What is a medical discount plan?
Medical discount plans are a great way for consumers to have access to affordable healthcare and save 10-80% on their healthcare needs. These plans are not insurance. They are plans that offer a wide array of healthcare services at a discount.
Thousands of medical providers in the United States have partnered with companies that offer medical discount plans, to offer their services at a predetermined discounted rate.What is the different between health insurance and a medical discount plan?
There are many differences between health insurance and medical discount plans. Unlike health insurance, most discount plans don't have strict terms and conditions on how and when you can use your medical benefits. With most discount plans there are no co-pays, claim forms, deductibles, waiting periods, age limits, or limits on the amount of times you can use your benefits. Many discount plans also have tele-medicine features that allow you to see a doctor virtually for minor illness and receive a prescription when necessary. They also allow you to change providers at any time and have a very affordable low monthly cost that covers everyone in your household.
Can I use a medical discount plan if I already have health insurance, Medicare or Medicaid?
Yes and no. While you can't use a discount medical plan AND your insurance at the same time, you CAN use your discount plan instead of your insurance. Many people who already have insurance choose to use their medical discount plan to fill in the gaps of their existing insurance needs. For instance if their insurance has limitations on the number of provider visits they have annually for dental, vision or chiropractic services, a medical discount plan can be used once those annual visits have been maxed out. Many traditional health insurances do not provide dental, vision, chiropractic or prescription benefits. A medical discount plan can help to fill in those gaps.
How do I find a medical discount plan?
Finding a discount plan that's right for you is as easy as doing a Google search. But the one I recommend is Ameriplan. They have been in business in 1992 and have an A+ rating with the Better Business Burea. Their discount plans are very low-cost and affordable and cover everyone in your household. They have three plans to choose from:
Call and consult with a doctor for diagnosis and treatment. Save upto 85% on most brand name and generic prescription drugs at more than 65,000 participating chain and independent pharmacy locations.
Access a nationwide network of 100,000 Dentists, 12,000 Optical Providers, 65,000 Pharmacy Locations at pre-negotiated discounted rates. Including TeleHealth with physician access.
Access a nationwide network of 100,000 Dentists, 12,000 Optical Providers, 65,000 Pharmacy Locations and more than 7,500 Chiropractors at pre-negotiated discounted rates. Call and consult with a doctor for diagnosis and treatment. Save on ancillary services and hospital bills.
