{"id":2197,"date":"2023-06-07T10:23:43","date_gmt":"2023-06-07T15:23:43","guid":{"rendered":"https:\/\/ameriplanstage.wpengine.com\/?p=2197"},"modified":"2024-12-16T12:02:32","modified_gmt":"2024-12-16T18:02:32","slug":"choosing-discount-health-plan","status":"publish","type":"post","link":"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/","title":{"rendered":"Factors to Consider When Choosing a Discount Health Plan"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0 0 0 0;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Before we offer advice on choosing a discount health plan, it&#8217;s important that you understand the difference between health insurance and discount plans.\u00a0<\/span><span style=\"font-weight: 400;\">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 \u2013 if you choose specific providers and pay cash for your services and medications.<\/span><\/p>\n<p><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">You can purchase a discount health plan to supplement your insurance \u2013 especially if you don&#8217;t have dental or vision coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, some buy a discount health plan because they can&#8217;t find affordable health insurance for their families and are seeking discounts on health care costs.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#How_to_Choose_a_Discount_Health_Plan\" >How to Choose a Discount Health Plan<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Compare_costs\" >Compare costs.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Compare_discounts\" >Compare discounts.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Compare_participants\" >Compare participants.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Check_to_see_if_theres_a_waiting_period\" >Check to see if there&#8217;s a waiting period.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Look_at_reviews\" >Look at reviews.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Looking_for_Discounts_on_Medical_Services_AmeriPlan_is_a_Great_Option\" >Looking for Discounts on Medical Services? AmeriPlan is a Great Option!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#Key_Takeaways_on_How_to_Choose_a_Medical_Discount_Plan_Company\" >Key Takeaways on How to Choose a Medical Discount Plan Company<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Choose_a_Discount_Health_Plan\"><\/span><span style=\"font-weight: 400;\">How to Choose a Discount Health Plan<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Several companies offer medical discount plans. Here are some tips on how to pick a company that is right for you.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Compare_costs\"><\/span><span style=\"font-weight: 400;\">Compare costs.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is a cost for being able to participate in a discount plan. Of course, discount plans are much <a href=\"\/health-plan-vs-health-insurance\/\">less expensive than health insurance<\/a> premiums because, unlike an insurance company, a discount plan doesn&#8217;t pay for any of your healthcare costs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most companies have several plan options. Make sure you know which plan you are signing up for to <a href=\"\/spending-for-prescription-drugs\/\">reduce your out of pocket costs<\/a> for health care.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Compare_discounts\"><\/span><span style=\"font-weight: 400;\">Compare discounts.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Just as you would compare health coverage in the health insurance marketplace \u2013 compare the discounts you would receive with each medical discount plan. The cheapest plan isn&#8217;t always the best option.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 <a href=\"\/healthcare-for-unemployed\/\">healthcare not covered by your insurance<\/a> \u2013 such as chiropractic care, dental treatment, or vision. (It&#8217;s important to note that the money you spend on discounted healthcare through your plan will not go toward your deductible.)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you don&#8217;t have health insurance, read the fine print to see what discounts you can receive on medical care. For example, you may seek <a href=\"\/telehealth-plus\/\">a plan offering online health services<\/a> (telehealth). In addition, you may be looking for a discount on prescription drugs or chiropractic care.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-fusion-600 wp-image-2199\" src=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-600x400.jpg\" alt=\"medical services\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-200x133.jpg 200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-300x200.jpg 300w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-400x267.jpg 400w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-600x400.jpg 600w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-768x512.jpg 768w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-800x533.jpg 800w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-1024x683.jpg 1024w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services-1200x800.jpg 1200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/medical-services.jpg 1254w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Compare_participants\"><\/span><span style=\"font-weight: 400;\">Compare participants.\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Just as not all healthcare providers work with every insurance company, not all doctors work with every medical discount plan organization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Check with your current healthcare provider \u2013 or other <a href=\"\/locate-providers\/\">providers in your area<\/a> \u2013 to see if they participate in the plan you are considering before you purchase a membership.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Check_to_see_if_theres_a_waiting_period\"><\/span><span style=\"font-weight: 400;\">Check to see if there&#8217;s a waiting period.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Look_at_reviews\"><\/span><span style=\"font-weight: 400;\">Look at reviews.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><a href=\"\/testimonials\/\">Read reviews<\/a> of each medical discount plan. Pay attention to how the discounted rates compare with the monthly cost of the membership fee.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Looking_for_Discounts_on_Medical_Services_AmeriPlan_is_a_Great_Option\"><\/span><span style=\"font-weight: 400;\">Looking for Discounts on Medical Services? AmeriPlan is a Great Option!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Not everyone can afford the high monthly premiums required for health insurance. However, not everyone <\/span><span style=\"font-weight: 400;\">qualifies<\/span><span style=\"font-weight: 400;\"> for Medicaid services. If you are looking for a way to pay less for your medical needs, consider <a href=\"\/\">AmeriPlan<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We offer three plans \u2013 AmeriPlan Deluxe Plus, AmeriPlan Dental Plus, and Telehealth Plus. You don&#8217;t have to wait for open enrollment \u2013 and you don&#8217;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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contact AmeriPlan today<\/span><span style=\"font-weight: 400;\"> to learn more about healthcare discount plans.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways_on_How_to_Choose_a_Medical_Discount_Plan_Company\"><\/span><span style=\"font-weight: 400;\">Key Takeaways on How to Choose a Medical Discount Plan Company<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare the monthly or yearly cost for each plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Read the fine print to understand the available discounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure your preferred healthcare provider accepts the discount plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">See if there&#8217;s a required waiting period before you can start receiving discounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look at the online reviews of each plan to see if there are any red flags.\u00a0<\/span><\/li>\n<\/ul>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 11vh;margin-top : 0px;padding-right : 0px;padding-bottom : 11vh;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Before we offer advice on choosing a discount health plan, it&#8217;s important that you understand the difference between health insurance and discount plans.\u00a0Discount 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 [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-2197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical-discount"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Factors to Consider When Choosing a Discount Health Plan<\/title>\n<meta name=\"description\" content=\"Here&#039;s important information about choosing a discount health plan for medical services. Read this before you sign up for a membership.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lin McLeod\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/\"},\"author\":{\"name\":\"Lin McLeod\",\"@id\":\"https:\/\/www.ameriplanusa.com\/#\/schema\/person\/52f474fa680774d7a1e9356c59434d58\"},\"headline\":\"Factors to Consider When Choosing a Discount Health Plan\",\"datePublished\":\"2023-06-07T15:23:43+00:00\",\"dateModified\":\"2024-12-16T18:02:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/\"},\"wordCount\":942,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/choosing-a-discount-health-plan.jpg\",\"articleSection\":[\"Medical Discount\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/\",\"url\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/\",\"name\":\"Factors to Consider When Choosing a Discount Health Plan\",\"isPartOf\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ameriplanusa.com\/choosing-discount-health-plan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2023\/05\/choosing-a-discount-health-plan.jpg\",\"datePublished\":\"2023-06-07T15:23:43+00:00\",\"dateModified\":\"2024-12-16T18:02:32+00:00\",\"description\":\"Here's important information about choosing a discount health plan for medical services. 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