Why HBC+ 

In recent years the high cost for healthcare has spiraled out of control.  Approximately 38 million Americans do not have medical insurance and as many as 115 million Americans are underinsured.  People are being forced to go without needed healthcare simply because they cannot afford it. Employers who sponsor health plans are shifting costs to their employees in the form of higher deductibles, higher co-payments, reduced prescription benefits and more coverage exclusions and by requiring employees to bear a higher share of premiums.

 Our program is designed for individuals and employers in an effort to provide cost effective healthcare services and benefits.  The HBC+ program empowers individuals and employers to take control of their healthcare in a CONSUMER DIRECTED HEALTHCARE PROGRAM.  This program will give consumers more choices and more responsibility for the economic consequences of their healthcare needs.

Professionals provide health care to subscribers who choose from one of the Health Benefit Card Plus participating provider networks. Specialty care is also provided within the network. A referral is not required. 

The uninsured, underinsured and employers represent a primary market for the Health Benefit Card Plus savings program.  The HBC+ program has an equally viable market for persons who do have health insurance to some degree or other. Examples of potential subscribers include:

The uninsured:
-  Young post-college unemployed.
- Retirees who have lost employer provided benefits as a result of bankruptcies, under-funding, etc.
- Employed persons without employer-provided medical coverage.

People with Medicare or health insurance:
- For use as a supplement to reduce deductible payments and co-pays
- To pay for excluded items such as cosmetic surgery, lasik surgery, vision care, dental care, chiropractic care, weight reduction, smoking and stress cessation program.

In waiting period for medical insurance coverage:
- With excluded pre-existing conditions
- To defray the costs of excluded items such as prescription drugs, laboratory testing, physical examinations, elective surgery, dental, vision, hearing and chiropractic care.

Employers who wish to reduce their health benefits expense, including those who:
- Do not offer medical insurance for their employees who might be willing to pay for the Health Benefit Card Plus as a low cost alternative to an employee medical insurance program
-  Offer medical insurance programs for their employees who could use the Health Benefit Card Plus as a supplement to their programs, allowing higher deductibles and higher co-payments to reduce the overall cost of their medical insurance coverage without reducing out of pocket costs paid by their employees.
- Self employed individuals in conjunction with a high deductible medical insurance policy and a medical savings account to drastically reduce the cost of their medical insurance coverage.

Insured persons

The Health Benefit Card Plus is not insurance and is not a replacement for medical insurance programs.  However, in excess of $120 billion is spent annually for uninsured out-of-pocket health care expenses that can be reduced through use of the Health Benefit Card Plus:

Out-of-pocket Healthcare Expenses (2000)

Health Benefit Card Plus members can save up to 70% on their health care needs without limitations or exclusions.  

Back to top ^