Discount health cards provide one part of the solution to the nation’s healthcare crisis by enabling consumers to purchase healthcare products and services at discounted retail rates. Discount health cards are not insurance and are not intended to replace insurance. In fact, many consumers choose a discount card to complement their health insurance program, filling in gaps such as prescription drug benefits or vision care. In addition, discount health programs typically include the cardholder’s entire household.
Discount health cards enable consumers to purchase healthcare products and services from providers at discounted prices, similar to the rates that healthcare providers charge wholesale customers such as preferred provider networks (PPOs) or large insurance plans. Many consumers choose a discount card to complement their health insurance program, filling in gaps, such as prescription drug benefits, chiropractic care, dental or vision care. Discount health cards have gained popularity because they provide consumers access to the healthcare they need without the limitations, exclusions and paperwork associated with insurance plans.
Discount health programs, or discount benefits cards as they are sometimes called, were created to help bridge the gap for consumers burdened by the increasing cost of healthcare by providing opportunities to directly purchase healthcare services and products at discounted retail rates. Discount cards offer: Individuals and families without insurance can use discount programs to receive access to and substantial savings on health care services such as doctor visits, hospitalization, prescription drugs, eyeglasses and dental care that they might otherwise not afford.
While insurance rates have increased at double-digit rates over the past 12 years, discount card providers have kept their rates virtually unchanged. Those with limited insurance, the under-insured, and insured individuals with high deductibles can reduce out-of-pocket expenses and receive discounts for services not normally covered by insurance such as chiropractic care. In some cases, consumers with discount health cards pay less for services such as dental and vision care than those covered by traditional insurance plans. Discount programs are accepted at some of the nation’s largest healthcare retailers including national pharmacy and optical chains. While each program varies, many companies offer programs with providers that include:Read More