There is a new health care delivery system on the market called “Consumer Driven Health Care,” more commonly known as Health and Dental Discount Programs. As with many cutting-edge concepts, this one has created a bit of controversy.
It will come as no surprise to learn that the people making the most noise on one side or the other of the issue are the ones who are make their living in the health benefits industry.
Unfortunately, this professional “siding up” just leaves the general population stuck in the middle, confused and wondering what is best for them.
In reality, there is no reason to be up in arms over the new Health and Dental Discount Programs. These programs are not meant for everyone, but rather they were designed specifically for the people who have slipped through the cracks in the current health care coverage system.
If you have health insurance now, keep it! If you can get comprehensive health insurance, get it.
If, however, you are in one of the following situations, becoming a member in a dental and/or health discount program may very well help you:
1. You have been turned down for all health insurance due to a pre-existing condition.
2. You have a pre-existing condition, have been accepted for “high risk” health insurance, and are left paying out of pocket for your care until (or unless) the cost reaches a set deductible that is very high (for example u