Exclusive MD and Small Businesses

We were very fortunate to of had the opportunity to share our concept with the Kansas City Business Journal but a decent portion of our interview was focused on health reform particularly for small businesses which was not included in the feature article. I did not want to let this opportunity go away. Exclusive MD has a program called "Corporate Choice" which is geared towards keeping employees healthy not only through sick care but with more of a focus on prevention and wellness. Our goal is to keep employees productive, decrease sick days, and decrease time away from work. A recent survey sent out to local Leawood businesses small or large showed differing stories in regards to health care and more importantly rising health insurance premiums. What resulted was that although all business were affected mostly small businesses felt the most pressure from these rising costs. Some forcing them to remove health insurance all together. Exclusive MD's Corporate Choice program gives you a different and better option. To decrease health insurance premiums, we promote switching from the typical PPO plans to a high deductible or catastrophic health plan paired with a health savings account (HSA). The savings typically can range from 30-60% decrease in premiums. Those savings leave more than enough for such employees to individually contract with Exclusive MD for all their primary care needs and still leaves them with more money to save.

Exclusive MD and Small Businesses

HSAs and Choice

I read about this fascinating story below about the ability to be in control of your health care.

For the first time in my life, I don’t have Dental Insurance.

I do, however, have an HSA which can be used for all dental-related expenses.

Today, I went to my 6 month dentist appointment. At the start, they wanted to give me my yearly x-ray, and so — now that I’m in control of my medical expenses — I questioned the necessity of them.

In the end I decided to spring for the extra $50 and get the x-rays done. But it was my choice, since it was my expense (I wouldn’t have questioned it if I knew my insurance was paying for them regardless).

As it turned out, I have a cavity on one of my back teeth (floss, people!) which they wouldn’t have found without the x-ray. If they wouldn’t have found it, over the next months it would have gotten worse, and then my problems — and personal expenses — would have gotten much worse.

I don’t know what it means — and I certainly don’t know if there are any implications for the current Health Care debate — but this experience was very empowering for me. I got to make a decision about my health expenses and in the end, I win.

I’ve also recently switched to a high deductible plan with an HSA. I’ve found it similarly empowering. It’s a wonderful thing. I can’t help but think that this is the way healthcare should work. (via innonate)

I am a big supporter of High Deductible Insurance Plans with HSAs (Health Savings Accounts). I will post more about these plans in the future to help people understand how to save money and at the same time receive better care. Its a win-win for everyone. The unfortunate truth is that Obama's Health Care Reform plans on banning HSAs and even further removing patients from the true cost of medical care.

HSAs and Choice