A health and medical discount plan can help you save money on healthcare costs – like chiropractic care and acupuncture treatments – that may not be covered by your traditional health insurance. Many programs also provide access to professional support and administrative services to help with things like negotiating medical bills. A health discount plan is not insurance.
No waiting period – Sign up now and begin using discounts right away.
Everyone is accepted; there are no exclusions even if you have a health condition.
Discount plans can include access to discounts for the whole family.
A telemedicine discount program may allow you to get a virtual visit from a board-certified physician from the comfort of your home. This can come in handy when you’re sick with a routine condition like a urinary tract infection, pink eye, cold, flu or bronchitis (to name a few), instead of going to the urgent care or waiting several days for an appointment at your primary care provider.
These doctors can often prescribe medication if needed and are accessible 24 hours a day, 7 days a week, 365 days a year. You can generally access this care from anywhere, including your home, the office, at school, or when traveling. Telemedicine is available to anyone regardless of age or health status. However, because there is no hands-on exam, it is not appropriate for many medical conditions like serious illnesses or injuries.
ACA-qualifying major medical insurance provides prescription drug coverage as an essential health benefit, but that doesn’t guarantee that your medication will be covered or that it will be affordable since not all medications are covered by all Marketplace plans.
And if you’re uninsured, you’re responsible for the full cost of your prescription drugs. Discount drug plans typically cover a wide range of drugs including brand name and generic prescription medications.
Depending on the discount program, you can often save on the retail price of generic and brand name drugs. Drug discount programs typically cannot be combined with your insurance if you have coverage.
Save on durable medical equipment (DME) and services including supplies like beds, walkers, wheelchairs, insulin pumps, glucometers, and nebulizers. Your ACA-qualifying major medical plan likely covers some medical equipment but may not cover the items you need.
Check your plan’s Summary of Benefits to find out what supplies are covered. If medical equipment you need is not covered, a health discount plan that includes durable medical equipment may be able to help you save money.
Discount plans may offer discounts on healthcare specialist services. These services are critical when you need extra help for a specific health problem, from orthotics to help manage foot pain to nutrition counseling to help manage diabetes. Healthcare specialists include medical professionals like chiropractors, dieticians, physical therapists, occupational therapists, and podiatrists.
The care some of these specialists provide may be covered by ACA health plans so it’s important to check your policy. If you do not have an ACA health plan and are either uninsured or have a limited-benefit policy like short term medical, healthcare specialist discounts may be able to help lower your out-of-pocket costs.
Discount plans often offer discounted rates on integrative and holistic healthcare like acupuncture, music therapy and therapeutic massage. These are increasingly recognized for their therapeutic benefits for those dealing with chronic diseases and pain, especially in conjunction with western medical treatment.
Depending on your state and health insurance company, your major medical plan may include some level of coverage for alternative healthcare. If you don’t have coverage with your ACA plan or are uninsured, a discount plan that includes alternative health and wellness services may help you save on out-of-pocket costs.
Some discount medical organizations offer help navigating the world of healthcare which can be confusing, time-consuming and intimidating. Imagine having access to professionals skilled in negotiating medical bills, reviewing diagnoses and treatment plans to help you get appropriate care, and coordinating administrative issues involving a range of healthcare services.