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Discount Plans

Discount Health Plans provide savings on medical, dental, vision, hearing, prescription, counseling and more for a yearly or monthly membership fee. The amount or percentage of discount offered depends on the plan. Providers sign contracts with the discount company and when you visit that provider the discount is passed on to you at the time of service. Since you pay the provider at the time of service, these plans will save you out of pocket money. However you would need to find out if the amount you are going to save is more than the membership fees you will pay to determine if this is right for you. If you ordinarily spend a lot on prescriptions or medical care this plan may work for you. If you are not on any regular prescriptions and rarely get ill there may be a more cost effective choice. Also, if you cannot get health insurance due to a pre-existing condition, most discount plans will still allow you to join whereas more traditional insurance coverage can be more difficult to obtain. Before joining a discount health plan you should first find out if your doctor, hospital or pharmacy allows the discounts from that company. Since discount plans don’t review their providers like an insurance company does, you will need to determine the reputation of the providers that you can see under the plan.