There are approximately 300 million people in the U.S. population and they are divided into, two categories:
1. The uninsured which consist of about 50,000,000
million people
2. The insured which consist of about 250,000,000
million people.
Ironically the numbers of Uninsured citizens increases by time (as you think not) due to the high cost of the national insurance.
Here is a short preview of the available solutions:
Traditional Health Insurance Plans:
Examples:
• Blue Cross Blue Shield
• United Healthcare
• CIGNA
• Aetna
• Kaiser
Pros (Typical): Cons (Typical):• Defined doctors network • High costs
• Sense of security & protection • Limited services (just medical)
• Well known • May or may not cover pre-existing
• Co-payments • Deductibles
• Enrollment time frames & stipulations (group plans)
As a result, many of the over 47 million uninsured Americans* continue to
willingly or unwillingly move away from traditional health insurance companies
due to
1) Rising Costs
2) Inability to qualify (pre-existing) and
3)
Spending money on plans that may or may not be utilized.
*According to the U.S. Census Bureau
Discount Only Plans:
Examples:
• Ameriplan
• Care Entrée
Pros: Cons:• Low cost for entire family • No Insurance
• Group discounts & benefits • Payment always due at time of service
• Everyone accepted
• Access to services such as:
Medical, Dental, Rx, Vision,Chiropractor
As a result, millions of Americans do not move toward Discount Only Plans due to
1) Not knowing exact amount of discount when accepted
2) Having
absolutely NOINSURANCE.
So What is the Solution Then?
Discount
• Offering association benefits to members since 1982• Providing both insured and non-Insured Benefits
• PPO group discounts
*Limited Insurance
o Accidental Medical Benefit- up to $5,000 per occurrence for medical expenses due to an accidento Daily Hospital Benefit- up to $1,000 per day confined to a hospital due to a covered injury or sickness 30 days max.
o Dental - up to $1,000 insured dental benefits per calendar yearThe IAB Membership Plan Advantage:(And How is it
Affordable Healthcare Plan)
IAB Membership :
• Affordable- Low cost for entire family
• Transferable- It is your membership
• Nationwide Access- PPO Network go to www.beechstreet.com to locate doctor
• No one is denied memberships- Everyone is accepted
• Combined Services- Insured and non-insured benefits Limited Insured Benefits:
• Use at any dentist nationwide
• Use at any doctor, urgent care or hospital
• Accident medical expenses
• Doctors Visits
• Hospitalization
• ICU / CCU
• Life Insurance
Non-Insured Benefits -Discounts:
• Car
• Golf
• Hotel
• Legal
• Nurse Hotline
• Prescription, Vision, Chiropractic
• Shipping
• And much more…
Limited Insured Benefits: Discount Benefits:
• Can be used anywhere in U.S. • Discounts obtained from leveraging group size
• Access to nationwide provider for such as dental,
perciption,and vision
• Can be used with or without other
• Can be used with other insurance to off set
• Can be used with the insurance companys provider network, Beech Street for additional savings through reduced rates
• No co-payment, $100 deductible, bill is filed with the Insurance company, if a network facility is used discounts may apply.
5 Day Inpatient Comparison (Example Only)*
Traditional 80/20 Insurance• Bill charges $15,500
• Network repricing $9,300
• Insurance Pays 80% $7,640• Patient responsibility $1,660
-------------------------------------
Example of Monthly cost $875.00
Discount Card
• Bill charges $15,500
• Network repricing $9,300
• Patient responsibility $9,300
-------------------------------------
Example of Monthly cost $74.95
IAB Membership
• Bill charges $15,500• Network repricing $9,300
• Pays $1,000 per day $5,000• Patient responsibility $4,300
-------------------------------------
Example of Monthly cost $229.95
WHY PAY MORE WHEN YOU CAN MANAGE YOUR OWN CARE?
* The above are examples only, charges, network pricing, insurance payments and patient responsibility may vary and could be more or less depending on the medical condition treated, place of service, terms of coverage and other circumstances.
IAB Freedom for Life Membership Options
*If you have a Standard Membership, you qualify to add on either of the following upgrade options:
Choose Your
Own Affordable HealthCare Plan:
