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Emerging Pre-Paid Cash-Based Medicine
By Bob Grove
Healthcare in America is in Turmoil. The No Insurance Club [NIC] feels private contracts may be the solution. More and more Americans are going without healthcare especially preventative healthcare. The reasons – costs are too high, patients can’t get accepted due to a pre-existing condition, companies are cutting back on benefits, people have been laid off from work; and the list goes on.
Governmental Solutions
What’s being done to improve healthcare? Barack Obama and the Government want more control and regulation and the system seems to be leaning toward socialized care. Private insurance companies continue to increase premiums, which prices healthcare out of reach for the average American. Employers can no longer float the cost of insurance so they pass it on to their employees. Patients aren’t the only ones being affected by the current state of healthcare. More and more doctors are going out of business and hospitals are cutting back due to escalating costs and payment defaults.
Private Solutions
The current remedy; Americans are taking out private major medical policies for catastrophic events with high-deductibles [MSA/HSAs] to keep monthly premiums down, or are turning to Medicaid, mini retail-clinics at grocery stores/pharmacies, and emergency room visits for common illnesses.
Innovative Solutions
What about prevention and maintenance? More than 90 percent of health related issues can be taken care of with preventative care and maintenance but only a small percentage of Americans currently enjoy the benefit of preventative healthcare.
The No Insurance Club
The NIC has come up with a fresh look at healthcare by offering an affordable alternative to traditional insurance options.
NIC Benefits and Features
The No Insurance Club connects patients with participating board certified physicians that will treat and care for preventative healthcare needs for a one-time prepaid annual membership fee:
- NIC patients make a one-time annual payment that is typically less than a one-month premium with traditional insurance.
- Patients receive up to 12 office visits per year that also include immunizations, $4 or less in-office prescriptions, and additional services including blood tests.
- No deductible, no co-pays, no premiums.
- No surprise bills to patients.
- Viable alternative to COBRA for employees laid off from work.
- Low cost option for the self-employed.
Assessment
What’s in it for the doctors? How about no insurance clerks, no need to snail mail medical insurance claims or use expensive electronic claims submission clearinghouse services, no bad debts or bad expense write-offs, no ARs; and fast cash!
Link: http://www.noinsuranceclub.com/
I would be happy to speak with and connect ME-P readers, participating doctors and even patients for interviews to learn more about the NIC network and its benefits.
Bob Grove
Wild West PR
(801) 651-0290
bob@wildwestpr.com
Conclusion
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Filed under: Career Development, Health Insurance, Information Technology, Managed Care, Media Mentions and PR | Tagged: ARs, bad debt expenses, BDE, cash medical visits, COBRA, david marcinko, HMO, Medicad, medical ARs, medicare, no insurance club, obama, PPO, pre paid health care, private pay health care | 3 Comments »
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