Health Insurance Premiums and other related costs have been increasing by double-digit percentages for the past several years and are expected to continue along the same trend for the foreseeable future. There are now more than 40 million Americans without health insurance. Most health insurance policies are filled with exclusions, maximums and limitations and do not cover nearly as much as one would expect. 

More than 72% of the U.S. population is relatively healthy people with no serious medical conditions and do not need a traditional health insurance plan. We are not in business to replace insurance. We recommend that each individual plan and prepare for their healthcare needs the same way they plan and prepare for retirement. 

Health Insurance Facts:

• Health Insurance Premiums are increasing by double digit percentages every year

• Average monthly premium costs are more than $350.00 per individual and more than $850.00 per family

• Prescription benefits are being limited, reduced or excluded in most insurance plans

• Co-payments are being increased and benefits are being reduced 

• Insurance covers less and less each year due to exclusions, limitations and maximums 

• More than 40 Million people are uninsured in America

• 72% of our population is relatively healthy and needs a better way to manage their healthcare needs

The following scenarios will provide real life examples of how our Plans can be used:

Scenario I: Health Benefit Card Plus with a High Deductible Insurance Plan:If you are a relatively healthy person with no major healthcare issues, we recommend that you combine Health Benefit Card Plus with a high deductible health insurance plan. There is no need to spend abnormally high health insurance premiums for insurance that you rarely use if you are healthy. Use Health Benefit Card Plus to save money on a wide variety of health care needs, and find a high deductible health insurance plan that will protect you in the event of serious accident, injury or illness. Combined these plans should cost $75.00 to $125.00 per individual and $175 to $225.00 per family. This is a saving of $225.00 to $275.00 per month for an individual and $625.00 to $675.00 per month per family. Tremendous savings and increased benefits!

Scenario II: Cannot Afford Health Insurance:
Many people cannot afford health insurance; yet have health care needs like dental visits, vision, wellness exams, prescriptions and other needs that need attention throughout the year. We recommend that you enroll in the Health Benefit Card Plus plan. Our plan is affordable at less than $1.00 per day and will save you money when you fulfill your healthcare needs throughout the year. Most people will save hundreds of dollars more than their plan cost in a year period.

Scenario III: Currently have full health insurance coverage:
There is no such thing as “Full Health Insurance Coverage” all health insurance plans have maximums, exclusions and limitations on the eligible benefits available through the policy, and usually do not cover near what the policyholder thinks it will cover. Health Benefit Card Plus is the perfect supplement to existing insurance. HBC Plus provides savings on benefits that are not included in traditional health insurance plans. There are no maximums, exclusions or limitations in the HBC Plus plan so people can use it as a supplement to their existing policy to cover services that are not included or limited within their health insurance policy. 

Scenario IV: Small Business Owner Not able to afford Traditional health Insurance for employees:
Most small business owners are unable to afford health insurance coverage for their employees. Health Benefit Card Plus is an affordable alternative that will enable employers to recruit and retain quality employees.

Once again, Health Benefit Card Plus is not designed to replace insurance. It is designed to enhance existing insurance, be combined with a high deductible, low cost insurance or provide an alternative for individuals and employers who cannot afford full insurance coverage by providing savings in a wide variety of healthcare services.

Please contact us if we can be of assistance in helping you understand the above examples.

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