Wholesale Discount Dental and Healthcare Benefit Plans

Discount health plans provide employers with an affordable alternative to group dental and health insurance. Wholesale, affinity, and private label discount dental and healthcare benefit plans offer inexpensive options to supplement existing benefit programs.

Everyone is aware of the healthcare crisis today. The ever-escalating expenses, plus other rising costs faced by Companies, Associations, and Non-Profit Organizations all across America make it difficult to meet budget requirements. Best Discount Benefits will help you achieve significant savings on a wide variety of health, wellness, and other employee benefits. Let us help you enhance the value of being an employee or member of your organization.

By way of statistics, it's estimated that 28% of US adults, or an estimated 50 million people were uninsured during the past year. More than 20% of uninsured reside in households that earn $50K or more. A growing number of middle-income families can not afford health insurance payments even when the coverage is offered by employers. Sixty four percent of the unisured are employed full-time, year round. Finally, in 2008, uninsured Americans paid $30 billion out of pocket for healthcare.

Best Discount Benefits has served many groups over the years and has researched many providers. There are such dramatic differences in the plans being offered that considerable time and effort is required to decipher them. In addition, a myriad of “discount benefits” companies have sprung-up to offer sometimes questionable programs to those unfamiliar with the industry. Some plans have virtually no providers in many geographic areas. Some plans provide much deeper savings than others. Some plans offer only very limited benefits. All of these add to the confusion. To assist you to decide what is best for your company, here are some basic facts to consider:

Voluntary vs. Non-Voluntary Plans

How to know the difference and what to expect.

Voluntary Plans allow each individual member or employee the option to participate and pay for their own plan. The advantage is that there is virtually no cost to the company. The drawback is that plans set up in this manner typically draw rather low participation rates. Because of this, even if you have a very large group, discounts to normal plan costs tend to be minimal.

Non-Voluntary Plans are paid for monthly by the sponsoring organization, or company, for the benefit of the member or employee. This is when a company pays for a part or all of the cost of the benefit. As you would expect, the more the company pays, the larger the participation rate by the members / employees. In this type situation, generous discounts to normal plan pricing can be negotiated. The bigger the number of employees / members that can be guaranteed to participate on a monthly basis, the bigger the discount. Don't overlook the tax deductions of a non-voluntary plan.

Cost vs. Benefit

Discount plans offer a wide variety of benefits to your members or employees. Because discount benefits plans are not insurance, they are inexpensive, have no restrictions as to age or conditions, and have no annual limits.
Employees can choose plans that fit their individual needs.
There are no health restrictions or paperwork hassles.
Discount plans qualify under Section 125 Cafeteria Plans.
Discount benefits plans work especially well for temporary workers who may not qualify for normal benefits.
The real as well as perceived value of discount benefits plans is high and will significantly add to your retention rates. This is especially true for membership organizations.
Discount health plans provide employers with an affordable alternative to group dental and health insurance.

Some Questions to Consider

Does the plan provide nationwide provider coverage or the geographic areas you need?

What type guarantees does the benefit plan offer?

What is the quality of the after-sale customer service?

Complete the form and submit for more information:

First Name:	Last Name:
Company / Group Name
Address:
City:	State: Zip:
Contact Phone:	Email:

Number of Participants:

Type of Group: Voluntary Non-Voluntary

Reduce Your Health Care Costs Through Choice and Education