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Wednesday, June 29, 2011

Is the High Cost of Health Care Insurance Killing your Budget Part 5 "A Solution"

Today I want to offer a Solution to the problem of our Health Care Delivery System that we have today.  The short answer is to get out of the system.  So how do we do this?

In the first part of this series I gave you an example of what happens when you go to your doctor for a basic office visit.  His cash price is $100 for an office visit, but with health insurance he only gets the PPO Allowable of $50.  You pay part of the PPO Allowable with your co-pay and the insurance pays the other part. 

Now let’s look at the numbers:

Yearly cost with Health Care Insurance:

The National average cost for a family of 4 for health care insurance is now $800 to $1100 per month.  For the purpose of this example we will use the low end of $800 per month or $7200 per year.  The average family will go to their doctor 6 to 8 times per year.  If you pay a co-pay of $25 per visit and your family goes to the doctor 8 times a year that is another $200 per year.  So now you are at $7400 for the year.  Another words your are paying $7200 a year for the privilege of paying a $25 co-pay 6 to 8 times a year.  If this makes sense to you then I cannot help you, but if you are like me this does not make sense than continue reading because I am going to show you a solution.

A Solution:

Direct Concepts Healthcare offers a solution to the problem.  By putting you directly into the PPO network we remove the insurance company from the equation.  This way you and your doctor control your health care, not a third party that is more concerned with making a profit and controlling their cost than your health care, and not some Government panel that could care less about you or your family.

So how does this program work?  Direct Concepts uses two of the major PPO Networks, PHCS and Galaxy.   Let’s look at how this works with the numbers.

Yearly Cost With Direct Concepts Healthcare:
Direct Concepts Healthcare cost $88 dollars a month per family.  There are no limitations and pre-existing conditions do not matter.  That means you pay $1056 a year instead of $7200.  The program includes prescriptions, Dental, Vision, and much more.   When you go to the doctor with our program you would pay the PPO Allowable which in this case is $50.  That means once again it your family goes to the doctor 8 times a year you would pay $400 for the year.  That means our total would be $1456 for the year as compared to $7400 with traditional health insurance.   Direct Concepts work's the same way with Hospitals, with our patient advocates working on your behalf with the hospital to re-price your bill.  To give you an example one of our clients had to have knee surgery, His hospital bill was $10,588.26 the re-price under our plan was $1,750, a saving of 84%.   I can show several other examples but you can expect a 60 to 80% savings and some time more on hospital cost.  The point is you can have control and cost savings with our program.

If you want to learn more CLICK HERE and let us show you how you can have total control of your and your family’s health care at great savings.

I hope with this 5 part series I have helped you understand how the health care delivery system works and the problems it is causing for you and your family’s health care.

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