Chad Harris want you to name your price for heath care
Naming your own price for health insurance seems like something a game show would be titled, but its something the No Insurance Club is striving to do on a daily basis.
Yes this sounds a little strange but Chad Harris the CEO of the No Insurance Club has come up with a way to make paying for insurance a lot easier. As of right now the No Insurance Club is active in 10 states: New York, Pennsylvania, North Carolina, Georgia, Illinois, Indiana, Missouri, Arizona, California and Washington. Within those states there are doctors that offer preventative services.
With a one time fee (Singles: $480, Couples: $580, Families: $680) you will get 12 annual doctor visits, blood test and other preventative testing. Now these prices might seem pretty high but here is a perfect example as to why this price is pretty reasonable. A 24 year old female who is healthy pays 85 dollars a month for insurance from her job. Now if you add that up for the year its $1,020 and this price does not include any co-pays you would have to pay or any prescriptions you might need. With the No Insurance Club, there are no co-pays for doctors visits and you don't have to get a physical before enrolling. So if you have any pre-existing conditions that's cool. You can still enroll with no penalties. Another plus about the No Insurance Club is the money that you pay goes directly to the provider. There is no middle man or any extra fees that you might have to pay if you were going through a insurance company. This is a win-win situation.
Now there are some challenges, but all that does is leave room for improvement which Chad was eagerly willing to explain. This is strictly a preventative insurance plan. It does not cover any ER visits, no kinds of surgery or any form of rehabilitation. These challenges are soon to be fixed with a new and upcoming program that Chad and the staff at the No Insurance Club have been working on. This program will create the demand for much needed medical services all over the country through a brief TV show hosted by a former Ms. Arizona to be debuted September 1, 2009. It will put a humorous spin on the health crisis we are going through and give millions a chance to name their own price for health care services. Chad offers this example: If 1000 people are at risk for heart disease in a particular area, Chad talk to the local doctors, let them know of the demand. Now you would be able to get a heart calcium scan, 64 slice 3D image of your heart with a print out and 20 minutes with a heart specialist. This test is normally $200, but now its $99.
The question arose about whether Senior who use Medicare/Medicaid were able to use services like the one just described. But due to regulations and other rules, those people that are utilizing Medicare/Medicaid are not able to participate in services that are offered. Chad hopes that with new reform this can change and more people will be able to participate.
Chad Harris describes the No Insurance Club as Wellness System rather than the Sickness System that we have now. He says that the system we have now feeds off of our illnesses rather than trying to prevent them in the first place. With the new program that is coming down the pipe Chad hopes to greatly expand the services that can be offered and put the power of health care back in the hands of regular people.
Visit the No Insurance Club Website for more information
Comments
Interesting article but somewhat unrealistic. People who are
"healthy" do not need 12 office visits a year. The purpose of insurance is to prevent risk. You don't buy car insurance to pay for your oil changes but to cover you if the car is in an accident. This is the same thing. The name is accurate because it is not insurance at all. But many gullible people will think they have some " health insurance coverage" and perhaps pass up real health insurance because of that. The concept is interesting but I think the name should be challenged as misleading.
Got something to say?
Examiner.com is looking for writers, photographers, and videographers to join the fastest growing group of local insiders. If you are interested in growing your online rep apply to be an Examiner today!