Cash –You can buy it as you need it, and pay the cost out-of-pocket. The biggest drawback of the “Cash”, or what I refer to as the “If We are Lucky Plan…”, is that there is no protection against major injuries or illnesses. Over 24% of Texans are uninsured, with a quarter of those uninsured choosing the “Cash” plan. This is about 6% of the total population.

These are the advantages

1. There is no monthly premium / fees
2. Ask for a Cash Discount from Healthcare Providers
3. All available

There are disadvantages

1. There is no financial protection against the possibility of major illness or injury.
2. Accessing healthcare services without insurance can be difficult; some providers may require payment in advance
3. The entire bill for medical treatment is yours

Get a Discount on Your Health CardWith an “Affordable Healthcare Discount Card”, you can buy it as soon as you need it, and pay less. You can access contracted network rates for a monthly or annual fee without having to purchase a Health Insurance policy. This plan is a variation on the “Cash” plan. You don’t have protection against major illnesses or injuries. “The FTC and many other states found that while some discount plans offer legitimate discounts that are beneficial to their members, they often take money from consumers and offer very little return. Federal Trade Commission.

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These are the advantages

1. Monthly fees very low
2. Some healthcare providers offer discounted care
3. All applicants are normally eligible

There are disadvantages

1. There is no financial protection against the possibility of major illness or injury.
2. Accessing healthcare without insurance can be difficult; some providers may require payment in advance
3. You still have to pay the entire bill even if you get a discount

Limited Benefit PlanA monthly premium is required to purchase a policy with defined benefits. These mini-med insurance plans are often called “Affordable Healthcare” and offer a fixed monthly premium for a specific treatment. The maximum benefit is usually under $100,000. These plans don’t meet the “my brother” test – would these plans be able to cover the healthcare costs of my younger brother with lymphoma? – I will not sell them. The limited benefit plans and healthcare discount cards are aggressively promoted on the internet. You can search the internet for “affordable health care” or “low cost insurance” to find countless results. There is no free lunch when it comes to health insurance. The benefits of a plan that is too expensive are not worth it.

These are the advantages

1. Monthly premiums less expensive
2. Some healthcare providers offer discounted care
3. Medical procedures are not covered by the limited insured benefits
4. Access to care is improved
5. There are few enrollment restrictions

There are disadvantages

1. Incomplete financial protection against the risk of major illness or injury
2. Some healthcare providers may need advance payment due to limitations in their benefits
3. After you have received any benefit or discount, you will pay the balance of your medical treatment bill

Major Medical Insurance –

This policy is called “Traditional Medical Insurance”. It’s for both individuals and families. A monthly premium is paid for insurance that covers a broad range of healthcare risks and has a significant benefit limit (often $1 million). Major Medical Insurance policies are sold using a network concept known as a “PPO” (or Preferred Provider Option). Many plans offer co-pays for prescription drug purchases and doctor visits, which help to reduce out-of-pocket costs.  Cenforce 150mg is one of the most popular products used by people to come out from erectile dysfunction. Cenforce 150mg prevents the function of the enzyme over the arteries and thus helps in continue a smooth flow of blood to the male organ.

These are the advantages

1. Protect yourself from financial risk due to a major injury or illness
2. Discounts for providers if they are “in network”
3. Access to quality healthcare providers and treatments is improved
4. Encourage preventive health treatment
5. Routine healthcare is covered at a lower out-of-pocket cost

There are disadvantages

1. Premiums are high monthly
2. All applicants must pass a health screening to be eligible
3. Maternity coverage is generally not available
4. For the lowest out-of pocket costs, you must use “in-network” providers

High Deductible Plan with optional Health Savings Account

This policy is called a “Major Medical Policy”, and it allows you to deal with major illnesses. However, this is only available if your annual deductible has been exceeded. You can set aside money for healthcare expenses in an optional tax-advantage savings (H.S.A. or “Health Saving Account”) before you reach the deductible. A family plan that is a prerequisite to a Health Savings account in 2009 can have a maximum deductible of $2400 and a maximum deductible limit of $11,900.

These are the advantages

1. Protect yourself from financial risk due to a major injury or illness
2. Discounts for providers if they are “in network”
3. Access to quality healthcare providers and treatments is improved
4. You can save money on future medical bills by opening an optional Health Savings Account.

There are disadvantages

1. Monthly premiums (lower than Major Medical Plans, but still significant)
2. All applicants must pass a health screening to be eligible
3. Maternity coverage is generally not available
4. Healthcare requires more options
5. Higher deductibles and lower co-pays

Optional Health Savings Account – Additional Benefit

1. By saving money in H.S.A., you can reduce your taxable income. account
2. Keep it, or use it. Any funds that are not used for future medical expenses will be retained.
3. The tax advantage of a saved fund can be used to pay for a wide range of healthcare expenses.