| You have permission to publish this article | | | | Other benefits include local and world wide ground |
| electronically or in print, freeof charge, as long as | | | | and air emergency medicaltransportation, 24 hour |
| the bylines are included. A courtesy copy of | | | | nurse hotline, inclusion in a pre paid legal |
| yourpublication would be appreciated. | | | | club,discounts on international hotels and resorts, |
| No Cost Health Benefitsby Darrell C. Porter | | | | discounts on nationwidemunicipal and semi private |
| The Health Care Industry is in a state of crisis. It's | | | | golf courses, car rental discounts and more. |
| in the news everyday! | | | | Monthly costs for the Premier Plus program is |
| Health Insurance rates are rising by 10 - 15% | | | | just $109.95 and a one timeset up fee of $100. |
| each year and in some casesmore. These | | | | The monthly rate is guaranteed never to go up |
| increases are causing many companies to reduce | | | | as long asthey continue their membership. |
| benefits fortheir employees, or in some cases | | | | In January 2004, IAB announced a unique |
| drop all Health Care Benefits. | | | | Rewards Program that actuallyrewards loyal |
| It is estimated that there are 45 million people in | | | | membership. IAB will send a rewards check of |
| America without healthinsurance and over 75 | | | | 50% of allpayments made during the past five |
| million are underinsured. In fact 3/4 of all | | | | consecutive years. This effectivelyreduces the |
| smallbusinesses offer no health insurance at all. It | | | | cost of membership to one half. Members may |
| has been a problem with noend in site, UNTIL | | | | also opt to go tenconsecutive years instead and |
| NOW. | | | | receive a check for 100% of all their |
| International Association of Benefits is a non profit | | | | monthlypayments during that time. This then |
| association located in | | | | makes IAB a cost free membership. |
| Washington, DC, directly across from the White | | | | Members receive all the benefits plus receive all |
| House. In addition to all ofits other Association | | | | their monthly dues back. |
| Benefits, IAB offers superior health care | | | | Even though there are a number of good health |
| savingsbenefits to attack the #1 need in America, | | | | discount companies available, |
| access to affordable Health Care. | | | | IAB is the only one that offers health savings plus |
| IAB is a non profit association located in | | | | insured benefits plusvaluable non medical benefits |
| Washington DC, across from the | | | | plus a 100% return of all the monthly |
| White House, at 1747 Pennsylvania Ave. This 22 | | | | paymentsmade. |
| year old association offersguaranteed health care | | | | IAB may well be the company of choice for |
| savings and insured benefits through over 1 | | | | those with little or no medicalinsurance, for those |
| millionproviders across the U.S. Because IAB is not | | | | with major medical coverage who need more |
| insurance everyone is acceptedregardless of pre | | | | benefits andprotection, and for those who simply |
| existing condition. No medical questions are asked; | | | | want a disciplined way to save moneywhile they |
| andall ages are accepted. Benefits are provided in | | | | receive medical and other benefits that exceed |
| additional to any othermedical coverage members | | | | the interest theycould have earned in a bank, |
| may have. Individuals and their entire | | | | treasury bill or CD. |
| immediatefamily can join for one flat, low monthly | | | | Enrollment in the International Association of |
| rate. Once enrolled their ratesare guaranteed | | | | Benefits (IAB) is easy andcan be done online. |
| never to go up. | | | | Simply go to Other plans are alsoavailable, for |
| IAB membership provides a healthy discount of | | | | Seniors (Classic) and those who only want |
| 30% to 90% off medical,dental, vision, hearing, | | | | dental,prescription, vision and chiropractic |
| prescription and chiropractic care. For theuninsured | | | | (Signature) care. The Premier is thesame as the |
| or under insured this often makes a world of | | | | Premier Plus without the Intensive Care and |
| difference in theirability to receive needed medical | | | | Coronary Carebenefits. |
| care. | | | | Memberships are also available to groups, |
| Members can go to any doctor or hospital they | | | | businesses and organizations. Thenon profit |
| choose. However, if they go toone of our one | | | | association shows you how to provide these |
| million nationwide Network providers their savings | | | | benefits at no cost toyour company or |
| can be asmuch as 90%, while some services are | | | | organization and also how to enhance your |
| even free, such as teeth cleanings,initial | | | | companyÆs bottomline simply by |
| chiropractic consultation and certain legal services. | | | | administering IAB to your staff or employees. |