Discount health care plans: How can they help you?

Posted: Thu Jan 08, 2009 05:12 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.

Posted: Thu Jan 08, 2009 09:36 pm Post Subject:

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

Posted: Fri Jan 09, 2009 09:23 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 :shock:

Posted: Sat Jan 10, 2009 03:11 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.

Posted: Mon Jan 12, 2009 12:00 am Post Subject:

There is also a sliding scale fee in some doctors offices. They offer a lower payment on alot of things like blood work, visits and stuff like physicals to those who do not have insurance. A doctor visit may be $75 but if you have no insurance some will only charge a little over half of that amount.

Posted: Mon Jan 12, 2009 03:03 pm Post Subject:

These plans are the biggest crock of shxt I have ever seen....98% of the time, the person buying one has no idea the implications if something were to happen to them.

Posted: Tue Jan 13, 2009 02:18 am Post Subject:

You do not need a discount card to get a discount.

Posted: Fri Jan 16, 2009 11:46 pm Post Subject:

Another a good alternative is the community walk in clinics, they are becoming more and more popular. I carry good insurance, but it is often times it is really hard to get a quick appointment, when you are sick, so myself and others that I work with have been using the walk in clinic, it is quick and they provide quality care. Many people who don't have insurance go there also, I am not real sure what the charge is if you don't have insurance, but if you do you only pay your copay.

Posted: Sat Jan 17, 2009 12:24 pm Post Subject:

i did not know that lakemen allow displaying of services on this forum....If you want to offer your services you should start your own blog or website...This will boost your sales to a much extent

Posted: Tue May 25, 2010 10:37 pm Post Subject: health, dental and perscription insurance

I am interested in the $59.95 a month what are the benefits? thank you. merlene at merleneeeh@q.com