm, as that family grouping became a minority in Florida this year. Single parent homes are becoming more and more prevalent. In a single parent home with only one income, the chances of having both the availability of health insurance and the ability to take time away from work to take the child to get the necessary medical care is very rare. The downside of this trend is the lack of options when a child becomes sick. If they become sick enough the parents can take them to the emergency room, but that is the most expensive kind of treatment in dollars and in time. As these trends continue to accelerate, there will be fewer and fewer children who have access to preventative health care services that could discover and treat health problems before they become a permanent and unalterable fact of life. One of the bright spots on the health care horizon is the Consumer Driven Health Care movement. This term defines a number of dental and health care programs that offer individuals the same kind of mass discount buying power that Sam’s Club and Costco offer the everyday consumer. By joining a Discount Fee for Services organization the consumer reaps substantial discounts on dental and medical services without having to deal with lengthy delays before the discount becomes effective. With a discount program there are no denials because of conditions you already have diagnosed. You can get substantial discounts (up to 50%) on dental braces for children and adults. You can get substantial discounts on prescriptions (25-80%) from chain pharmacies like CVS, Walgreens, Wal-Mart and Target. You can also get substantial discounts on glasses (up to 60%) and contacts (up to 40%) through national chains like LensCrafters, JC Penney, Sears and Pearle Vision. These groups are not insurance, they are a discount buying group. There is no paperwork to fill out when you use the card. Just locate a provider, show the card and pay the discounted price for the services. The providers like these customers because they get paid for their services immediately rather than having to wait 120 days for an insurance claim to be processed. The consumer gets access to top notch treatment and gets a discount for the services they need at a much lower cost. One of the best features of these plans is the low cost. After a one time registration fee of $30 the Plans for individuals start at $11.95 monthly for dental, vision, prescription, and chiropractic care or $19.95 for an entire household. Medical plans, which include the dental, vision, prescription and chiropractic care, start from $49.95 monthly for individuals or $59.95 for an entire household, whether they are related or not.
Article Source: http://www.seo-writing.com/free-reprint-articles
Bob Dickinson, a pastor for 26 years, has seen the need for affordable medical and dental plans in the south Florida area where he served. For more information on these plans go to www.cutmydentalcosts.com or www.cutmymedicalcosts.com.
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