Due to the growing costs of healthcare in the United States, many people, individuals and families alike, are considering discounted dental and health or medical savings programs. Currently, where seven out of 10 people in the U.S. do not have a way to save money on dental care, and many are in the same situation for their healthcare needs, these programs have proven to be a valuable resource. They offer discounts for services to people who can either not afford a health or dental insurance plan or cannot get one do to health reasons and underwriting obstacles. Because these discount programs are not insurance, generally, there are no underwriting guidelines. If you have the money, you can become a member.
A member? What does that mean? To better understand these discounted programs and plans, compare them to a membership you would purchase at a wholesale membership club, such as Sam’s Club, BJ’s or Costco. It’s very simple; you sign up for a membership, and because you are a member, you gain access to tremendous discounts on dental, vision, prescriptions, chiropractic, medical, primary care physicians, lab work, hospital advocacy and many other discounts with providers all around the country. Not all discount plans are created equal and not all include all the services just mentioned, so you will want to research the plan you are considering to ensure it meets your family’s needs.
The Obama health care reform acts will help to resolve some of these problems in the future, but it won’t be perfect. It’s my opinion that it will take a very long time to enact, as well. According to CNN online, in promoting the health care agenda, President Obama has reassured us that we will be able to keep whatever health plans we currently have. But at what cost? Time will tell us how it all pans out. It’s too early in the game to truly know. In the meantime, those of us who have insufficient health or dental care due to lack of insurance coverage can save money through discounted dental and health care programs. It’s an excellent alternative to health or dental insurance.