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Health Insurance in the US
From 2004 to 2013, medical care items in the US has increased by 37.1%, physicians' services increased by 27.3% and hospital services increased by 73.0% as shown in the consumer price indices.
As such, it is important to be protected by a health insurance cover with the escalating medical cost.
Unfortunatley, in 2013, there are 42 million or 13.4%(compares to 48 million or 15.4% in 2012) of population in the US are uninsured with health insurance as shown in the U.S. Census Bureau survey.
64.2% or 201.1 million(compares to 63.9% or 198.8 million in 2012) people is covered by private health insurance(169 million on employment-based, 34.5 million with direct-purchase), while 107.6 million(compares to 101.5 million in 2012)
people is covered by government health insurance(49 millions with Medicaid, 54.1 millions with Medicare and 14.1 million with Military health care).
Note: Some people have more than one type of coverage.
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Start Saving 10 to 60% on Dental Care
A dental savings plan functions a lot like a membership at a warehouse club. You pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Choose from 40+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. We have affordable plans to fit any need and budget. And, depending on the plan you choose, you'll save 10% to 60% on your next visit.
Our plans cover more than 140,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.
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Savings plans are NOT insurance and the savings will vary by provider, plan and zip code. These plans are not considered to be qualified health plans under the Affordable Care Act. Please consult with the respective plan detail page for additional plan terms. The discounts are available through participating healthcare providers only. To check that your provider participates, visit our website or call us. Since there is no paperwork or reimbursement, you must pay for the service at the time it’s provided. You will receive the discount off the provider’s usual and customary fees when you pay. We encourage you to check with your participating provider prior to beginning treatment. Special promotions including, but not limited to, additional months free are not available to California residents. Note – not all plans and offers available in all markets.
Net premiums written
Health insurance in the US includes medical expense, disability income and long-term care. Asides from private health insurance companies,
the private health insurance is written by property/casualty (P/C) and life/health (L/H) insurers as well.
L/H insurers reported a $173.88 billion net premiums written on accident and health in 2013, an increase of $3.18 billion or 1.86% compares to $170.70 billion in 2012.
P/C insurers reported a $6.57 billion net premiums written on accident and health in 2013, a decrease of $1.84 billion or 21.88% compares to $8.41 billion in 2012.