These Are a Few of My Favorite Things

With the launch of the Affordable Care Act (ACA), I have heard “chatter” about the damage it will do to the Discount Benefit Industry. Au contraire mon ami. Not only will Obamacare not harm the industry, it will be needed more than ever!

I want to make it clear that discount plans are NOT insurance and do not pay anything toward its members’ expenses. I will not discuss my personal opinion of the ACA in this post, and I ask that readers not express their opinions here either.  Instead, I would like to talk about how Xpress Healthcare’s® discount plans are a perfect supplement to Obamacare.

The ACA requires that all insurance policies include 10 essential elements. Those elements do not include adult dental, vision or hearing services, so the majority of the insurance companies are not including them. This is where my favorite (and least expensive) Xpress Healthcare® benefit plan comes in. Our Premium Plan offers discounts (from 10-85%) on dental, vision, hearing, prescriptions, vitamins/diabetic supplies and medical supplies.  As a member myself, I saved over $1000 in 2013 on my family’s dental and prescription costs. I have health insurance, but my discounts saved me far more than my insurance on my prescriptions, which can vary depending on geographical location. Our Premium Plan* is only $19.95 and that includes all of your immediate family members! Our dental provider network is Aetna Dental Access™, and our discounts are great!

Xpress HealthCare® can be a great compliment to those who participate in Obamacare.

Xpress Healthcare® offers four benefit packages:

Xclusive - $49.90/month/family – Offers discounts on physician’s care, hospitalization, Aetna® Dental Access, vision, hearing, Rx, LifeLock® ID Theft Protection, labs/imaging, pet care and supplies, chiropractic, legal services, a nurse line, roadside assistance, medical supplies, vitamins/diabetic supplies, medical bill saver (negotiation service) and a cash back rewards website.

Premium Plus - $29.95/month/family – Offers discounts on Aetna® Dental Access, vision, hearing, Rx, doctor’s-by-phone (Telahealth), chiropractic, labs/imaging, medical supplies and medical bill saver.

Premium * (see above for details)

Lifestyle Select - $19.95/month/family – Offers savings on LifeLock® ID Theft Protection, pet care and supplies, legal services, roadside assistance, and a cash back rewards website.

So, as you see, the Discount Plan Industry may well flourish as a result of Obamacare. My company, Xpress

Healthcare® is prepared to offer our members great savings on their dental, medical and lifestyle expenses.

For additional information about Xpress Healthcare®, please visit http://2YourHealth2.INFO.

We look forward to helping you and your family save money this year.

====================

Xpress Healthcare® is only available in the United States (except, WA, KS, VT, UT, and AK).

Disclosures:

Discount Medical Plan Organization:

New Benefits, Ltd.

Attn: Compliance Department

PO Box 671309

Dallas, TX 75367-1309

800-800-7616

Coast to Coast Vision™ and UHS Chiropractic™ are owned and operated by New Benefits, Ltd.

This plan is NOT insurance. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This plan provides discounts at certain healthcare providers for medical services. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. Pharmacy discounts range from 10% to 85% on most medications.

New Benefits will receive and retain a fee from network providers for eligible prescription, hearing, lab, and imaging purchases. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state, and specialty of each program provider located in the cardholder's service area.

This discount card program contains a 30 day cancellation period.

FL, LA, MS, ND, OK, RI, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MD Residents: The membership fee and one-time registration fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card. The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act or Massachusetts M.G.L. c. 111M and 956 CMR 5.00.

Regulated discount benefits are not available in the state of Washington, at this time.

WA residents: If a member cancels his or her membership in the discount plan organization within the first thirty days after the date of receipt of the written documents for the discount plan, the member must receive a reimbursement of all periodic charges upon return of the discount plan card to the discount plan organization.

1. (A) Cancellation occurs when notice of cancellation is given to the discount plan organization. (B) Notice of cancellation is given when delivered by hand or deposited in a mailbox, properly addressed and postage prepaid to the mailing address of the discount plan organization, or e-mailed to the e-mail address of the discount plan organization.

2. (A) Discount plan organization shall return in full any periodic charge charged or collected after the member has given the discount plan organization notice of cancellation. (B) If the discount plan organization cancels a membership for any reason other than nonpayment of charges by the member, the discount plan organization shall make a pro rata reimbursement of all periodic charges to the member.

If a resident of the state of Washington remains dissatisfied after completing the organization's complaint process, the plan member may contact the office of the insurance commissioner at: Washington Office of the Insurance Commissioner, P.O. Box 40256, Olympia, WA 98504-0256 - 800-562-6900 - www.insurance.wa.gov

Internet website address to obtain participating providers is MyMemberPortal.com.

For Terms and Conditions, click here.

The Day of the Discount Plan

I recently read two articles that were really interesting that demonstrate the continued, and in fact, increasing need for Discount Health Care plans.  One article was from the online magazine “LifeHealthPro,” a publication for insurance agents; and the other was from the online version of “The Wall Street Journal.”  These are both highly regarded publications.

Much of the information will come from those two articles.  You can read them in their entirety at http://www.lifehealthpro.com/2013/05/14/ammo-against-ppaca-medical-discount-cards   and http://blogs.wsj.com/cfo/2013/05/20/the-morning-ledger-employers-eye-bare-bones-health-plans/

With the upcoming health care reforms, more and more employers are turning to medical discount cards as a way to provide fair benefits to their employees without spending a fortune.  When the discount cards first were introduced decades ago, there was no regulation.  Eventually, the reputable companies selling discount benefit cards formed the Consumer Health Alliance to establish standards for the industry. 

According to http://ConsumerHealthAlliance.com:  “Millions of consumers across the United States access discount health services offered through associations, senior organizations, educational groups, businesses, nonprofits, financial institutions, and unions among others. Entities currently offering discount health programs include" the following and many more.

Aetna                                           City of El Paso                     American Federation of State, County, Municipal Employees                                  Wells Fargo                          University of Pittsburgh Medical Center MA Plan

Compass Bank                            Bank of America                  American Legion Auxiliary                                

Citigroup                                      Civil Air Patrol                      National Association of Independent Truckers 

E-Bay                                          Texas Farm Bureau             Guaranteed Trust Life Insurance

Gymboree                                   Yeshiva University               Health Insurance Plan of New York

Wachovia                                    Panera Bread                       Houston Independent School District               

Prudential                                  SunTrust                            Texas State Teachers Association                        

Transamerica                              Trustmark Insurance          United American

Tricare                                                                                      Marine Corps Association                  

Urban Outfitters                                                                        Sears Employee Federal Credit Union

The number of Health Insurance Agents selling Discount Health plans, in addition to traditional Health Insurance, is increasing dramatically.   As employers prepare for the full enactment of “Obamacare,” they are realizing that they can avoid penalties under the law by offering “bare-bones” insurance plans that may lack benefits such as hospital coverage, pre-natal care, surgery or X-rays. 

Because so many people will have these “better-than-nothing” insurance plans, the much more affordable Discount Health plans can fill the gap, offering great discounts on those benefits not provided by their health insurance.

I am in the right business at the right time.  As an Affiliate Business Owner with Xpress Healthcare, I am privileged to be able to help those who have no insurance or whose employers offer them only minimal benefits.  Since the four plans we offer cover a variety of different benefits and are priced between $19.95 per immediate family to $49.90 per immediate family, nearly everyone can afford them.

************************

Learn how to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more at http://ibourl.net/XpressSavings (NOT insurance).

To learn about Julie Klein and how you can be successful in network marketing, look at the Xpress Healthcare Business Opportunity at http://joinxpresshealthcare.com.