What You Should Know To Save Money On Healthcare by Irina

increasing costs and patient rights laws force more

employers to drop or cut back on health benefits. Bottom

line -- those still insured will have to pay even more for

Joe's LIFESTYLE DISORDERS.

What to expect

- The average price of prescriptions is rising 4% per year;

- The average senior citizen takes 3.3 medications every

day;

- 60% Americans require corrective lenses;

- Over 33 million need hearing aids -- yet only 6% can

afford them;

- 19 million Americans use chiropractic services that are

not covered by insurance;

- Approximately 10 million suffer from substance abuse --

the cost of treating this illness is often not covered by

insurance;

- Another 5 million are suffering from mental illness that

again is often not covered.

The solution

Americans spend nearly $200 billion annually on OUT OF

POCKET healthcare expenses or nearly $1,000 per person per

year. Most of this is paid for at FULL RETAIL prices.

As a solution to rising costs consider a MEDICAL SAVINGS

ACCOUNT. This concept is like an IRA for healthcare.

Instead of sending ever-increasing premiums to a black hole

called insurance company, you buy a high deductible

"catastrophe" plan and pay for the everyday health

maintenance and routine medical procedures out of pocket

with the help of your tax-free medical savings account.

You can further minimize your out-of-pocket healthcare

expenses through various Healthcare Savings Programs. They

negotiate prices on behalf of their members and provide

access to the same networks of healthcare providers that

large insurance companies use. The service is available for

a modest monthly fee that is only a fraction of an

insurance premium for similar coverage. No long-term

commitment is required and -- to make these programs even

more appealing -- all pre-existing conditions are accepted.

For example and details see

http://www.careentree.com/310559

Summary

Healthcare today is 50(!) times more expensive than it used

to be in the 1960s and shows no sign of getting any

cheaper. There is no free lunch in America -- the only way

to save money on healthcare is to understand current trends

and take appropriate action.

(C) by Irina 2003.

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About the Author:

Irina helps people save money on healthcare and create

steady stream of residual income working from home

http://www.megaone.com/hbb/savemoney/

http://www.megaone.com/hbb/makemoney/

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BIO:

Irina helps people save money on healthcare and create
steady stream of residual income working from home
http://www.megaone.com/hbb/savemoney/

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