Ambient DecayChapter of Health - Section 1 - Consumer Driven vs Insurance Driven
CDH - Scam or the next thing in health Care?
For the past 6 months or so I've been scouring the internet to find a legitimate home based business. I've gone from selling potions and lotions to CDH ( Consumer Driven Healthcare). Yet to no avail, have ANY brought in any sort of income.
People are always looking for a new way to get extra income so they can possibly have a life AND have money in it. Most of the home business advertised on Google, Monster, Jobster, Career Builder, and Yahoo Hot Jobs, ask for a small but relevant "investment" to start with the program. Most say it's required so that they can weed out the "non-serious" applicants from the serious ones. Others say that every business requires at least some type of investment to start-up. Heck, There have even been programs that simply, yet subtly, say " Give us your money and you won't regret it, YOU'LL BE A MILLIONAIRE!". Yet if you look at the bottom of the page, next to the small asterisk with a very light font you'll perhaps find an interesting notes saying: " Results will vary, These testimonials do not reflect the earnings of the average user." Well, kind of sounds like the warning label on a pack of cigarettes wouldn't you say?
Relatively new to the whole Home Based Business fold is Consumer Driven Health Care. CDH for the most part is found through out the stream of listings of sites and searches under Health and Fitness, Health Care, and oddly; Health Insurance. Now why would CDH be so odd in the Health Insurance field you may say. Well for one, the whole CDH genre takes pride in the fact that they proclaim and boast that it is NOT insurance but a Discounted plan. AH HA Watson, a clue!
How CDH is broken down like this. A person will apply as a "broker" for the company, yet be a contractor and run their own business. (What? How can you be a broker and yet be your own private company?) The broker than finds a list of people that are looking for a low cost way of insuring themselves for health care. The broker then goes on and tries to "enroll" the people on the list as either a member or a broker themselves. Now if the person becomes a broker themselves, then they are told they get the membership package as a gift, but you must start selling the product as well and accept any fees that incur doing so. If the person decides they only wish to become a member they will have to only pay for the monthly fees that deal with being on the providers list.
CDH professes that they are able to give users a steep discount when they go to selected providers in the area on the listings, that range from 50-80%. Now these discounts range from Physicians to Optometrists to Chiropractics. Sounds like a deal too good to be true! DING DING DING. Yeah, that little voice in the back of your head screaming, He's not having a party of joy, He's telling you to look out! Why? you maybe asking.. Well it's not because the offers are too good to be true, it's because of what they don't tell you on how the offers are able to be given. In order for the discounts to be accepted, the member must PAY out of pocket, right then and there for the service asked. Some times even the discount isn't even as much as they say. The discounts are able to be given because when a doctor accepts an insurance plan, he has to wait 4 - 6 weeks to get paid for the service. CDH though, offers the doctor to be paid on-site, just less money.
The trick to these Non-Insurance Health Care Plans are not reveled per enrollment or even when the plan is read, reread, or in the amount of times it's explained to you over and over again. It's brought into full light when you visit the Doctor or any other health provider. These programs only allow you to go to doctors and such that THEY approve. Meaning these doctors have to agree with the terms or no dice and the doctors not on the list. So if your local doctor isn't a registered provider, your card is worth less than the paper sitting next to the toilet.
These programs do have a light out of the tunnel side to them though. In bigger cities they do tend to work because of the mass of doctors and care takers found through out the city limits. What these programs offer do give decent discounts and follow through with their word. You can possibly make money as a broker for CDH companies. Hope you live in New York or Holly Wood. Though seems to be a greater want for home based businesses than doctors and such even in the big cities. Happy Hunting.
Overall yes, these COULD work and change the face of the Insurance and Health Care field s, or they could just be a very well thought up scam that plays on peoples needs to be protected. The only way one can truly know is if they do their research and have some common sense. If it doesn't feel right, don't do it.
- Recorded by Ambient Decay, Founder of the Tomb
