Do you know that approximately 48 million American citizens do not have medical insurance? Even among the insured, only the wealthiest and those with comprehensive publicly funded care are fully covered. For everyone else, the broad range of primary services available and cost savings of Discount Health Care Programs (DHCP) may provide complementary or alternative solutions to meet a host of needs.
However, approximately ninety (90) percent of the American population is not Health Literacy (HL) proficient. This lack of HL proficiency adversely affects overall health status due to poorer health behaviors, and unwise fitness and medical care decisions. It also increases personal annual medical care expenditures no matter what combination of insurance and discount programs products and services are used.
It has also been said that given the expense of medical care, most people are just a single catastrophic illness or injury away from medical bill-related financial ruin. If you accept such a premise as true, then everyone should conceivably attempt to acquire at least some very high-deductible, nominal spectrum, and otherwise lowest cost medical insurance for coverage of possible occurrences of such catastrophic events.
In response, your newly acquired Health Literacy proficiency (taking into account your current health status, medical care requirements and financial capabilities) should drive future decisions regarding investment in additional medical insurance, DHCP products and services, and other related vehicles. Consideration of the specific options and implementation of the strategies is beyond the scope of this site.