70 % of Americans are uninsured or underinsured.....

In the richest country in the free world, this is a staggering but true statistic. It is disheartening that children are missing school, going without needed health care and living with dental pain because their families simply cannot afford expensive insurance for them.

Last year, a 12 year old boy died in Maryland, because of a toothache that became abcessed. The family could not afford to take him to a dentist, so the infection spread to his jaw and eventually his brain and the infection killed him. This is an abomination that something like this can happen right here in the United States of America!

What most people do not realize is that lower middle class Americans do not qualify for charity care or medicaid. They may just be pennies above the poverty level, but that few dollars more disqualifies them for any kind of assistance - these are the forgotten people.....the ones who just make enough to barely get by, but do not qualify for any type of health care breaks.

What makes matters worse, is that although the parent(s) might be working and getting by, many companies are cuttting the health care programs - either entirely or in part. The first thing to go is usually the dental, because it is the most expensive. They are asking the employees to either contribute to the coverage, which they cannot afford if they are just making ends meet. So, the results are that they go without for themsevles and possibly their children, also and hope and pray that no one gets sick or worse.

In an article published last year in a nationally known magazine, it was stated that the # 1 reason most children in the US missed school in 2007-2008 were due to dental problems, such as toothaches. The sad part is that all of this is preventable and can be avoided.

What most people do not realize is that there is an alternative that the insurance industry does not want you to know about. It is for us forgotten middle class Americans who need a break.

The alternative is consumer driven health care or discounted health plans. They work much like a Sams or Costco club, only for your benefits. Instead of paying full price for health care you pay a reduced rate at the time of service. You can save anywhere from 25 % to 80 on medical, dental, vision, Prescription coverage and chiropractic care.

Why put off needed treatment or pay full price and put yourself into debt? These plans are affordable and month to month with no yearly contracts......so there is nothing to lose and EVERYTHING TO SAVE!

If you would like more information on how these plans work, you can view them at: www.everyonebenefits.com/TDosch to see sample fee schedules and locate providers in your area(s) and get more information.

To you health!