Why Ameriplan?

I get this question all the time in my daily work and I find it to be an excellent question and one I love to answer...........

Although the Ameriplan DentalPLUS plan may or may not fill your needs it's important as consumers that we take a pro-active approach to our own healthcare... As we are all seeing as each day passes that jobs are far from safe these days and along with that steady employment that we were all so used to goes good health and dental benefits...

For many of us, with our employment came a benefits package, some fantastic other not so much, but either way we rested easy knowing that we had access to quality healthcare if and when we needed it....As the years have passed however, we've all seen a steady rise in employers drastically reducing the employee beneftis and doing away altogether with dependent coverage...

Although as a nurse I never really understood this tactic until I myself became self employed and then I got a crash-course in the actual expense to the employer to supply these benefits as I was now faced with paying for them entirely myself........

Did you know that on average the cost per employee to furnish them with a health plan ranges on average between $425.00 a month all the way up to $600.00 per month and sometimes even more...... Times this by 100 employees and that employer is paying out anywhere from $42,500 to a whopping $60,000 each month just to do so.....

It's no wonder why so many businesses are closing shop or at their best no longer offering health or dental plans to their employees....When I was faced with this personal decision I carried "COBRA" for 3 months after leaving my nursing position and found out quite quickly the costs involved with the luxury of an employer paid plan.....

"COBRA" which is simply put, made available to all employees who leave an employer or are layed off, are the exact same health benefits that the employee had while employed only now the employee or ex-employee has the option to purchase them for the same amount of money the employer was........( http://www.investorwords.com/918/COBRA.html ) .

For me that was a rude awaking as for the 3 months I payed to continue them ran us $860.00 per month and that was for just my husband and I with no dependents..Needless to say I hit the internet and mainly Google and thru much research found a very affordable alternative to traditional health insurance and that is in the field of Consumer Driven Healthcare (CDHC)......

What I found were several companies in this arena but one in particular stood out and that was Ameriplan.... CDHC is a category in healthcare that simply put is driven by the Consumer, ie: you and me....

When you use a plan like this you have access to thousands of quality providers nationwide and in turn when you have medical or dental services rendered you are guaranteed reduced rates at the time services are rendered... For the plan I carry regarding dental, I receive savings of between 25%-80% off of all dental needs including costmetic dental procedures such as teeth whitening..

In this particular plan I pay $19.95 per month and I receive a fantastic plan that includes: Dental, Vision, RX and Chiropractic... The real kicker here is that my $19.95 a month plan premium is guaranteed not to increase for a full 2 years and it is a 'household' plan which gives the same benefits for up to 20 people living in my house regardless of age, relation or pre-existing conditions, and there are no plan 'limits' like with insurance so if you can afford the reduced rate, you can have the service....

These type of CDHC plans work the best when partnered with a Major Medical plan which I also carry thru a major carrier Blue Cross so for my $19.95 a month I have dental, vision, RX and chiropractic benefits, plus with Blue Cross I have major medical in case I need to receive major medical attention and that runs me about $191.00 a month and that rate isn't locked in like with my Ameriplan program...... So for under $200 I can cover my household with dental, vision, RX and chiropractic benefits and for myself I have all bases covered in the event I need to seek medical attention...

The key with the Ameriplan program is that I pay for services at a reduced rate " as I need them " not in case I need them as so many do.....With so many of us and those numbers growing by the thousands each and every day, now being faced with a loss of income as well as benefits, it's so important that we all take the time to educate ourselves on the affordable alternatives available to us instead of sitting by the way-side waiting for someone else to take care of us... .

It's simply to dangerous for our health, mental well being as well as our financial situations to walk day to day without access to quality affordable healthcare......

You can learn more about Ameriplan's Affordable Dental & Health Plans at http://www.APDentalBenefits.com .

Stay tuned: On my next post I'll talk about Universal Healthcare and why its NOT the answer to this subject....