Co-Op Healthcare-An Alternative To Traditional Health Insurance
Its no secret that the rising cost of health insurance is frustrating the American consumer. This fact alone is leaving 45 million Americans uninsured. But what few people know is that there is more than one way to cover your medical expenses. Co-op healthcare benefits serves as an alternative to traditional health insurance with real and comprehensive benefits.
Most of us are familiar with traditional health insurance and we even heard of discount programs but only a small few of us are aware of co-op healthcare. Co-op healthcare is not insurance nor a new concept; in fact its the original premise behind traditional health insurance. All fees are collected and held in a health pool and claims are paid from the pool. Over time this basic premise has been overshadowed by heavy-handed underwriting, limitations, exclusions and claim denials. Not to mention the regulatory authorities over the insurance industry.
For years chambers of commerce, small businesses, families and groups of all sizes have been searching for ways to help reduce the rising cost of healthcare. Individuals typically cant afford traditional health insurance because of costs or pre-existing conditions. Small businesses cant afford to carry the financial burden of high rates while chambers of commerce have tried for years to work with traditional health insurance companies through coalitions but inevitably fall apart due to grouping qualifications.
What you can typically expect from Co-op Healthcare is a 20-50% less expensive rate over traditional health insurance with no deductibles while dental, vision and chiropractic may be included in every plan.
Co-op healthcare works great for chambers of commerce, individuals and small to midsize businesses because of less expensive rates, comprehensive benefits (including major medical), and no grouping.
Let me warn you though Co-op healthcare is not for everyone, if you work for a large company with excellent benefits and you can afford the rates, by all means, stay with them but if you need better rates and a larger array of benefits try Co-op healthcare.
Robert Reed is a Marketing Director in the healthcare industry, Author and Speaker. You can visit his blog at http://www.charactercoach.blog.com
Proactive Healthcare-Reducing High Healthcare Costs
Why does health insurance cost so much? There are a number of factors that are specifically responsible for increasing health...
The ABC’s of Health Insurance Plans
In today's health insurance marketplace, three primary types of healthcare coverage are available. They are the Indemnity pla...
Does Your Health Insurance Cover Alternative Medicines and Remedies?
When we think of health insurance and the kind of coverage it provides, we tend to think of emergency room visits, doctor vis...
Free Cat Healthcare: Does It Exist?
If you are wondering if it is possible to get free cat healthcare for your cat, well you should know that it is not something...
Blue Cross Blue Shield Health Insurance - Good, Bad or Indifferent?
There can be few in the United States who do not know the name of America's oldest health insurance provider. But, despite it...
When Neither Indemnity Health Insurance Nor Managed Care Meets Your Needs
The two main choices open to you when it comes to buying a private medical health insurance plan are traditional indemnity he...
Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific facto...
Today Might Be a Good Day to Look at Health Insurance
Health InsuranceOne of the most important aspects of having health insurance is to cover your medical expenses or lost income...
Low Cost Family Health Insurance
The health of our family members is of paramount importance to us, and getting good health insurance is more of a need than a...
Low Cost Family Health Insurance
The health of our family members is of paramount importance to us, and getting good health insurance is more of a need than a...
Health Plans
Healthcare scene undergoes rapid changes. The change is visible in most of developed world and sweeps through the advanced de...
Low Cost Individual Health Insurance
Health insurance is any arrangement that helps to delay, defer, reduce or altogether avoid payment for health care incurred b...
Low Cost Individual Health Insurance
Health insurance is any arrangement that helps to delay, defer, reduce or altogether avoid payment for health care incurred b...
Learning How To Give the Proper Cat and Pet Healthcare
Cat and pet healthcare is an important responsibility for all pet and cat owners. Whether you own a fish or a horse, you shou...
A Traditional Indemnity Health Insurance Plan Or A Managed Care Plan?
For many years people felt that they were trapped between a traditional indemnity health insurance plan (a wide range of choi...
Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substan...
When Should You Buy A Managed Health Care Insurance Plan?
Health insurance plans today fall into two broad camps traditional indemnity health insurance (which tends to be expensive) ...
What is POS and Managed Health Care Plan
POS stands for Point-of-Service. Its a type of managed healthcare plan. Other types of managed care plans such as HMO (Health...
Health Insurance Quote - 10 Ways to Reduce Your Cost for Healthcare
After home and living expenses such as rent or a mortgage, for a good number of American families healthcare can be the next ...
Health Insurance Quote - 10 Ways to Reduce Your Cost for Healthcare
After home and living expenses such as rent or a mortgage, for a good number of American families healthcare can be the next ...