First of all discount health cards are not insurance but offer discounts on services from doctors, pharmacists, etc. who accept these cards. Because of the fact that these dicount cards are not insurance fewer consumer protections exist for buyers.
Secondly double-check the company and agent – Certain associations, banks, employers and others also provide discount cards but there is the potential for confusion and fraud with respect to discount cards.
Thirdly check the benefits – Discount cards do not pay medical claims, instead enrollees are responsible for paying for services at the time care is received. Check with the company to make sure that there is a provider in its network that meets your needs and double check directly with the provider that the plan is accepted.
Fourth watch for “red flags” against possible fraudulent plans – the discount plans are often advertised through blast faxes, spam e-mails, internet pup-ups or signs posted on telephone poles. The company or agent will not give you a lost of providers until after you purchase the discount card. You are asked for debit or credit card information or a large up-front fee.
Lastly get more information – visit your states insurance website for information about discount health cards.
