Wednesday, March 21, 2007

Where is the Money going?

From a survey conducted in 2003, take a look at these results, you will definately be shocked. I am looking to find a more recent study, either way, it won't show any improvement.

There are some of us who think that the doctors must be the one's cashing in, right? Not even close.

Some "horror" stories related to...Greed & HMO's

A 32 year old woman, married with 3 children came down with breast cancer and her HMO denied her care that cost $150,000.00 which the HMO was obligated to pay for. This resulted in a delay of 6 months while her family and friends raised the money so she could go to another medical center to have the treatment. She later died and it was found out that the medical director of the HMO, who had no expertise in breast disease or cancer and was not a practicing physician, was being given bonus pay at the end of the year based on how much the HMO was profiting. It also came out that employees of the same HMO who had the same breast cancer received the treatment and payment from the HMO.

A young man with serious psychiatric problems was admitted to a psychiatric hospital. Later the insurance company put pressure on his psychiatrist to discharge this unstable gentleman early, who later committed suicide. The physician reviewer for the insurance company who put the pressure on the psychiatrist was a physician student in neurology.

A young man who had bills of over $25,000.00 for medical care at a medical institution was told his insurance company would only pay $6,500.00, because the insurance company on its own felt the rest of the care was not medically appropriate. The family sued and the court found that the insurance company was making up its own standard of medical care and not relying on objective nationally acceptable medical standards in making its decisions.
A hospital was fined millions of dollars when a family sued because their family member was discharged too early from the hospital. The court found out that when the hospital discovered that the person's medical insurance was running out it pressured the patient's physician to discharge the patient early.

A patient who had HMO medical plan did not receive the proper cancer treatment from the patient's cancer doctor, because the University Medical Center pressured the doctor not to do so. The medical center was allegedly getting pressure from the patient's big HMO that it did not want to pay for the treatment and threatened the hospital that if it allowed the treatment, the company would transfer all patients under their plan to another hospital.

A young man died of an acute heart attack after a nurse on an HMO telephone "help line" refused his wife's request to take him to the nearest emergency room.


Follow the Money

A look at where your money is going when you pay the high rates to insurance.

Healthcare Timeline

I found an interesting look at how health care has changed over the years.

Tuesday, March 20, 2007

"I Thought I was Dead and Gone." the Scott Miller story

If it hadn't been for Ameriplan Health, Scott Miller and his family would have had to consider bankruptcy in order to pay for the time he spent in the ICU following a massive heart attack. Read his story below.

Sunday, March 18, 2007

Understanding the value in Discount Heath Plans

"Only if I would have known sooner..."

Sound familiar? With all the ads we see everyday, from every angle, how do we pick the one's that may be beneficial to us? We say, "if I've seen it once, I've seen it a million times." Right? Well that is what I used to think too.

It is hard to see the value in something when it costs so little. Yet, no one that I have ever met likes to spend much money if they don't have to either. Right?

The reason I'm telling you this is because I have heard time and time again from my customers, that if they would have known just how great our plan was that they would have signed on a long time ago.

Health care is on the rise at such drastic rates that it is getting harder and harder for average, everyday people to afford health insurance. People tend to go without and pray that nothing terrible happens. They also go without treatment, later to find out that it has progressed into something much worse. It is important for everyone to take the time and research every option available to them in regards to their health coverage.

We offer discount plans that range in price of $11.95/mo-$59.95/mo.

Discount health plans allow individuals without health insurance or limited insurance to get coverage at greatly reduced rates. Members agree to pay for their services by cash, check or credit card at the time service is rendered. There is no third party involved. No insurance claim forms. No HMO's.

Benefits of using such plans are...a 30-day Money Back guarantee, No waiting period, No age limits, No co-pays, No citizenship, No exclusions due to pre-existing conditions, and no one to say NO. You pay as you go at remarkably reduced rates.

So what type of coverage is there? Dental, Vision, Prescription, Chiropractic, as well as Medical and Hospitalization, Ancillary services and Specialists. (We even cover cosmetic surgery and Lasiks)

With so many different companies offering discount plans out there, how do you choose? Look around, compare prices, check providers available in your area and most important...Make sure that the company is a member of the Consumer Health Alliance.

To view what we have to offer go to:
Check providers in your area, then give it a try for 30-days, if your not satisfied with the savings, simply let us know and get your money back.

Friday, March 16, 2007

3 Basic Levels

From 2005 to 2006 the cost of what companies paid, on average for each worker and a family increased by about 12 percent, from $6705 a year to $7526 in 2006, as per a survey conducted by the Houston Business Group on Health and Employee Benefits Solution for 2005. At this rate of increase who will be able to pay for health insurance?

This has resulted in the breakdown of the healthcare system into 3 basic levels.

  1. At the top are those who can afford whatever is required to pay, and they get the best.
  2. At the bottom are those who can't afford to pay anything, allowing them to enroll in Medicaid.
  3. The vast majority of Americans fall into the middle. This group has many different levels of healthcare payment within it. Some can pay their premiums with little to no difficulty, but utilize their disposable income in doing so. Others have some insurance but not enough to cover some of the members of the family. And then there are the rest of this group that have no health insurance, as they make too much money to qualify for Medicaid and too little to afford premiums. Also in this middle group you will find most of your small businesses and those who are self-employed, combined are the bulk of the US workers.

Health Care in America

Approximately $1 of every $6 spent in the United States today, is spent on health care. Over the the next decade, spending will continue to rise and is expected to total nearly $4 trillion annually.

As the cost of health care has continue to rise, there has been a quiet revolution occurring. It began about 14 years ago with that idea that in order to change the course of health care is to let the consumers have the information and the incentive to choose quality and keep costs low.

With the rise in out-of-pocket expenses, such as co-pays, as well as the increase in premiums and deductibles, it is important to find out what options are available.

I hope to help others understand that they do have choices. Every family is different in regards to their situation, but no matter where you are in life, everyone and I mean everyone has the ability to receive affordable health care.