However, employers must consider if this cost reduction strategy is helping the medium to long term growth of their companies. If one would think about it, what is more costly? The premiums a company has to pay for group health insurance or the cost to lose a good employee to a competitor who offers health care benefits? Indeed there is a higher price on the down time, training costs, and lost sales or manufacturing. Fortunately it no longer has to be a choice of one or the other.

One solution for high cost of health insurance premiums is a non-insurance solution. Discount Health Care Plans. This alternative to health insurance only costs a fraction of what a traditional group insurance policy would. More importantly, it still meets the health care needs of a company’s employees on a discounted basis.

These programs are not insurance but rather medical savings programs. It's more like having a health care advocate by which medical bills of members are reduced before they even start. Employees still have to pay for their healthcare, but the employer gets the credit of giving them substantial savings on medical, dental, vision, hearing, pharmacy and many other types of necessary medical care. These programs can also be used to supplement existing insurance programs with high deductibles or policies that pay a flat fee for hospital stays or certain conditions.

Affordable health care becomes possible through group representation. Discount Health Care Plan providers carry enough clout to get prices reduced down to what insurance companies have enjoyed for years. In other words since they have enough participating members, they have superior buying power in order to negotiate discounts with providers of medical products and services. Some Discount Health Care Plans have been around for 23 years. These programs combine fully insured benefits to health care providers through group blanket policies that cover its members.

These Plans provide affordable health care coverage to its members by giving access to hundreds of thousands of doctors, dentists, specialists, labs, pharmacies and hospitals throughout the U.S. that have agreed to charge significantly reduced pre-negotiated rates for procedures that can be done. Healthy discounts of 30% to 70% off medical, dental, vision, hearing, prescription and chiropractic care. For the uninsured or under insured this often makes a world of difference in their ability to receive needed medical care. Acceptance is guaranteed, anybody young or old, regardless of pre-existing conditions can participate and some even covers maternity.

Several features of discount health care plans come as an advantage. There are no claims forms to fill-out, no limitations, no waiting periods or pre-existing conditions, no age restrictions, and with some you can become a member today and get healthcare treatment the day after. That’s why testimonies of members like one below are not uncommon.

"To date, I’ve had the opportunity to utilize the discount health care services on numerous occasions and have always been pleased with the savings. Last February, I had a hospital bill that was $2900.00 and reduced to just $410.00. I had a pinched nerve in my shoulder and went to the chiropractor. The initial charge was $620.00, but I only paid $203.00. My chiropractic treatments also went from $62.00 to $40.00. At the dentist, my savings have been about