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Can Medical Discount Plans Cost You More?
Do you know how to tell the difference between health insurance and a medical discount plan? When you are shopping around for health insurance, make sure that is what you are buying. Otherwise, you could end up in a position where you have big medical bills with no way to pay them. Understand the following differences between the two products to make sure you get what you pay for.
What Is Health Insurance? If you buy a health insurance plan, it generally covers a broad range of services, and pays you or your health care provider for a portion of your medical bills. If you buy a medical discount plan, you generally are paying for a list of providers and sellers who may be willing to offer "discounts" on some of their services, products or procedures. Medical discount plans don't pay your health care costs.
What are Medical Discount Plans? Affordable health insurance may really be a medical discount plan instead. Medical discount plans can be a way for some people to save money on their health care costs, but discount plans are not health insurance.
The Federal Trade Commission (FTC), the nation's consumer protection agency, wants you to know that although some medical discount plans provide legitimate discounts, others take your hard earned money and offer very little in return. The FTC and its state law enforcement partners also have found that dishonest marketers selling these plans have tried to trick people into thinking that they are selling health insurance, or have lied about what their plans really offer.
Signs Of A Medical Discount Plan If you see marketing terms such as "Discounts of up to 70%", you are probably staring at a medical discount plan. The first question to ask yourself is how often will you save that much? Those two little words in the marketing "up to" leave the door wide open for the savings to typically be a lot less. When you consider a discount plan's monthly premiums and enrollment fees, there may be no "discount" at all. Worse, if you have major health problems or an emergency, you will have to cover most, or all, of the bills if you don't have health insurance.
Review Discount Plan Details Carefully Medical discount plans are not a substitute for health insurance. They are not the same as health insurance. If you are still interested in a medical discount plan, check whether the doctors you use participate. Call your providers, as well as others on the plan's list, before you enroll or pay any fees. Some plan promoters may tell you that particular local doctors participate when they don't, or they might send you outdated lists. Check out every claim, and get the details of any discount plan in writing before you sign up.
Do Not Give In To Pressure Or Urgency The agents that work for legitimate medical discount plans should be willing to point you to written information before you enroll. If you feel any pressure to sign up quickly or miss out on a "special deal" do not hesitate to walk away.
Author Resource:-
Nathan Randall, editor, Daily Dollar Newsletter provides free daily advice on money matters plus coupons and discount codes. FYI...you can now access the Daily Dollar Newsletter via iTunes podcast, YouTube video, and on Facebook and Twitter too.
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