The Bang Bang Health Plan
An Arizona county employee benefit plan has found a way to effectively turn a $3,500 employee health benefit into a $25,000 equivalent by crossing a manmade line in the desert……………….
$1 in American health care services stretches to equal 7 or 8 times more across an imaginary manmade line in the Arizona desert.
A TPA has devised a plan for the county employee benefit program by turbocharging tax payer dollars towards employee health care.
We called it the “More Bang For The Buck Health Plan”, or The Bang Bang Plan for short.
The Bang Bang Plan provides county employees with coverage in Mexico in addition to the county’s traditional health plan.
The minute a plan member crosses the desert their tax supported health care dollars explode in value before their very own eyes.
From the county’s TPA:
Our Exclusive Mexico PPO Alliance was formed in 2002 in response to a growing need from our clients for service providers along the AZ & CA borders in Mexico.
The alliance started with 100 providers in Agua Prieta, Nogales, Mexicali and San Luis and has grown to over 300 providers including the areas of Los Algodones, Naco and Sonoyta.
The alliance includes physicians, hospitals, pharmacies, dentists, optometrists and most other edical providers.
OPTIONAL BENEFIT PROGRAM FOR MEDICAL AND RX EXPENSES ONL
MEDICAL AND PRESCRIPTION RX BENEFITS ARE COVERED AT 100% UP TO A MAXIMUM OF $3,500 PER PERSON OR $7,000 PER FAMILY (FAMILY OF 2 OR MORE) PER PLAN YEAR (JULY1-JUNE 30).
NO DEDUCTIBLE
NO CO-PAY
NO OUT-OF-POCKET EXPENSES
MEDICATIONS THAT DO NOT REQUIRE AN Rx IN THE UNITED STATES WILL NOT BE COVERED –
LIMITED TO A 30 DAY SUPPLY
Border counties in Texas should take note.
In the Lower Rio Grande Valley in deep South Texas for example there are numerous cross border medical encounters predominantly from north to south.
Since average dependent participation in group plans is 12%, many families cannot afford to access American healthcare services, causing some to seek cash based affordable medical and Rx care in Mexico instead.
RiskManagers.us is a specialty company in the benefits market that, while not an insurance company, works directly with health entities, medical providers, and businesses to identify and develop cost effective benefits packages, emphasizing transparency and fairness in direct reimbursement compensation methods.
