What If You Need Medical Attention?
Of course, if you have an emergency, call 9-1-1 and perform any needed first aid.
But to find affordable health care in a normal situation, the emergency room isn’t the best way to go.
With health insurance [a misnomer: health insurance doesn’t guarantee health, only that you’ll get needed medical attention – or at least that’s how it was originally designed] rates already high and rising rapidly, many families are having to decrease or drop their insurance coverage because of financial constraints.
And what about the ones that bite the bullet and sacrifice other needs so they can keep up their health insurance premiums?
Luckily for some, all goes well (this is a service everyone hopes never to need).
For others, that U.S. average premium of $466.00 is paid every month, and the family believes their medical needs are covered. Then, there is some sort of unfortunate event, and a medical procedure is required.
I can’t tell you how many distressed people have shared with me very similar stories about how their health insurance – in effect for years but never needed before – refused to pay for some very necessary procedure because “that situation isn’t covered under your policy.”
Now I’m not an accountant, an attorney, or a medical professional, but it seems to me you might be better off socking away (into an interest-bearing account of some kind) the amount of money you would normally pay to health insurance premiums. Then, get into a program like Qualified Health, where you can find affordable healthcare at a discount.
Evidently, insurance companies and HMOs are able to buy medical care “at wholesale” – pre-determined discount prices that are substantially below the “retail” prices that patients assume to be the actual cost (usually around 10% for hospital stays with surgery, 25% for hospital stays with no surgery, and around 50% for doctor/lab visits).
With the average insurance premium running between $400 and $500 a month (and of course, you wouldn’t need to be paying that anymore), you could still come out ahead financially even with a (God forbid) $10,000 hospital stay.
The Qualified Healthcare Plan can also be used to your advantage along with medical insurance in some cases, but cannot be used for expenses already covered by Medicare. It can be used for savings on medical needs not covered by Medicare, such as hearing aids, eyeglasses, chiropractic and other “alternative” healthcare services.
PROS: Unlike most health insurance, there are no restrictions on current health conditions. With this plan you can find affordable healthcare for yourself or your family, simply by stacking up the significant savings.
CONS: Qualified Health is not available in California, Connecticut, Montana, North Dakota, South Dakota, or Vermont, and can offer no discounts on services already covered by Medicare.
VALUE: This plan offers significant value if you’re trying to find affordable healthcare. Here is a testimonial from a consumer:
“I have seen the benefits of this plan and would recommend it to anybody in need of a low cost hospital and medical program. This plan actually delivers the services you need and expect, with significant savings. In this past year, I have lab workups totaling $877.50, but I only had to pay $291.88. That’s about a 67% savings off my lab bills. I saved 48% on my daughter’s chiropractic bills. Qualified Health is reasonably priced, provides wide coverage and is extremely simple to use.”
GUARANTEE: The guarantee on their web site states “We are so sure that you will be satisfied with the Qualified Health program, that we give you a 30 day money back guarantee on the program fee. If for any reason, you are not totally satisfied, return the member ID cards to Qualified Health, and we will completely refund your membership fee, minus the $20 processing fee.”