Individual Health Plans
Sunday, October 26, 2014  
 
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Types of Health Plans

Discount Health Plans

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Discount plans are supplemental plans that provide discounts on healthcare services. If health insurance is not a viable for you, either due to a pre-existing condition that makes you ineligible or financial limitations, discount plans may offer a way to make doctor visits, treatment, and prescriptions more affordable. Discount programs are NOT insurance. Instead, if you currently have health insurance but consistently find yourself paying costly out-of-network fees to see specialists or paying large sums for uncovered medical services, a discount plan may provide some relief.

How Health Care Discount Plans Work

Generally, discount plans work by charging a flat fee in order to receive per visit discounts when you seek medical care. The types of discount plans, annual fees and discount card providers are so diverse that they must be carefully researched. If you are interested in a discount plan, be cautious and find out what fees they charge, what medical services, treatments and prescriptions are offered at discounted prices (you may not be in need of any of the services the plan discounts), what the discounts are (in other words, do you save enough money to make the plan worth the investment?), and which providers must you see in order to receive a discount (are these providers reputable and accessible?). Whether a discount plan is a solution to costly out-of-pocket medical fees and soaring prescription costs can only be determined by carefully researching the plan and deciding if it meets your specific medical needs.

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KEY FACTS...

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