A Discount Health Plan Can Mean Affordable Care for You and Your Family

Times are tough in the telecommunication business sector – companies are losing money and people are losing jobs. Sam knows that personally because he is a casualty. Sam and his wife Linda, a secretary, are raising their two children in a North Dallas suburb. They are careful with their money and live within their means. But, when Sam lost his telecommunications job of 10 years due to downsizing, his family lost much of their healthcare coverage. Sam was especially worried about losing assistance for the vision and dental services that he knew his children required routinely. For Texans like Sam, American Health Benefits was the perfect solution for a discount health plan that filled in the gaps of vision and dental care.

Dental and vision insurance plans are designed to pay the costs associated with care. The insurance pays a portion of the cost from dentists, optometrists, and other service providers. The most common types of vision and dental insurance plans are Preferred Provider Organizations (PPO) or Health Maintenance Organizations (HMO). A third option to supplement the cost of dental and vision care is through discount healthcare plans or reduced-fee-for-service plans like American Health Benefits. These non-insurance programs offer subscribers, who pay a monthly or annual fee, access to quality care at a discounted rate from participating providers. Members typically receive a discount of 30%-35% off retail prices.

Sam and Linda needed to find a low cost or discount health plan that complemented his wife’s basic policy and provided both vision and dental coverage. Their oldest son wears glasses that he seemed to lose or break every month or so. And, his daughter is approaching 13 years old and her dentist has recommended that she get braces to straighten her teeth – a procedure best started between the ages of 9 and 12. Because Sam had the free time, he was in charge of finding a low cost health plan. When he began his search, he found hundreds of alternatives – every plan had different deductibles and covered different procedures. No two plans offered identical benefits for comparison and each plan had unique limitations and exclusions. Some plans even talked about usual and customary fees. Whatever that was, he knew that it would directly affect his out-of-pocket expenses. Sam learned that for dental and vision insurance plans, just like car insurance, the higher the deductible he was willing to pay, the lower the annual or monthly premium. But even so, he found that dental and vision insurance was prohibitively expensive for their budget with costs ranging from hundreds of dollars per year to over a thousand.

Then he found the American Health Benefits website. Here was a company that specialized in medical savings programs. No more confusion about selecting procedure specific deductibles, HMOs versus PPOs, indemnity plans versus networks – at American Health Benefits, Sam could save money on virtually every medical service his family needed. And the really good news was that American Health Benefits offered discount medical plans that included vision and dental services from a network of over 350,000 providers. Here was a discount healthcare plan he and his family could afford. Sam found all the information he needed about American Health Benefits’ discount health plan on their website and he was able to register online. Sam knew he had finally found a company that understood his situation and was there to help him.

If you’re an individual or couple with a situation like Sam’s and you need more information on discount medical, vision, and dental plans in Texas, call 1-888-484-1991 and speak with a representative today!