How's your Health (plan) ?

It's no mystery America is in the throws of a Health Care Crisis. The number of Americans who have no Health Care is in excess of 45 million. It is scary.

To me, the more worrisome aspect of the whole situation is nobody seems to be doing anything about it. I hear a lot of talk from Washington but my health coverage is not getting any cheaper. I have friends unable to afford any health care. Chuck Swindall once said, "We are all faced with a series of great opportunities brilliantly disguised as impossible situations."

Don't forget that regardless of your political leanings Americans are the most entrepreneurial people in history. Take a drive out to Silicon Valley and see what I mean. But even less significant invention reflects our entrepreneurial spirit. How about Hula Hoops. Go ahead, laugh, but the inventor hasn't had to work for the last 50 years.

With that sort of heritage it can only be a matter of time until somebody addresses the health care issue in real terms with real solutions. Here is one scenario that seems plausible.

Future health coverage in America will be a combination of some or all of the following:

1. Discount Health Plans - Not Insurance

The individual will be responsible for payment at the time of the service, but at a greatly reduced rate. Why the "greatly reduced rate"? In order to understand the value of Discount Health Plans one must look a little deeper at the costs the Providers themselves must overcome.

Most Providers today are in some sort of PPO or HMO and as such offer a discount to the network plan. The patient comes in, pays their copay and that is all the money the Provider collects immediately. The Provider then is responsible for processing the claim to the PPO or HMO and waits 60 to 90 days for payment, if they get paid at all.

That's where Discount Health Plans make sense to a Provider. He or She can offer a larger discount to the patient, collect that money at the time of the treatment and not have to file any claim to the PPO.

2. A Health Savings Account

This plan is gaining popularity because of the tax benefits. It is a tax free contribution with tax free use for medical treatment and it rolls over.

3. Catastrophic - High Deductible Insurance Coverage

Pretty self-explanatory. Costs for the coverage would be reduced due to the higher deductible.

This scenario obviously isn't gospel but out of all the "solutions" being bantered about, this one makes the most sense.

Joe Roberts owns theWebResources.com and researches legitimate work from home opportunities. If you're serious about working from your home please visit US Power Brokers.
For more information on cutting edge Discount Health Programs visit Everyone Benefits.