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| About Our Broken Health Care System Everyone is talking about health insurance. “It’s too expensive.” “We’re stuck for an answer when employees ask why we don’t offer some kind of health insurance benefit.” “The high rates are killing me! ” You’re right. The system IS broken. Today, over 45 million people are uninsured so the problem is nationwide. But, we’ve found a solution and it’s available immediately, for the benefit of many, but not everyone. Today’s solution works for the individual, the small businessperson and his/her mid level employees, hourly workers, temporary employees and others who simply cannot afford to pay the outrageously high premiums that are today’s standard. The solution does not work for the approximately five percent (5%) of the population who have catastrophic healthcare problems through no fault of their own and whose cost of care represents the largest single contributor to today’s continually escalating healthcare costs. The solution comes in the form of a healthcare plan we call a Limited Indemnity Plan that is doctor and hospital insurance enabling both in-network and out-of-network benefits. Such Plan pays for the first dollar of a claim as well as the day-to-day common expenses one typically incurs such as doctor visits, wellness check-ups, lab and x-rays, hospital expenses, surgery, anesthesia, emergency room services, and much more. Individuals are eligible, the only qualification is one must be less than 65 years old (at 65 one becomes eligible for Medicare). The policy is guaranteed to be issued. There is no medical exam. Of course we are all doubting Thomases so the next question is … where’s the catch? This is the best part … there is no catch! Our solution provides MEDICAL INSURANCE BENEFITS THAT ARE CLEARLY DEFINED, WITH MANAGABLE COVERAGE LIMITS, AT AN AFFORDABLE PREMIUM. The result is economical healthcare coverage with an insurance premium less than 50% of what a traditional major medical plan would cost. Paul S. Rothman |
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