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Why a Discount Plan?
For families and businesses which are UNABLE to obtain or AFFORD health insurance, discount plans may provide some benefits at very cost effective levels. There is no underwriting and so insurability is not an issue. A foreign traveler, individual or family, someone with pre-existing conditions, a sole proprietor, a self-insured person, a small employee group or association can enroll. As a COBRA alternative, discount plans allow versatility with few restrictions.
How do discount plans work? If they pay nothing and there is no reimbursement, is there a real benefit? Discount plans can be thought of as the cost containment feature of traditional insurance plans. A network of health care providers is formed. Prices are setup providing negotiated rates to discount plan members. There is no guaranteed percentage discount on services. Instead each procedure has its own cost which can also vary from provider to provider. Health care providers, hospitals, surgical centers, and labs are generally included. Prescription drugs, dental providers, and chiropractors can be optionally included or a separate membership may be obtained. Discounts for many ancillary items such as vitamins, health clubs, vision care and many items which would be excluded from the traditional insurance plans like elective surgery and non-formulary drugs can be found.
Discount plan memberships are extremely inexpensive. Because they offer only discounts, unlimited usage with no waiting periods or deductibles is immediately available. People who are underinsured or have benefits which have been exhausted or capped find this can be an extremely useful supplement.
Do you or someone you know fit this description? Are you tired of paying full price for health care? Then make a change. Get the discount you deserve.
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