Discount health care plans: How can they help you?

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PostPosted: Sat Jan 03, 2009 6:12 pm   Post subject: Discount health care plans: How can they help you?  

Hi everyone my name is Cathy Hornback and I am an independent insurance broker. If you are looking for affordable great health insurance I Can Help.



Heres what I have to offer!



HEALTH PROGRAM

Save up to 50% or more on Medical Care

INCLUDES: Free Dental, Vision, Chiropractic and Prescription Program and so much more.



Very Affordable

(for entire household)

Basic Health: $29.95/month

Total Health: $39.95/month

Total Health Plus: $59.95/month



• No waiting period

• Instant Savings/Members Pay All Health Care Provider Fees

• No Paperwork

• All Ongoing Dental/Medical Problems Are Accepted & Pregnancy

• All specialists Included

• Cosmetic Surgery Included

(eye and face lifts, liposuction)

• No Age Limit



If this sounds like something you may be interested in go ahead and post a reply to this post and I will get back to you as soon as I can. You can also email me at cathyhornback[at]yahoo.com if you have any questions regarding discount health care plans.



e-mail deactivated for your safety by moderators


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PostPosted: Sat Jan 03, 2009 6:20 pm   Post subject: Discount plan  

Those, my friends...are discount health care plans. Cathy...please indicate to all who read your post the appropriate disclaimers including all upfront charges, and the standard "this is NOT health insurance" warning.



Buyer beware!



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PostPosted: Sun Jan 04, 2009 3:00 am   Post subject:   

Hey ohio have you ever worked or been a member of AmeriPlan. Because I would really appreciate it if you would look into things before you start making assumptions about something that you really dont know what you are talking about. You should know more about discount health care plans before you post your comments.



If this is something that you are not interested in then I would really appreciate it if you would not post false comments.



THANK YOU

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PostPosted: Sun Jan 04, 2009 3:23 am   Post subject: Ameriplan:discount health insurance plans  

Let me quote WORD FOR WORD from the Ameriplan website:



"AmeriPlan Health® benefit programs are not insurance, nor are they an alternative to or substitution for insurance coverage. Since they are not health insurance, members must use AmeriPlan® providers and members are responsible for payment to the AmeriPlan® providers at point of service of discount health care fees incurred."



Also...there are "rewards of marketing"..which means that "agents" who sell these discount health care plans get rewarded for "recruiting" others to the business.



See Amri Plan



And...I have never seen so many complaints with the Ripoff Report (See below):



http://www.ripoffreport.com/searchresults.asp?q1=ALL&q4=&q6=&q3=&q2=&q 7=&searchtype=0&submit2=Search!&q5=Ameriplan+



And Cathy...when one of your VERY FIRST POSTS is peddling stuff like that, what do you expect the response to be???



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PostPosted: Mon Jan 05, 2009 10:17 am   Post subject:   

Quote:
Buyer beware!




I think its always better to ask the experts Very Happy



Ohio, how would we identify discount health care plans, especially when they are in disguised as health insurance?

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PostPosted: Mon Jan 05, 2009 11:49 am   Post subject:   

Hi. Here are a few tips regarding discount health care plans :



*If there is an application fee, often, it is a discount card.



*If coverages are vague and indicate "all medical conditions are covered," that may be a discount card.



*Watch for the disclaimer at the bottom of the page.



*If the broker pressures you to buy, indicating that you need to act fast...run away!



*If you never heard of the company, it may be a discount health care plan.



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PostPosted: Thu Jan 08, 2009 2:09 am   Post subject:   

If it sounds to good to be true it is not real health insurance.

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PostPosted: Thu Jan 08, 2009 4:36 am   Post subject:   

Who are the people eligible for the discount card? What are the drawbacks of the discount health care plans ? When should I adopt a discount plan instead of the conventional heath plan?


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PostPosted: Thu Jan 08, 2009 4:41 am   Post subject:   

Hi Dave,



Quote:
If it sounds to good to be true it is not real health insurance.




Then you would not recommend people to buy discount health care plans right? Does this also imply that often times companies offering discount plans don't keep their promises afterwards?

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PostPosted: Thu Jan 08, 2009 4:57 am   Post subject:   

The basic difference between the health insurance plans and the discount health care plans is that when the first compensates you for the medical expenses the second only avails discount on the medical cost.



The health discount plans are cheaper that the health plans. And, we all know that health plans are becoming more and more out of the reach of the people with the rising cost of the health care. This is one reason which has given a boost to the discount health plans business.



I agree with Dave, if you get a quote from the insurer that is lower than the market rate, beware, it could possibly be a discount plan and not a health plan.



Another difference between the discount plans and the health plan is that with the discount plans you are required to pay monthly fees instead of premium and receive discount ranging between 25% and 40% (depending upon the provider) on the listed doctors, dentists and drug stores.



Regards,

Juanita

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PostPosted: Thu Jan 08, 2009 5:05 am   Post subject:   

Discount health care plans are possibly good for people with existing health conditions and otherwise uninsured by the health insurance carriers.



The discount plan providers will not ask you any health related questions. All the pre-existing conditions are acceptable by the discount plan insurer. Moreover, there is no waiting period.



A good discount plan may even include dental, vision and chiropractic plans in it without any extra cost.



However, the downside of the discount plan is that you have to bear in mind that you are required to pay for the services at the time of the need. The discount plan will only reduce the cost to some extent.

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PostPosted: Thu Jan 08, 2009 5:12 am   Post subject:   

Hi guys!!



I think we haven't touched upon a very important point regarding the discount health care plans....unlike the health insurance the discount plans are not governed by the state laws. That is there isn't a regulatory authority monitoring the activities of the discount plan providers. Hence, the probability of getting scammed are much higher with the discount plans companies.



Also, there is a chance that you may not receive the services that are promised in the health card.


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PostPosted: Thu Jan 08, 2009 9:36 pm   Post subject:   

I only sell health insurance myself. I personally would not buy discount health care plans at all.

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PostPosted: Fri Jan 09, 2009 9:23 am   Post subject:   

What's my Maximum "Out Of Pocket" in a calendar year for myself and my family with discount health care plans like these? Unlimited with No Stop Loss.



Since there is No insurance aspect . . . Who is at Risk? The offering Company is not subject to any claims, they administer the membership billing, I.D. cards, commissions and maintain or contract with a Network of participating providers.



Seems like all the Risk is shifted to the Providers of the Health Care. The Doctors, Hospitals and other Providers are willing to accept 50% of their normal fee for service. The Providers DO NOT share in or receive any portion of the monthly membership dues, such as in a capitation plan. And the Providers are responsible for collecting 100% of a Discounted Fee from the patients, preferably UP FRONT at the time service is rendered. A Discounted Fee that normally 80 to 100 percent of would be paid by Health Insurance Companies.



WOW Shocked



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PostPosted: Sat Jan 10, 2009 3:11 am   Post subject:   

If you are paying cash to see the doctor you do not need a discount card. All you do is ask them for a cash discount when seing your doctor and they will work with you.

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