What Is Discount Health Care?

Discount Health Care has filled a void in our society whereas some 40 million citizens in the US either have no insurance benefits at all or else they are severely under-insured and therefore, might as well not have any insurance benefits at all.

Discount Plans has fast become a staple in our society providing many Americans with the opportunity to go see a medical professional. Whereas, before having a discount plan, they could not even afford to go to the dentist for a routine visit.

There are many different options in terms of private companies out there currently offering Discount Health Care Plans. And almost as many different plans to choose from. Whether you are looking for just a simple dental plan or you need a full, total health benefits package, you can custom tailor you plan to fit your families’ needs and your budget.

When you become a member of a Discount Plan, you will receive a membership card, usually within 10 to 14 business days after registering. You will need to show this discount card to your health care provider at the time of services. And you will be required to pay your bill minus your discount. Note: These discounts are not insurance! And make sure that your current health care provider accepts the plan you choose. As I stated, there are many different plans out there and not all of them are as widely accepted. And you should be able to look up providers using a provider search tool on the Discount Health Care companies’ website before choosing whether or not to sign up with them.

Discounts will vary according to the particular plan you choose and your geographical location. But you should typically see discounts anywhere from 50 to 80% off of medical, dental and prescriptions. And somewhere between 20 to 50% off of vision and Chiropractic services. These discounts are negotiated between the provider and the company or network providing the discount plan.

Most Discount Dental plans will also give you a free Vision and Prescription plan as well at no additional cost. And some even include a discount Chiropractic plan. Most plans are very affordable and allow you to either pay on a monthly or annual basis. Although I haven’t seen any of them giving additional savings for choosing the annual plan, it’s more of just an extra convenience for the member.

Most of the companies that I have become familiar with offer very affordable rates for the entire household. Although there have been a few companies over the years that have taken advantage of their members and have used false advertising practices. This is very unfortunate but tends to happen a lot in our society where people tend to get greedy and have no regard for their fellow citizens.

Many states have now imposed strict guidelines concerning the business practices of Discount Health Care companies and some states do not allow them at all, which I think is very unfortunate as we desperately need these services in our communities. Especially for people who are having to do without health care simply because they cannot afford traditional health insurance.

As our government goes back and forth on health care issues, more and more citizens of the United States continue to go without health care benefits. Discount Health Care provides one alternative to this dilemma. But you must do your homework and check out the company before becoming a member. Legitimate companies, and there are plenty of them out there, will be very happy to explain their services to you before you sign up.

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Home Health Care History

The early nineteenth century witnessed the initial stages of the home health care industry that offered qualified nurses to take care of the poor and sick in their homes. In 1909 when Metropolitan Life Insurance Company started to write policies that comprised of home health care, this industry became very popular. This company is credited for paying the first compensation for home health care industry. This gave rise to the birth of organized home health care.

The Great Depression in 1929 caused several businesses along with home care industry a lot of hindrances and struggle. This went on till the follow-up visits made by nurses after hospital discharge became reimbursable by the Medicare Act of 1966. The home care industry became most feasible and practical when Medicare in an attempt to reduce hospitalization costs set up DRG’s program (Diagnostic Related Group). This laid down that some disease or hospital practice needed a certain stay period. So the discharged patients were more sick compared to their DRG counterparts.

The story does not finish with DRGs. This in fact was the commencement of patient care vs. medical ethics debate. This subject shall be soon addressed in the present health care reform segment. The price of health care is the issue. Questions like how much does a human life cost and how long one should pay for keeping alive a person after he ceases to be a contributor to the society need to be addressed.

Home health care industry needs to answer these questions. The main intention of the DRG programs was to cut down the hospital stay in order to lower hospitalization costs. Thus this becomes a challenge to the agencies. But gradually home care started becoming expensive. The Balanced Budge Act of 1997 hand one major side effect. It limited the benefit days to the patients under home health care thereby lowering the compensations to the various home health care agencies. This resulted in many of these agencies going out of business.

The price to take care of a patient will always stay an issue. There was a growth of nosocomial diseases in hospitals that lead to heavy health care costs. Patients started getting discharged in a much sicker condition than before. This put additional burden on the family of the patient to make available good care once the family member is home. Also majority of the people were working. Home health care agencies that provide services were unable to discharge patients when they exceed their Medicare days if they are in a bad condition or its not safe to depart from them without any nursing services.

In case the home care agency declines admission of a patient who seems sicker than the number of reimbursement days allowed by the government, the patients’ family does not have too many choices. In case of the patient being discharged without any adequate follow-up care, the patients’ family can seek services of a qualified agency that could strain on emergency room visits and re-hospitalization leading to more compensation issues. Such questions are difficult to answer more so in cases where cost is to be taken care of. But, as time passes, such questions will continue to haunt till there are satisfactory answers to them.