Medical Costs Dilemma
We don’t know if it’s inherent in our nature to trust and believe what we are told or to be just too complacent to take charge of our own welfare. In either case, for way too many years we’ve allowed ourselves to be conditioned by the health insurance industry and their associated medical providers who, we’ve been convinced, are “taking care” of us financially and physically.
The result: we’ve learned not to ask what treatments,procedures, diagnostic tests and prescriptions cost when our doctor prescribes or recommends them. We figure, it’s covered by our health insurance and we don’t have to pay it – well, maybe just a little of it, but we can deal with that. And, all too often, when we get the bill several months later, we’re faced with fees that are closer to our national debt than to the medical services rendered. The worst part is we’re now being told we’re required to pay a much larger part of these costs then we thought were our responsibility. Has it happened to you? It’s definitely happened to us!
Of course, all of this lack of transparency has created the most broken health care system this country has ever experienced since the inception of for-profit healthcare and health insurance.
Add to this, the fact that insurance companies are for-profit entities whose first priority is making enough profit to satisfy their shareholders, not our health care needs. So we pay that price with higher and higher premiums and lower-quality plans.
Medical Costs and the Health Sharing Option
The “good” that’s come out of this debacle is 1) the realization that we need to take back control of our own health care and health care costs and 2) the creation of health care programs that actually help the individual achieve this goal.
Health sharing is one such entity. It’s not health insurance and it’s not for everyone. It’s a program that is designed to help its members share their medical costs. It’s simple, direct and transparent and it’s geared to healthy people and people who want to be and stay healthy.
Health sharing members are self-pay patients with a back-up plan. That means they are not limited to a specific provider network. They can go to any doctor, diagnostic center or hospital they choose, as long as the doctor or facility accepts cash paying patients. And I don’t know about you, but there aren’t many doctors I know that won’t accept cash payment up front rather than waiting what seems like an eternity to get paid by an insurance company.
There are a number of us, for whom traditional medical treatments are not working, who seek out alternative medical treatments that do. Another of the many pluses for health sharing is that some health sharing programs include sharing expenses for alternative medical treatment.
Wellness and Medical Costs
The health sharing movement has two specific goals in mind: to give you back control of your health care and help reduce medical costs. Your relationship should be directly with your health care providers for the best service and price, not with a third party entity whose own agenda comes first. But it is your responsibility to make this happen by staying healthy and shopping to compare your medical costs – just as you would any other item or program you buy.
There are a number of health sharing programs out there, each with their own set of services and prices. Our pick for the most comprehensive program with the best services at the fairest price not only fits the medical costs taming bill but also helps you get and stay healthy. It’s called Health Excellence Plus, with a healthy care strategy that truly does take care of all your health care needs, from wellness programs to preventive care, health savings accounts to sharing medical costs at a fair rate. And this program is available for enrollment year-round, not only at Open Enrollment season. For more information click here: http://wwg.mympb.com