Find Medical Benefits

1. Then: Doctors could fix REASONABLE RATES for their services: There was no insurance company to tell them how much they should/would be paid. The Rates for the Consultation could be fixed by the doctors themselves.

Now: Insurance Companies negotiate THEIR RATES with the Doctors. While the patients see large Fees on their bills, the doctors got paid only about 36 - 46 cents to the dollar.

2. Then: DOCTORS GOT PAID IMMEDIATELY AFTER THE SERVICES WERE RENDERED: The patients were ready to pay the doctor after the consultation. The doctors were happy and the Patients were happy too.

Now: The doctors get the Co-Pay. For the rest of the payment, they had to file a claim form. Then they have to wait 3-4 months for the Insurance Companies to pay them.

3. Then: Flexibility in Payments was possible whenever the patient had problems coming up with the required amounts. The Doctors looked HUMANE and seemed to have hearts of flesh!

Now: Fees for Consultations and other services are fixed by the Insurance companies. The doctors do not have the freedom to reduce their fees; If they do so, they will go broke and be out of business! (:

Is there is a viable option available to the client today?

Yes there is. it is called "Consumer Driven Healthcare".
How does thus work?
This is very simple. The Doctor gives deeply discounted rates and the patient pays these highly reduced rates at the time of service.
The Doctor is happy that he/she has got paid immediately - with no paperwork and no hassle with the Insurance Company.
The patient is also happy that he/she is not paying a high premium for Insurance, but just a membership to be a part of this Program,

Most people pay high premiums simply because they want to have 'something' in case they have an emergency. So, simply to be safe, they pay high premiums to the Insurance Companies, They also have do-pays and deductibles which are usually around 20% of the Hospital bills.

Let's make some calculations. Sppose you pay around $750 permonth for a family of 3. One of you gets sick and spends 3 days in a hospital. Let's assume that your total bill was $40,000. Now the deductible would be around $800 plus the premium for the year. this would add up to $9,800

How would it help if you could get an Advocate to negotiate your hospital bills to be reduced reduced to the barest minimum? Then you just pay for your Membership of aboout $29 per month for your family.