Running a business or freelancing often comes with one major challenge: finding affordable healthcare insurance that fits both your lifestyle and your budget. Without the safety net of employer-sponsored benefits, medical bills, dental visits, and prescription costs can add up fast. The idea of getting sick or needing dental work can feel overwhelming when every dollar matters, especially for those juggling contracts, clients, and unpredictable income.

That’s where AmeriPlan comes in – an alternative to traditional insurance designed to help independent workers access care without the high price tag. This guide breaks down what AmeriPlan offers, how it differs from standard insurance, and why it might be a practical solution for those who want dependable dental and health coverage and mental health services without the financial strain.

Finding Affordable Healthcare for the Self-Employed

Finding reliable health insurance when you’re self-employed can feel like searching for a needle in a haystack. Traditional plans often make it tough for freelancers and gig workers to get the coverage they actually need, and plans on the health insurance marketplace may still be too expensive.

When every expense affects your budget, balancing quality care with affordability becomes a top priority. That’s why exploring alternative health insurance options like AmeriPlan can make such a difference.

Why It’s a Challenge

For the self-employed, finding affordable healthcare insurance isn’t as simple as checking a box at work. Without an employer to share the premium, independent workers shoulder the full costs, which can quickly eat into their budget. Many don’t qualify for Medicaid or other financial-assistance programs, and even marketplace coverage can be too expensive depending on location and income.

Legal requirements under the Affordable Care Act ensure certain protections, but they don’t solve the affordability gap. As a result, freelancers, gig workers, and small business owners often face a tough choice – either go uninsured or pay more than they can comfortably afford just to stay healthy.

How Discount Health Plans Help

Discount health plans are an alternative way for self-employed individuals to access medical care without the high premiums or restrictions that come with traditional insurance. These plans are not insurance, but rather membership-based programs that allow you to receive significant discounts on a wide range of health services.

For freelancers and gig workers who often lack employer-sponsored coverage, these plans offer a more flexible, low-cost way to stay on top of their health needs without being locked into long-term contracts or high out-of-pocket costs. They provide benefits such as:

• Faster access to care
• Affordable monthly pricing
• Flexibility to choose and change your provider
• No paperwork or claim delays
• Household coverage

A Guide to AmeriPlan for the Self-Employed

Since 1992, AmeriPlan has been helping families and self-employed individuals access high-quality, affordable healthcare without the stress of traditional insurance. Through their nationwide provider network and membership-based structure, AmeriPlan offers practical coverage options for essential health benefits that fit the flexible lifestyles and budget needs of freelancers, gig workers, and independent contractors.

How It Works

AmeriPlan works through a membership-based model that gives you access to discounted rates on a variety of health services, including dental, vision, prescriptions, and telehealth. Instead of paying high premiums to an insurance company, you pay a low monthly membership fee for your entire family or your chosen plan. When you visit a provider, you receive pre-negotiated discounts directly at the time of care.

There’s no open enrollment or waiting period, no paperwork, and no limits on visits. Members can find participating doctors, dentists, and specialists through AmeriPlan’s online provider search tool, which connects you to more than 200,000 licensed professionals across the country.

Getting started is simple. You choose the plan that fits your needs, use the provider search to find a participating doctor or specialist near your location, enroll online, and receive instant confirmation. Once you need care, simply show your membership card at your appointment and pay the discounted rate directly to the provider.

It’s that straightforward! No approvals, no claims, just easy access to affordable care for you and your family whenever you need it.

The 3 Plans Available

AmeriPlan makes it simple to find the right plan for your lifestyle. We offer flexible options designed to meet different health and budget needs. Each plan is built to help you save money and access high-quality care without the barriers or delays that often come with traditional health insurance plans.

Telehealth Plus

The Telehealth Plus plan is the simplest and most affordable option, perfect for freelancers and independent workers who want quick access to care without leaving home. For just $9.95 per month for your entire family, this membership provides immediate access to U.S. board-certified doctors and pediatricians by phone seven days a week. You can discuss symptoms, get treatment recommendations, and even have prescriptions sent to your preferred pharmacy.

Here’s what’s included:

• Telehealth: 24/7 access to board-certified doctors and pediatricians by phone or video.
• Prescription Coverage: Discounts of up to 85% at more than 65,000 pharmacy locations, plus a convenient mail-order option.
• In-office doctor visits: These are available at pre-negotiated, affordable rates.

Dental Plus

The Dental Plus plan builds on the benefits of Telehealth Plus, offering expanded coverage options for everyday wellness. This combined plan is ideal for self-employed individuals who want to maintain their dental, vision, and overall health while keeping costs low. At $19.95 per month for your entire household, it delivers exceptional value and immediate savings on essential healthcare services.

This plan includes the same elements as the previous plan, plus:

• Dental Care: Access to a nationwide network of over 100,000 dentists for exams, cleanings, fillings, crowns, and orthodontics.
• Vision Care: Savings of up to 60% on frames, lenses, and coatings, plus discounts on ophthalmology exams and LASIK.
• Prescription Discounts: Savings of up to 85% at over 65,000 participating pharmacies nationwide, with the option for convenient mail-order service.

Deluxe Plus

The Deluxe Plus plan offers the most comprehensive coverage for self-employed professionals who want complete peace of mind. For $39.95 per month for the entire family, this top-tier membership gives you all the benefits of the previous plans, plus hospital, chiropractic, and diagnostic services. It’s an all-in-one option that supports your health from preventive care to recovery.

This plan includes the same elements as the previous plan, plus:

• Hospital Benefits: Access to Bill Negotiator, Surgery Saver, and Healthcare Navigator programs to lower medical care costs.
• Chiropractic Care: Free initial consultation and major savings on ongoing treatments with more than 7,500 chiropractors nationwide.
• Ancillary Medical Services: Substantial discounts on lab testing, radiology, and imaging through national diagnostic networks.

Each of these plans provides a practical, flexible, and affordable way to stay healthy – without the high premiums, waiting periods, or complex rules of traditional insurance plans.

Skip the Stress of Insurance and Discover Affordable Care Through AmeriPlan

Finding affordable, reliable health insurance as a self-employed professional doesn’t have to feel impossible. You deserve quality care without the stress of high premiums, confusing rules, or endless waiting periods.

AmeriPlan was built with people like you in mind: hardworking individuals who want dependable coverage options that fit real-life needs and real-world budgets. We’re here to give you freedom and peace of mind, knowing you can find the help you need when you need it.

Ready to start saving on your care? Visit AmeriPlan today to browse and compare plans, learn more about how they work, and enroll in the one that gives your family the access, flexibility, and savings you deserve.

If you’ve ever left the doctor’s office or pharmacy counter with your heart racing at the cost of your health care, you’re not alone. For many families, finding health insurance that works for their budget feels nearly impossible.

Between premiums, deductibles, and out-of-pocket costs, paying for essential medications, eye care, and more can drain your monthly budget. And, if you don’t have insurance, it can feel almost impossible to keep up with rising costs.

That’s why affordable alternatives like AmeriPlan’s prescription discount program and other discount plans can make such a difference. This blog will break down exactly how AmeriPlan’s health benefits help families save money on prescriptions, vision, and more, all without sacrificing quality care.

A Quick Breakdown of Traditional Insurance

When most people think about covering their medical costs, traditional health insurance plans are usually the first health coverage options that come to mind. A traditional health insurance provider offers insurance plans that share medical expenses with you in exchange for a monthly premium. Dental insurance works similarly to help cover cleanings, exams, and procedures like crowns or orthodontics.

Both aim to provide quality coverage, but their high costs and strict limitations often leave families looking for better care. Before exploring alternatives, it helps to understand the basics of traditional insurance plans.

Components of Health Insurance Payments

Here are the key components that make up typical health insurance costs:

• Monthly Premium: Your fixed monthly payment to maintain health coverage, whether you use medical services or not.
• Deductible: The amount you pay before your insurance company starts paying for certain services.
• Copayments: Set fees for covered visits or prescriptions, like paying $30 to see a provider or fill a prescription.
• Coinsurance: Your share of costs after reaching your deductible, often 20-30% per visit or procedure.
• Out-of-Pocket Maximum: The most you’ll pay in a year before your insurance covers 100% of covered care.

The Costs of Traditional Insurance

Have you ever wondered why your insurance premiums or out-of-pocket costs are so high? Several factors play into how much you pay for traditional health insurance options. Here are the main ones to keep in mind:

• Age
• Location
• Plan category (Bronze, Silver, Gold, or Platinum plans)
• Tobacco use
• Health history
• Number of people covered

AmeriPlan: Bringing Discount Plans for Affordable Care

If traditional insurance plans aren’t working for your family, you’re not out of options. AmeriPlan’s health plan offers products and services designed to reduce medical expenses without high premiums or confusing documentation. Unlike traditional insurance, AmeriPlan provides discount benefit plans that give you access to pre-negotiated medical services, dental care, vision coverage, and prescription drugs at lower rates.

Types of Discount Plans

Discount health plans aren’t insurance. They’re programs you join for a low monthly fee to access discounted medical services. AmeriPlan offers three main types:

• Health Discount Plan: Covers medical, mental health services, chiropractic, and prescription drugs.
• Dental Discount Plan: Provides savings on exams, cleanings, fillings, crowns, orthodontics, and even specialized services like surgical extractions.
• Combined Plan: Looking for the most comprehensive option? Our Combined Plan offers both dental and health savings, plus access to telehealth, hearing, and vision care.

AmeriPlan’s Discount Plans

AmeriPlan offers three main discount family plans designed to fit different needs and budgets. Each plan provides immediate savings without the hassle of insurance paperwork or approvals. Here’s what each specific plan offers.

AmeriPlan Dental Plus

The AmeriPlan Dental Plus plan is one of the most popular options, costing only $19.95 per month for your entire household. This plan focuses on making routine and preventive care more accessible by offering discounts in multiple areas of dental and health care:

• Dental discounts on cleanings, fillings, exams, crowns, and orthodontics at a nationwide network of over 100,000 dentists.
• Vision savings at over 12,000 optical providers for eye exams, frames, lenses, and specialty eyewear.
• Prescription discounts at 65,000+ pharmacies nationwide.
• Telehealth with U.S. board-certified doctors and pediatricians by phone, available seven days a week.
• Hearing care discounts for exams and hearing aids.

AmeriPlan Deluxe Plus

If you’re looking for comprehensive savings across almost every area of healthcare, the AmeriPlan Deluxe Plus plan is worth considering. At only $39.95 per month for your entire household, this plan benefits option combines all the benefits of Dental Plus with additional medical support services. This makes it an excellent choice for families who want broader coverage without high insurance premiums.

Here’s what you get:

• All Dental Plus benefits.
• Hospital benefits like bill negotiation, surgery cost savings, and healthcare navigation.
• Substantial savings on diagnostic imaging, radiology services, and lab work through their national ancillary medical services network.
• Chiropractic care from a network of over 7,500 participating doctors, which includes free consultations and discounted sessions.

Telehealth Plus

For families primarily needing telehealth access and prescription savings, AmeriPlan’s Telehealth Plus benefit plan offers a budget-friendly option at only $9.95 per month for your entire household. You get:

• Unlimited telehealth access to U.S. board-certified doctors and pediatricians by phone, seven days a week.
• Immediate prescription discounts at over 65,000 participating pharmacies nationwide.
• Affordable pre-negotiated rates for in-office visits when needed.

Factors to Consider When Choosing a Health Plan

Choosing the right coverage for your family can feel overwhelming, especially when weighing traditional insurance against discount health plans like AmeriPlan. Some key factors to consider to help you make the best decisions for your needs and budget include:

• Procedures Covered: Always look at coverage details, like what procedures and services are included in writing. Traditional insurance often covers major procedures after deductibles, while discount plans provide immediate savings on a wide range of products and services, from dental cleanings to eye exams.
• Cost: Compare premiums, deductibles, and out-of-pocket costs versus a discount health plan’s flat, low monthly fee and discount rates.
• Provider Network: Check whether your preferred doctors, dentists, or specialists are part of the plan’s network. Insurance networks can be restrictive, while discount plans like AmeriPlan typically have wide networks with thousands of participating providers nationwide.
• Flexibility and Convenience: Consider how easy it is to use certain health plans. Unlike insurance companies, discount plans often have no paperwork, no waiting periods, and no deductibles, so you can get care quickly.
• Your Family’s Health Needs: Consider your family’s routine care, preventive care, mental health, and virtual care needs when selecting a specific plan. If you mostly need preventive care, dental visits, prescriptions, and occasional doctor consultations, a discount plan may provide the savings you’re looking for without the high premiums of traditional insurance.

Find Affordable Health Care and Peace of Mind with AmeriPlan

Trying to balance medical expenses with everyday life is hard, but it doesn’t have to be stressful or unaffordable. With AmeriPlan’s health plans, you get the benefits your family needs without worrying about insurance denials, open enrollment, or strict limitations of traditional insurance.

AmeriPlan understands the importance of quality care for your well-being. We stand by inclusivity, regardless of sexual orientation, national origin, or marital status, and work with licensed agents to ensure families get the best coverage options possible.

We’re here to support everyday families like yours to access the services you need at prices you can manage. Take control of your health today. Visit our discounted health benefit plans to find the plan that helps your family stay healthy and save money without the stress of traditional insurance.

You need dental care, but let’s be honest—it can be expensive, especially without insurance. You’re not alone if you’re wondering “How much does fluoride treatment cost without insurance?”

Many patients put off preventive care like fluoride treatments because they assume it’s out of their budget. The problem is that skipping this simple treatment can lead to bigger—and much pricier—issues down the road, like tooth decay, gum disease, and expensive dental procedures.

But here’s the good news: You don’t have to break the bank to protect your teeth. In this guide, we’ll break down everything you need to know about fluoride treatment cost, what impacts the overall cost, and the best budget-friendly options available for patients without insurance.

What is Fluoride Treatment?

Your teeth go through a lot every day—eating, drinking, and fighting off bacteria that can cause tooth decay. Over time, acids from food and plaque wear down your tooth enamel, the protective outer layer of your teeth.

That’s where fluoride comes in. Fluoride is a natural mineral that helps strengthen tooth enamel, making it more resistant to cavities and gum disease. It’s one of the most effective ways to prevent cavities and keep your dental health in check.

What to Expect During Treatment

Getting a fluoride treatment is quick, painless, and typically done during regular dental visits. The dentist or hygienist applies a concentrated fluoride solution to your teeth in one of the following forms:

• Gel
• Foam
• Varnish
• Mouth trays

The application process takes just a few minutes. The fluoride works by absorbing into your tooth enamel, strengthening it and helping to prevent cavities.

After the treatment, you’ll be advised to avoid eating or drinking for at least 30 minutes to allow the fluoride to absorb fully. It’s a fast, effective, and simple way to maintain good oral health.

Benefits of Fluoride Treatment

A simple fluoride treatment can make a big difference in protecting your teeth, especially if you’re at high risk for tooth decay. Here’s why this treatment is a smart investment:

• Prevents cavities
• Reverses early tooth decay
• Lowers risks of gum disease
• Saves money on dental procedures
• Quick and painless
• Beneficial for all ages

By getting regular fluoride treatments, you’re making a small but powerful step toward better oral health without the hefty price tag of major dental procedures.

When Should You Get Fluoride Treatment?

The American Dental Association (ADA) recommends that children start fluoride treatments as soon as their first teeth appear, usually around six months old. For adults, the frequency depends on individual risk factors. Most patients benefit from regular fluoride treatments every six months during routine cleanings, but your dentist may recommend more frequent applications if you’re at high risk for tooth decay due to factors like dry mouth, weak tooth enamel, or frequent cavities.

Fluoride Treatment Costs

The cost of fluoride treatments can vary widely depending on several factors, including:

• The type of treatment
• The dental office or clinic you visit
• Your geographic location
• Whether you have dental insurance

Some dental practices charge higher fees based on their expertise, while others offer more affordable options. The overall cost also depends on whether the treatment is part of a bundled services package during a routine cleaning or a standalone procedure.

Adult Fluoride Treatment

Without insurance, a professional fluoride treatment at a dental office typically costs between $20 and $50 per session. Some insurance providers cover fluoride treatments for adults at high risk for tooth decay, while others only cover it for children.

Pediatric Fluoride Treatment

Pediatric dental care typically includes fluoride treatments as part of preventive care since children are more prone to tooth decay. The cost of fluoride treatment for children without insurance usually ranges from $10 to $30 per visit. Many dental insurance plans cover fluoride treatments for children under 18, often at no extra charge when included with routine cleanings.

Fluoride Treatment Payment Options for Uninsured Patients

Paying for fluoride treatments without insurance can feel daunting, but there are affordable options available. Let’s explore some of the best payment options that can help make this essential preventive care more affordable.

Community Health Clinics

Many community health clinics offer low-cost or even free fluoride treatments as part of their mission to provide accessible dental care. These clinics receive government funding or operate on a sliding scale based on income.

To find a clinic near you, check local public health department websites or use online directories like the Health Resources & Services Administration (HRSA) database. Availability can vary widely, so call ahead to ask about costs and appointment scheduling.

Dental School

Visiting a dental school is another way to get affordable fluoride treatments while helping future dentists gain hands-on experience. These schools offer significantly reduced dental services because licensed instructors closely supervise students during treatment.

The application process may take a little longer than a traditional dental office, but the savings can be worth it. Search for accredited dental schools in your geographic location through the ADA website and contact them directly to ask about fluoride treatment costs and availability.

Discount Health Plans

If you’re looking for an alternative to dental insurance, discount health plans like AmeriPlan can help you save on fluoride treatments and other essential dental procedures. These health benefit plans provide access to discounted dental services at participating dental offices for a low monthly fee.

Unlike traditional insurance policies, there are no waiting periods or higher fees for pre-existing conditions. To enroll, visit their website, sign up for a membership, and search for participating dentists in your area.

Dentists Who Offer Payment Plans

Some dental practices offer payment plans that allow you to split the cost of fluoride treatment into smaller monthly payments instead of paying all at once. When booking an appointment, ask your dental office if they offer payment plans and whether they have interest-free options. Third-party financing companies like CareCredit also provide flexible financing for dental care so you can get the treatment you need without delaying preventive care due to cost concerns.

Protect Your Smile Without Breaking the Bank with AmeriPlan

Taking care of your teeth shouldn’t be a financial burden, and skipping fluoride treatments due to cost can lead to bigger dental problems down the road. Regular fluoride treatments are an important part of maintaining good oral health. The challenge? If you’re without insurance, even small dental care expenses can add up fast.

That’s where AmeriPlan comes in. As a trusted discount health plan, AmeriPlan offers a budget-friendly way to save on fluoride treatments and other essential dental services. With affordable dental discount plans starting at just $19.95 per month for the entire household, you can access discounted dental care at over 100,000 top dental offices—without the high price tag of traditional dental insurance plans.

Don’t let the cost of fluoride treatment keep you from getting the preventive care you need. Check out our Dental Plus discounted health plan to see how we can help you and your loved ones access the care you deserve.

Fluoride Treatment Payment Options for Uninsured Patients: Key Takeaways

• Fluoride treatment is a quick, painless dental procedure that strengthens tooth enamel, helps prevent cavities, and reduces the risk of tooth decay by making teeth more resistant to acid and bacteria.
• The cost of fluoride treatment can vary widely depending on your dental office, geographic location, and whether you have dental insurance.
• Uninsured patients can reduce the cost of fluoride treatments by visiting community health clinics and dental schools, enrolling in discount health plans like AmeriPlan, or finding dentists who offer payment plans.

We know that combining the words “discount” and “health” may cause alarm. After all, you only have one body and want the best health care available to maintain your good health. However, a discount health membership plan can help you get the care you need – while reducing out-of-pocket costs. Here’s how to choose a health benefit plan to help the people in your household.

Health Insurance Plans vs Health Benefit Plans

Knowing the ins and outs of health insurance plans and health benefit plans can help you make an informed decision for your household. We’ll walk through the key differences and what each plan covers.

Health Insurance Plans

A health insurance plan covers various medical expenses, including:

• Doctor visits
• Hospital stays
• Prescription medications
• Preventive care
• Other healthcare services

Health insurance plans vary widely in terms of coverage, cost, and the types of services covered. Health insurance aims to help individuals manage the financial risk associated with medical expenses by spreading the cost across a larger pool of insured individuals.

Health Benefit Plans

A health benefit plan, on the other hand, does not pay for any medical expenses. Instead, members (typically those without health insurance or people with high-deductible plans) have access to discounts for medical services and prescription medicine – as long as they pay for these services when they receive them.

While health insurance participants typically pay high premiums, you can join a health benefit plan covering your household for less than $40 per month.

Choosing the Right Health Benefit Plan for You

AmeriPlan offers three different plans. Here’s a summary of each plan so you can choose the right one for your household.

1. Deluxe Plus

Deluxe Plus is AmeriPlan’s most inclusive plan. While not a health insurance plan, Deluxe Plus gives you access to discounted telehealth services and discounts to prescription drugs, dental, vision, chiropractic, and ancillary medical services. The plan is also helpful if you ever find yourself in need of hospitalization – as advisors are available to address healthcare questions, concerns, and needs. 

2. Dental Plus

You may already have health insurance, but you lack dental coverage. If this describes your situation, the Dental Plus plan might be the best option for your household. Members of this plan have access to discounts at over 100,000 dentists across the U.S. Like all of the AmeriPlan options, there’s no paperwork to fill out, and having a preexisting condition doesn’t preclude you from this plan. Instead, you can enjoy discounts when you sign up – on exams, x-rays, root canals, orthodontist work, and more.

3. Telehealth Plus

Telemedicine is gaining in popularity. This plan option allows you to schedule a phone appointment with mental health professionals, cardiologists, OB/GYNs, pediatricians, and more. A network physician will review your medical questions, diagnose your condition, recommend treatment, and, if medically necessary, write you a prescription. Consultation costs are capped at $35 and could be lower depending on your area.

Which is the best plan for you? Talk with one of our AmeriPlan consultants to learn more.

Key Takeaways on Reducing Out-of-Pocket Costs for Healthcare

• Medical discount plans are not the same as health insurance.
• AmeriPlan offers three plan types.
• Talk with an AmeriPlan consultant to learn which plan is right for you.

There’s a lot of confusion and misinformation about discount health programs. The most important thing to remember is that a medical discount plan can help you save money on medical services – even though it’s not health insurance.

We know this sounds confusing. Keep reading as we discuss how a discount program will help you save on out-of-pocket costs for prescription drugs, doctor’s visits – and even vision services and dental care. 

Differences Between a Health Insurance Plan and a Medical Discount Plan 

Medical discount plans are not the same as health insurance plans. However, they can both reduce medical costs.

What is Health Insurance?

A health insurance plan provides financial coverage for medical expenses in exchange for regular premium payments. The cost of your premium payments depends on the plan and whether it covers an individual or a family. Health insurance plans vary widely in terms of coverage, price, and specific benefits.

Health insurance plans provide coverage for a range of medical services, including but not limited to:

• Preventive care
• Hospital stays
• Surgeries
• Prescription drugs
• Maternity care

The specific benefits will depend on the type of plan and its coverage options.

What is a Medical Discount Plan?

A medical discount plan does NOT provide financial coverage for medical expenses. Instead, members receive discounts on specific medical expenses in exchange for paying a low monthly membership fee. The membership fee allows everyone in your household to receive discounted medical services, including non-family members.

How Discount Health Programs Help You Save on Healthcare Costs

Here’s how members save money on healthcare costs when using a medical discount plan.

1. Enroll in a plan, such as one offered by AmeriPlan.
2. Make an appointment with an in-network healthcare provider.
3. Arrive at your appointment with your discount card and pay for your service. In-network healthcare providers agree to offer discounts to plan users as long as they don’t submit any claims to insurance companies and pay at the time they receive the service.

That’s it! There’s no paperwork to file. 

Types of Services That Can Be Discounted Through Medical Discount Plans

You can save money on almost any type of medical service when using a medical discount plan. Here are some examples of services and items that you might be able to save money on when becoming a plan member:

• Prescription drugs
• Laboratory services
• Durable medical equipment
• Office visits
• Dental visits
• Vision services
• Hospital stays
• Chiropractic visits
• Urgent care
• Ancillary medical services

AmeriPlan makes healthcare more affordable, and there are no contracts or lengthy paperwork to complete. In addition, you can’t be denied membership because of your current health situation or pre-existing conditions.

Learn more about medical discount plans by contacting an AmeriPlan representative today.

Medical Discount Plan: Key Takeaways

• Medical discount plans are not the same as health insurance plans.
• Medical discount plans give you access to discounts on medical costs.
• You must pay at the time of service and use an in-network provider to obtain a discount.
• Medical discount plans are much more affordable than health insurance premiums. 

Affordable healthcare becomes increasingly vital as we age. Here are some thoughts about finding affordable healthcare, seniors. We’ll give you ideas on how to save on medical costs – including costs associated with dental and vision care.

Health Coverage Options for People Younger than 65

If you are under the age of 65, you may be able to find insurance plans in the health insurance marketplace from the Affordable Care Act (ACA).  However, the cheapest health insurance will have a high deductible and cover few preventive services.

If this describes your situation, consider using a health benefit plan to help you fill in the gaps. A health benefit plan is not the same as a health insurance plan. Here’s how it works:

You purchase a plan that covers your entire household for less than $40 per month. Then, whenever you need health services, you make an appointment with a local in-network doctor, who has agreed to provide medical services at a discounted rate. (Please note that to receive the discount, you must pay when you receive your services.)

A health benefit plan is an excellent option for those without health insurance. It reduces out-of-pocket costs on doctor’s appointments, prescription drugs, and other healthcare services.

Additionally, a health benefit plan can be used by those with a high deductible health insurance plan. If this describes your situation, you can use a health benefit plan to receive discounts for your healthcare services. (Please note that if you use a medical discount plan and pay cash for services, the amount you spend will not go toward your deductible.) 

Health Coverage Options for People Over 65

When you turn 65, you are eligible for Medicare, a federal health insurance program. During open enrollment, you have the option of signing up for Original Medicare (Medicare Parts A & B) or a Medicare Advantage Plan (Medicare Part C).

While Medicare covers most medically necessary healthcare services, it does not cover visits to the dentist or eye doctor. This is where the medical discount plan can help. For an average monthly cost of less than $40, your household can receive discounts for services you receive from your local eye doctor or dentist. And unlike health insurance companies, a medical discount plan company doesn’t require you to fill out lengthy forms or receive a physical.

Medical Discount Plans vs. Health Insurance/Medicare

Again, a medical discount plan is different from health insurance you would purchase from an insurance company. Here’s what you need to know about these two options for making medical care more affordable.

Health Insurance plans: Health insurance costs are skyrocketing. To get the best health insurance coverage (with a low deductible and comprehensive coverage,) expect to pay over $1,000 monthly in health insurance premiums. Plans with high deductibles are more affordable – but you will have high out-of-pocket costs before your health insurance kicks in and pays for services. 

Medical discount plans: Medical discount plans are affordable – and can be used by the entire household. And there are no household income requirements for purchasing a plan.

Medicare: Medicare coverage is great for those without retiree health benefits. However, Medicare doesn’t cover all of your health care costs – such as prescription drug coverage and visits to the dentist and eye doctor. You can purchase a marketplace plan to cover these essential health benefits, but you will have to pay more for these plans. 

Medical discount plans: Medical discount plans can be used with your Original Medicare plan to make things that Medicare doesn’t cover more affordable.

If you are unsatisfied with your health insurance options, contact an AmeriPlan consultant. We offer a low-cost health plan that gives you access to discounted services, prescription drugs, and more. 

Key Takeaways on Affordable Healthcare Seniors

• Those under 65 may try to get marketplace coverage, but low-cost coverage means high deductible policies.
• Those 65 and older may qualify for Medicare, but they will need to purchase coverage for dentist and eye doctor visits – or pay out of pocket for these services. Affordable healthcare seniors continues to be a challenge. 
• Medical discount plans lower the cost of uncovered healthcare services.

Discount healthcare plans have received some bad press. We want to take this opportunity to remind our clients of the truth about medical discount plans. Below, we will present discount healthcare plan myths.

Myth #1: Medical discount plans masquerade as health insurance.

Companies may need to be more transparent about the services they provide consumers. However, top-tier medical discount plans are clear that their programs are alternatives to high-priced health insurance.

In fact, the name – medical discount plan – precisely details the goal of such programs – to provide discounts on healthcare costs. This is not the goal of an insurance company. 

Truth: Discount plans have different goals than health insurance plans. If a medical discount plan company presents itself as a health insurance provider, contact your state insurance commissioner or Better Business Bureau.

Myth #2: Medical discount plans can’t be used if you have health insurance. 

Again, medical discount plans and health insurance plans are different. If you have health insurance, you should not cancel your coverage when signing up for a medical discount plan.

Some people with health insurance feel that there’s a financial incentive to use discount plans in conjunction with their health insurance. 

For example, you may have purchased a high-deductible health insurance plan to reduce monthly costs. You may never meet your deductible if you and your family members are relatively healthy. 

If this describes your situation, you may save on healthcare costs by paying for the discounted medical service in cash – instead of having the full price for the service and having it go toward your deductible that you never meet. 

Truth: Some people with high deductible health insurance plans may save money by paying for the discounted medical service in cash at the time of the service.

Myth #3: Medical discount plans do not offer any health care services.

The primary goal of a medical discount plan is to help people save money on health care costs – as long as they use participating providers. However, the benefits of such companies may vary. Some offer telehealth services as a simple, affordable complement to everyday healthcare needs. 

For example, AmeriPlan’s Telehealth Plus plan allows you to connect with U.S. board-certified doctors by phone – seven days a week for $35 or less per call. The network physician will review your medical questions, diagnose your condition, recommend treatment, and, if medically necessary, write you a prescription. 

While it’s true that most discount plans and health insurance companies do not offer any health care services – AmeriPlan does.

Truth: AmeriPlan’s Telehealth Plus plan provides access to healthcare professionals – without having to leave your home.

Myth #4: Medical discount plans cost thousands per year.

Be wary of medical discount plans that charge thousands of dollars for their program. (If you have thousands of dollars to spend on healthcare, purchase an insurance plan from the marketplace.) 

The benefit of working with a company offering medical discount plans is that the monthly fees are affordable – and such programs offer legitimate discounts on drug costs, dental visits, blood work, and more.

Truth: AmeriPlan offers three affordable options. Your entire household could benefit from the plan for less than $39.95 per month. 

Read the Fine Print When Signing Up for a Medical Discount Plan

Unfortunately, there are a lot of false claims about health discount plans. Ensure you have all the facts by reading the fine print of every program before signing up for services. 

AmeriPlan welcomes your scrutiny. We have nothing to hide. We state clearly that our medical discount plan is NOT the same as a health insurance plan. But, by signing up for our program, you can save money on prescription drugs and healthcare services for your entire household.

Learn more about the AmeriPlan programs by filling out the contact form on our website.

Key Takeaways About Discount Healthcare Plan Myths

• Medical discount plans are not the same as health insurance.
• You can be enrolled in a health insurance plan and medical discount plan simultaneously.
• Some medical discount plans offer medical services.
• Medical discount plans should be affordable.
• Read the fine print before signing up for a medical discount plan.

If you are an American without vision insurance, you are not alone. In fact, it’s estimated that 63% of Americans do not have vision coverage. What do you do if you need an eye exam without insurance? 

We’ll give you one great tip for keeping vision exam costs down. But first, let’s discuss the benefits of having a routine eye exam.

Benefits of Having Routine Eye Exams – Even Without Vision Insurance

Does vision coverage even matter? You may have never been to an eye doctor and have perfect vision and good eye health. While this might have been your experience up to this point, people seem to have more vision problems as they age. So, even if you have never been in an eye doctor’s office, you may eventually need an eye exam.

Here are some benefits of having routine eye exams. 

• Eye exams are necessary to keep your glasses and contact lens prescription current.
• An annual eye exam also checks for eye diseases and conditions like glaucoma, macular degeneration, and color blindness.
• An eye exam can detect signs of diabetes, lupus, and high blood pressure. 

As you can see, a comprehensive eye exam has many benefits – besides being necessary for prescription eyeglasses. But if you don’t have insurance, how will you afford it?

Paying for a Comprehensive Eye Exam Without Insurance

An eye exam costs between $75 to $200, with the price dependent on the location and the type of exam. (For example, a contact lens exam might cost more.)

It’s important to note that health insurance policies and Medicare do not typically cover routine eye exams. So, even those with health insurance may be on their own in paying for annual eye exams.

However, there’s an organization that can help you lower your eye exam costs. 

AmeriPlan is not a vision insurance plan. Instead, it is a health benefit plan designed to make healthcare more affordable. Here’s how it works:

You pay a low monthly membership fee that covers everyone in your household. Then, you make an appointment with one of the 12,000 optical providers nationwide who have agreed to provide services to AmeriPlan members. 

You will pay a discounted service rate when you arrive at the appointment. There won’t be any additional insurance paperwork to complete. All you will need to do is show your AmeriPlan medical card.

Besides low-cost eye exams, here are the additional benefits you can expect as a member of AmeriPlan:

• Up to 60% off on all frames, lenses, tints, scratch-resistant coatings, and ultra-violet protection
• Up to 50% off on ophthalmology eye exams and LASIK surgery with certain providers in selected markets
• Up to 40% off on replacement contact lenses, including daily wear, extended wear, disposable, tinted, bifocals, and gas-permeable

Plus, you will receive services from qualified healthcare professionals.

Don’t let the eye exam cost keep you from getting the help you need. Check out AmeriPlan today to learn more about how to make healthcare more affordable for your household.

Key Takeaways About Affordable Vision Coverage

• Most health insurance plans do not cover routine eye care.
• Vision insurance plans can be expensive and may only cover some of your ocular health needs.
• Medical discount plans are different from eye insurance. They help families receive discounted rates for services they receive.

Some people think that they can’t afford to go to the doctor. But regular health check-ups – especially if you have risk factors for cardiovascular disease – can save you money in the long run.

Don’t just take our word for it. According to the director of the Office of Disease Prevention and Health Promotion, “preventive services can both help prevent illness and identify health problems early, when clinical interventions are most beneficial. Preventive services include screenings, tests, checkups, patient counseling, and vaccines to help define risks for, prevent, or recognize diseases and other potential health problems.”

According to Web MD, here are some checks and tests you shouldn’t miss.

Routine Physical Exam

During a routine physical exam, a doctor will record your weight, height, body mass index, and vital signs (such as pulse and blood pressure). They will review your family history, ask about your lifestyle, and listen to your heart and lungs.

Do you need to have a physical examination every year? That depends on your age, general health, and whether you have risk factors for any certain diseases or types of health problems.

Cholesterol

High cholesterol can lead to heart disease and stroke. Your doctor will likely recommend that you check your cholesterol more often if you’re an older adult, male, overweight, or have a family history of heart disease, high cholesterol, or diabetes.

Colorectal Cancer Screening

Talk with your healthcare provider to see if it is time to begin colorectal cancer screenings. These tests look for cancer in the colon or rectum by checking for blood or tissue growths called polyps. These tests are given earlier if the patient has a high risk for this type of cancer.

Blood Sugar

A blood sugar test is a simple test that measures the glucose level in your blood. This routine test is most often given to those who are overweight, have high cholesterol or high blood pressure, or have had gestational diabetes.

Breast Cancer Screening (Mammogram)

Talk to your doctor to see if you should add a mammogram to your annual checkup. But, of course, go to your doctor’s office if you have the following breast symptoms:

• a lump in the breast
• swelling of all or part of the breast
• skin irritation or dimpling
• breast or nipple pain.
• nipple retraction
• nipple discharge

Cervical Cancer Screening

A Pap test checks for changes in your cervix that could become cancer. Using those same cells, the lab can screen for HPV, a virus that can lead to cervical cancer. You may need both tests or one, depending on your age and medical history.

Other Tests to Consider

Of course, there are other tests to consider. Men should be checked for prostate cancer, and everyone should be on the lookout for signs of skin cancer. 

Please understand that this is not an exhaustive list. Instead, it’s to remind you of the importance of seeing a doctor regularly – especially if you have high-risk factors for chronic disease.

How to Pay for Health Screenings If You Have Risk Factors

Consider purchasing an AmeriPlan package before visiting your primary care physician. AmeriPlan is a medical discount program that allows you to save money on regular checkups, screening tests, and blood work. Here’s how it works.

You purchase a plan. Everyone is charged the same regardless of personal history, health conditions, lifestyle choices, or family history.

You schedule an appointment with an AmeriPlan healthcare provider. These individuals have agreed to provide services for a certain amount as long as the patient agrees to pay in cash at the time of the appointment. 

It’s that easy.

Contact AmeriPlan today to learn more about our medical discount program.

Key Takeaways

• Routine checkups and tests can help with the early detection of some medical conditions, chronic illnesses, and diseases.
• You can get a routine checkup – even if you don’t have medical insurance.
• Health benefit plans make healthcare more affordable.

Before we offer advice on choosing a discount health plan, it’s important that you understand the difference between health insurance and discount plans. Discount health plans are not the same as health insurance. Instead, a discount health plan organization arranges for discounts on medical services and prescriptions. Your medical discount card will help you save money on medical services – if you choose specific providers and pay cash for your services and medications.

You can purchase a discount health plan to supplement your insurance – especially if you don’t have dental or vision coverage. 

However, some buy a discount health plan because they can’t find affordable health insurance for their families and are seeking discounts on health care costs. 

How to Choose a Discount Health Plan

Several companies offer medical discount plans. Here are some tips on how to pick a company that is right for you.

Compare costs.

There is a cost for being able to participate in a discount plan. Of course, discount plans are much less expensive than health insurance premiums because, unlike an insurance company, a discount plan doesn’t pay for any of your healthcare costs. 

But still, different discount plan companies charge different monthly (or yearly) membership fees. You pay regardless of whether you use the discount for medical costs. 

Most companies have several plan options. Make sure you know which plan you are signing up for to reduce your out of pocket costs for health care. 

Compare discounts.

Just as you would compare health coverage in the health insurance marketplace – compare the discounts you would receive with each medical discount plan. The cheapest plan isn’t always the best option. 

If you are purchasing a medical discount plan in addition to an insurance plan, you might make sure that the discount plan offers discounts on healthcare not covered by your insurance – such as chiropractic care, dental treatment, or vision. (It’s important to note that the money you spend on discounted healthcare through your plan will not go toward your deductible.)

If you don’t have health insurance, read the fine print to see what discounts you can receive on medical care. For example, you may seek a plan offering online health services (telehealth). In addition, you may be looking for a discount on prescription drugs or chiropractic care. 

Compare participants. 

Just as not all healthcare providers work with every insurance company, not all doctors work with every medical discount plan organization.

Check with your current healthcare provider – or other providers in your area – to see if they participate in the plan you are considering before you purchase a membership.

Check to see if there’s a waiting period.

Check to see if there is a waiting period before you can receive benefits from the health discount plan. Some plans allow you to start receiving discounts immediately; others may require you to wait until you receive your membership card.

Look at reviews.

Read reviews of each medical discount plan. Pay attention to how the discounted rates compare with the monthly cost of the membership fee.

Looking for Discounts on Medical Services? AmeriPlan is a Great Option!

Not everyone can afford the high monthly premiums required for health insurance. However, not everyone qualifies for Medicaid services. If you are looking for a way to pay less for your medical needs, consider AmeriPlan.

We offer three plans – AmeriPlan Deluxe Plus, AmeriPlan Dental Plus, and Telehealth Plus. You don’t have to wait for open enrollment – and you don’t have to pay an exorbitant monthly premium. Instead, you simply pay a low-cost membership fee to receive discounts on certain services at your healthcare provider.

Contact AmeriPlan today to learn more about healthcare discount plans.

Key Takeaways on How to Choose a Medical Discount Plan Company

• Compare the monthly or yearly cost for each plan.
• Read the fine print to understand the available discounts.
• Make sure your preferred healthcare provider accepts the discount plan.
• See if there’s a required waiting period before you can start receiving discounts.
• Look at the online reviews of each plan to see if there are any red flags.