Health care benefits are an important political issue in the United States, and many people are concerned about the quality of health care they receive and if the coverage is sufficient for their needs. Most employees receive some health care benefits, but usually, dental and vision care are not covered, not to mention psychological care or expenses for maintaining health.
If you feel that your are not sufficiently covered and lack the health care benefits you need, you might opt for a Premium plan, an option offered as an adjunct to most company plans, which, for a small premium, will allow you to receive the health care benefits you need. Some health care benefits that are often covered in premium plans are health club memberships if it is proven that exercise or physical therapy is needed, dental X-rays, teeth cleaning, eyeglasses or contact lenses, domestic health, arch supports, knee and wrist braces, blood pressure equipment, humidifiers, massage therapy and special schools. Usually a combination of these health care benefits and more are given, and some are simply discounted with proof from a doctor that a condition requires certain health care benefits.
If a Premium Plan is out side of you budget, you might opt for a referral plan for health benefits. A referral plans puts you in contact with doctors, dentists, optometrist, chiropractors and other professionals who have agreed to charge lower rates to members of the plan. This is like a “price club” for health care benefits, and the doctor is paid directly by the clients. Savings on these plans have been known to reach 50% or even 90% less than the out of pocket cost for the same health care benefits.
It is important to know that, whatever form of health care benefits you have or can afford, you should avoid skimping on a particular procedure or service a doctor prescribes for you because you can’t afford the premiums or the out of pocket expense. It is better to take out a small loan for a procedure you need than to try to correct the problem later on.