A Benefit with No Benefit isn't a Benefit, it's just an Expense
“How often do I put my health on the line because I just don’t have the time [or money] to be able to care of myself?”
Mom's Health Care is usually that last thing on the list. Forget about Dad taking a day off to see a doctor. Mom is too busy and too stressed taking care of everyone else to get proper health care, Dad just refuses to go to the doctor, usually saying something like this "I just have a little something, I'll be fine".
Most Americans pay for an overpriced health plan they never use. In fact, very few Americans can actually define 4 basic insurance terms. Most people know what a premium is when it comes to their insurance, because they have to pay it every month. But we asked if they could define four other key health insurance terms: deductible, co-insurance, co-pay, and out-of-pocket maximum.
Do you know what you're paying for? Let's look at a Kaiser Family Foundation Study.
How Much Does Company-Based (Group) Health Insurance Cost?
Published by the Kaiser Family Foundation, the 2018 Employer Health Benefits Survey provides key insights into group health insurance trends and costs.
- Average monthly premiums for self-only coverage in 2018: $574
- Average monthly premiums for family coverage in 2018: $1,634
You'll be shocked at how much health insurance costs for a family of four (not Group based)
According to an article published in USA Today, a family of four will average $28,166 in health insurance cost this year, according to the annual Milliman Medical Index.
According to eHealthInsurance, for unsubsidized customers in 2016, the average annual deductible for individual plans was $4,358 and the average deductible for family plans was $7,983."Jun 23, 2017. Now let's add all that up. $28,166 health insurance cost + $7,983 deductible + $485 in average annual co-pay for regular office visits, that's a whopping $36,000 in health insurance cost if all goes well. The sad part of all this money being spent is that 92% of Americans never actually reach the out of pocket maximum.
Here's a simple solution that can help that 92% of us (as crazy as it sounds)
Let's take a look at your annual deductible (out of pocket maximum). To make it easy, let's say your deductible is $2,500 a year and your premium is $500 a month. What happens if you increase your deductible to $5,000 a year? We already know you're not reaching your $2,500 deductible, so why not increase the deductible and save 30-40% on your monthly premium? Simple, right? Yes, but you still need to cover those nagging doctor office visits when the kids get a cold, allergy, fever or who knows what. For less then $35 a month there is a health care plan to solve 80% (or more) of your actual doctor office visits. The plan, Telemedicine. It's here and over 31 million Americans have already discovered it's benefits, both being extremely affordable and even more convenient.
Visits are convenient, private and secure.
Instead of trying to figure out what to do when you or your child gets sick, you can simply log on and do a phone or video consultation with a U.S. board-certified doctor in minutes.
That doctor can prescribe medication when appropriate and send the prescription to a nearby pharmacy. (and with the right prescription plan, many medications are free, just ask us).
The best part is that you can access a doctor 24 hours a day, 7 days a week, 365 days a year in minutes from anywhere, anytime. Take access to a doctor with you.
How much does it cost?
Your entire family can get 24/7/365 access for under $35/month. There are no additional fees or copays. One Family, One Price. For more information, check out Health Alliance Network Health Plans. No application, no probing questions, just simple and affordable Health Care. The way Health Care Should Be.
Leave a comment