I wrote this today to help you decide whether Consumer Driven Health Care is right for you or not. Not everyone will benefit from it, but many can. Consumer Driven Health Care can be looked at from more than one point of view,and can represent a number of different types of programs. Normally, CDHC refers to health insurance plans that allow members to use a personal health savings account to pay their expenses directly. Standard health insurance policies can better protect people from catastrophic events that can cause outrageous medical expenses, but usually always have a high deductible. Using the program I will talk about later, only a small monthly membership fee is required and there are no deductables.

In the example where a person holds funds in a special savings account, it is considered "consumer driven health care" because standard claims are paid using a consumer controlled account rather than a fixed health insurance benefit. This gives people much more control over their own health care budgets. And with the economy the way it is, people need to be in control of their own health care coverage. Imagine if you could pick and choose the coverage you wanted, and only pay for what you need. That is the type of programs I promote.

Like I was saying, there are discounts programs available that don't require any deductible when you need care, and can save you thousands on major accidents. Though family care is in the forefront of the discount health care industry, individuals can enjoy the same affordable savings. Some of these consumer driven discount programs only require a $60/mo membership fee, which is pretty cheap.

Consumer driven health care became more popular in the USA in 2003, when federal legislation provided tax incentives to those who choose such plans. Most Americans will end up paying less for health care in the long run using CDHC because their monthly membership fees are lower.

Even if you have traditional health insurance, CDHC discount plans can be used to offset the costs that your insurance doesn't cover. And for people who can't afford insurance at all, having a discount plan that cuts their expenses dramatically and costs well under $100/month is something they are going to look into.

Nowadays, patients with chronic diseases can manage their conditions and control their health care in ways unheard of only a few decades ago. For example, people with diabetes can be trained to inject their own insulin, monitor and log their blood glucose levels, and use the results to adjust their diet, personal activity and dosage of medication. And now with discount programs on the rise, even diabetics can get on a plan to save a ton of money on their supplies.

If you have health problems, or are simply facing the high costs of traditional health care, you need to consider some type of consumer driven discount program to get the most out of your hard earned money.

I don't have health problems myself, but I can appreciate paying a small monthly membership fee for my entire family rather than having the mainstream health insurance that most people have. Just because it costs more, doesn't make it better. I can get the same treatment as anyone else, but I am paying far less per month to stay on MY plan. Since my plan covers my entire household, and I have 6 people in my family, it really works well for me.

Get quality care that you can afford.

Sincerely,

Andrew Hittle