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You, as a
consumer, agree to pay the discount medical plan a low monthly fee.
As a member of the plan you have access to discounts
averaging 20-70% for health care services and prescriptions if you
go to the doctor, medical care facility, hospital, or pharmacy
(provider) that has a contract with the discount health plan or its
network of providers. The
provider has agreed to accept a lower payment from the discount
medical plan members. Again,
discount medical plans are not health insurance plans.
The plans do not, nor are they intended to, provide
comprehensive health care coverage.
Advantages
- If
you have no insurance, either because you don’t qualify, your
employer doesn’t offer coverage, or the coverage is too
expensive, you can decrease what you pay for necessary health
services through the discount health plan. This allows you to
obtain more health services for a lower monthly fee.
- Some
individuals sign up for these plans to help augment a high
deductible insurance policy.
If your health insurance policy has large deductibles you
must pay before the insurance company will pay, you can buy a
membership in a discount medical plan to get more services for
your out of pocket expenses.
- Some
discount medical plans do not have restrictions on existing
medical conditions. Often
when you have had a recent health problem and try to purchase
health insurance, you are turned down because you have been
previously treated for a health condition or still have a health
problem. Some of
the discount medical plans, which include most plans,
do not care if you already have a health problem or have been
treated for one in the past.
The discount plan will let you enroll in the plan, since
they are not paying for any of the services, only guaranteeing
discounts for their member’s services.
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