4 Promising Alternatives to Health Care Insurance

​Because traditional health insurance is rising every year, people seek alternatives that also offer similar coverage and protection without spending too much. Here are four promising options that are worth considering.

1. Primary Care Memberships
   There are medical practices and private physicians of primary care that provide services where you pay monthly, more similar to gym memberships. This is also known as concierge medical service. You or your family have the benefits of all the typical offered assistance by a primary care physician, which includes unlimited visits to the doctor, pediatric care, and blood tests without co-pay. However, the arrangement does not cover major medical expenses such as hospitalization, surgery, specialist care, or treatment of severe injuries. Those that choose this option need to acquire the additional high-deductible policies that include coverage of catastrophic injuries or illnesses.
   
   
2. Medical Cost Sharing Programs
   Those that participate in programs, including Medi-share, have monthly payments quite like insurance premiums. Because of pooled resources, they share rising medical costs. Members that require therapeutic services need to pay “incident fees,” which are quite similar to co-pays. The pooled fees cover what remains of the medical expenses. Most of the time, the programs negotiate with primary care physicians to provide discounts and maintain cost reduction. The given fee every month is less than the custom health insurance while still providing similar reimbursement levels.
   
   
3. Health Savings Accounts (HSA)
   Having an HSA can aid in medical coverage while providing tax benefits. However, if you want to include catastrophic injuries or illnesses in your account, you’ll have to add a high-deductible health plan (HDHP) in your policy. Health savings accounts are available for employers, but interested individuals can also set one up. Payments in an HSA are already deducted on pre-tax. Also, you won’t be tax penalized as long as you use the money you withdraw for medical expenses
   
   
4. Medical Services Discount Cards
   If you prefer operating using cash for medical costs, there are plenty of available medical discount cards. You can use some for hospital and physician services, medications, or both at the same time. Discounts can range up to 80 percent or more. There are cards that you only pay once as a membership fee, while others have small prices every month.

Ever since before, healthcare has always been expensive. Despite being in tip-top shape, there are still injuries and illnesses you can’t avoid. If the traditional health insurance policy is too much on your budget, then the options mentioned above can help.

At Roper Insurance Services, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (828) 697-6709. You can also request a free quote by CLICKING HERE.