Maybe you already know that health discount plans are not health insurance. If you do not know that, read on.
Health discount plans are a much loved subject these days. Why? Because people love to save money on their health care expenses, and that’s fine, but health discount plans are not health insurance. They do not protect you like a traditional health insurance plan, nor do they reimburse you for any of your expenses. In fact, you have to pay for the services, albeit at a lower price, but you still have to pay, plus you also have to pay a membership fee in many cases.
The other thing to be aware of is that there are a large number of health discount plans that are not on the up and up. They advertise many things that sound wonderful, take your money and you never see or hear from them again. Additionally, you do not get the discounted health services you were told you would get either. Honestly? Your money is much better spent buying traditional, affordable health insurance. It provides you a return on your investment when you need it.
While some refer to a health discount plan as a different kind of health insurance, it really is not. What it is designed to do is save money for services like ear and vision checkups, dental and medical checkups, doctor visits, stays in hospital and prescription drugs. That bears repeating. It saves you money by providing a discounted service. However, you do not get reimbursed for the balance of the service the plan does not cover. You pay that. Looking at this another way, you will realize health discount plans are not free. You usually pay a monthly fee before you may use the card.
These plans are popular but they are ripe for scams, rip-offs and flat out fraud. Although the services being offered by some of the websites sound good, when you get right into it, you are paying out more than you would for affordable health insurance that actually covers your medical needs and reimburses claims. Health discount plans do not do this.
Look before you leap. Affordable health insurance is available. You just need to spend some time searching for it. You may also call a knowledgeable insurance agent for help. It is honestly a lot easier than you may think.
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more, visit http://www.benepath.com.
