The gulf between those able to access quality health care services and the underserved masses of the country is widening at an alarming rate. The economic downturn and financial constraints have significantly worsened the situation, causing more people to avoid seeking proper medical attention. The health care industry must shoulder some of the burden for creating an affordable solution to the rising expenses of primary health care.
Although there are an abundance of program providers in the market, consumers have a difficult time finding supplemental medical insurance plans or health care assistance programs that are backed by long-standing and trustworthy organizations. Many carry exclusions and severe limitations, denying coverage to those who need it most: individuals with low incomes or non-citizenship status.
While the Internet is a good place to begin research, a simple Google search will not be sufficient to identify the best programs, the most robust benefits, and, most importantly, a good track record. To choose the best-suited plan, people must have a clear idea about the type of insurance coverage that responds to their needs.
Here’s where a skilled broker or agent can help both individual consumers and small employers looking to provide a budget-friendly program to their part-time, seasonal, or otherwise formerly ineligible employees.
Health care assistance programs to the rescue
For the under-banked and under-employed, purchasing a traditional insurance program outside of employer sponsorship may be simply impossible from a financial perspective. To close this gap, many health insurance providers now offer affordable alternatives in the form of limited liability, short-term medical, and discounted medical programs.