Your ultimate insurance guide


Discount Medical Cards

Can't Find Affordable or Cheap Healthof no concern to them. You can enroll in the
Insurance?  How  About  a  Discount  Plan?plan and get affordable care immediately. And
even better, the monthly membership fee is
Middle class America is most affected by thenominal.
healthcare crisis. They are working and
contributing to society but many are withoutWhat  if  I  Already  Have Health Insurance?
medical benefits and can't find affordable or
cheap health insurance. They make too much toEven if you have found an affordable or a
qualify for Medicaid, but too little tocheap health insurance plan you can still
afford  the  high  premiums  of  insurance.benefit from a discount healthcare plan. Many
of these plans offer supplemental packages
Is  There  Really  a  Healthcare  Crisis?that include dental, vision, prescription,
and chiropractic benefits that are an
According to the Consumer Health Allianceaffordable complement to health insurance
more than 45 million Americans are withoutplans. Too many companies are having to scale
health insurance benefits and that number isback the benefits packages for their
steadily growing. In most cases, for theemployees just to keep health insurance
households with no benefits, at least oneaffordable. Although a good dental plan is
person in the household is working athe 2nd most requested benefit, it is also
full-time job. The number of households thatone of the first things to go when a company
have health insurance are dealing with risingis  forced  to  cut  back.
premiums, rising co-pays, and a loss of
benefits and less options for affordable orHow  do  the  Medical  Card  Plans  Work?
cheap  health  insurance.
The plans work this way. For a low monthly
In fact, health insurance costs are rising byfee, members of discount plans gain access to
10%  to  15%  or  more  annually.wholesale rates similar to what large
insurance companies pay. When care is
Affordable Healthcare Options: Dental &received at a participating provider, the
Medical  Benefits  for  the  Uninsuredmember pays the discounted fee at the time of
service. It is a benefit not only to the
The Consumer Health Alliance was launched inmember, but also to the provider who is able
2002. The companies affiliated with theto get payment up front with no paperwork to
Consumer Health Alliance offer discountfile. The services offered by the benefits
medical cards to their members. According tocompanies will vary. For example, AmeriPlan
the Consumer Health Alliance, these discountHealth® offers a
cards are gaining popularity because theycomprehensive package for the uninsured that
allow consumers to gain access to theincludes doctors, specialists, ancillary care
healthcare they need without the exclusions,(labs, scans, hearing, etc.), dental, vision,
limitations, and paperwork typicallyprescription, chiropractic, and
associated with health insurance. If you arehospitalization. They also offer a dental
suffering from a medical condition and canplan that includes free vision, prescription,
not get insurance, a discount plan will notand chiropractic benefits.
exclude you. In fact, your medical history is



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