Beating the High Cost of Health Insurance : Health insurance Healthy care review 2008

Beating the High Cost of Health Insurance

by John Davis Jr.

Americans don't need insurance. There, I said it. To those of you who don't yet think I'm a lunatic, allow me to explain my viewpoint: Here in our country, we have become attached to the notion that work means health care benefits. If we want to pay only $15 or so when we visit the doctor, then in our mind, we feel we must have a job with a great health plan, otherwise, we're out of luck.
The farce here is, in all honesty, citizens of the United States have another, better alternative to the massive paperwork and bureaucracy that our insurance system breeds. The solution? Consumer-driven health discount programs. Some of you right now are scratching your heads as I did when I first heard of the concept, but stay with me.
Here's how the whole thing works - discount program companies offer a flat, per-month fee, usually about $20, and in return, patients can then go to a doctor, order pharmaceuticals, visit the dentist, or even get adjusted at a chiropractor for a drastically reduced price. What's more, certain facilities like MRI scanning and radiological institutes are often included, depending on the services covered by the program.
So what makes a discount program any better than insurance, one might ask? Calculate how much is taken from your paycheck for health, dental, and other coverage for just a second, and I am willing to wager that a measly $20 per month will sound pretty great. That is, unless you're one of the millions in our country who is doing without any kind of health or dental care because you feel you can't afford it. If that's the case, $20 per month will sound heavenly in exchange for fillings, cheaper medications, and even the occasional back adjustment.
Why, then, are millions still having money taken from their paychecks for health insurance that may or may not cover them in a time of need? Simple: the discount card program is still relatively new, having been brought about in the nineties, and it has been slow to travel by word of mouth and other discreet forms of advertising. Now, however, you know the secret, and it's up to you to use it.
How? One route is by contacting a discount program broker (you're in luck, as I am one). He or she can direct you to the right place to get qualified and get in the program pronto. There's no sense in paying hundreds and even thousands into a money-making machine that is obsolete, antiquated, and in most cases, broken. Use your best consumer brain, and make the right choice. Taking our country's health care back from the insurance companies and away from fat-cat bosses will forever revolutionize the way America provides for its citizens. Will you be the one to stay and watch from behind, or will you join us? I leave the decision with you, dear reader.