Facts & Articles On The Different Types Of Insurance

Group Health Insurance Too Expensive? Prepaid Medical Plans are Healthy Alternative to Insurance for Employee Health Care

Austin, TX (PRWeb) December 8, 2006 -- Employee Health Insurance is no longer affordable for many Employers. According to recent reports by the Kaiser Foundation, the cost for employee coverage is now three to four thousand dollars annually. 40% of employers simply cannot afford that expense and do not offer health insurance. Others are forced to drop current insurance plans, increasing the number of employees without any coverage. Prepaid Medical Plans, offered by MDplans is an affordable solution for many employers to provide basic routine healthcare services for their employees.

The Prepaid Medical Plan concept is basic and simple. The employer pays a small monthly fee for its employees that do not have health insurance. The employee has the ability to go to a preselected medical provider's office for routine care of an minor injury or illness. The employee does not pay a copay or fee for the office visit and basic routine procedures. Prepaid Medical Plans permit employers to contract with providers directly for basic clinical care. Providers are paid in advance eliminating billing and claims issues. MDplans provides the administrative services to implement the program.

Research of insurance claims data from a cross section of several employers indicate that almost all medical care that employees receive is exclusively from the medical provider in a clinical setting. Prepaid Medical Plans offers coverage for this basic need at a very small fraction of the cost of insurance. In most service areas the total cost per employee is only $50 monthly. MDplans also includes PPO Provider Discounts for services outside of the medical clinic. Other benefits include: Discounted pharmacy, dental, vision services and 24/7 Telephone Hotline service with Nurses and Doctors are available for consultation after hours or for general medical advice.

Preventable illnesses and medical conditions comprise approximately 80% of the burden of illness and 90% of all healthcare costs. "By offering a simple doctor's office visit to employees for routine care we can help keep workers healthy and productive. Early diagnosis of most diseases can greatly reduce or eliminate the high cost of delayed treatment." said Roberto Miranda, MD, Founder of MDplans.

MDplans is careful to point out that Prepaid Medical Plans are not insurance and are not intended to replace insurance. Prepaid Medical Plans are for those employers who can not afford traditional insurance but want to provide a basic level of healthcare for their employees. Because it is not insurance, this benefit can be provided for all employees, full time, part time, seasonal or temporary.

Insurance products such as catastrophic coverage will be available through a network of licensed insurance agents for those who desire to purchase additional coverage to supplement this plan. Employers and interested medical providers are encouraged to contact MDplans for additional information at www.mdplans.com or call Caroline England @ 512-215-4408

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