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How To Save Money On Healthcare When You Are Paying Out-Of-Pocket
Can I REALLY Save Money When Paying Out-Of-Pocket Instead Of Using Health Insurance?
YES! Health insurance has changed drastically in the last ten years. Most plans nowadays have ridiculously high deductibles, outrageous monthly rates and with "cost-sharing" most of them don't really cover much of what many of us need to be covered. Saving money on your healthcare needs for you AND the members of your household doesn't have to be expensive or complicated. A good medical discount plan can help you save THOUSANDS of dollars every year without all the restrictions, limitations and high prices that are often involved when using traditional health insurance.
What Is A Medical Discount Plan?
Medical discount plans are a great way for consumers to have access to affordable healthcare and save 10-80% on their healthcare needs. These plans are not insurance. They are plans that offer a wide array of healthcare services at a discount. Thousands of medical providers in the United States have partnered with companies that offer medical discount plans, to offer their services at a predetermined discounted rate.
Medical Discount Plan vs Health Insurance
There are many differences between health insurance and medical discount plans. Unlike health insurance, most discount plans don't have strict terms and conditions on how and when you can use your medical benefits. With most discount plans there are no co-pays, claim forms, deductibles, waiting periods, age limits, or limits on the amount of times you can use your benefits. Many discount plans also have tele-medicine features that allow you to see a doctor virtually for minor illness and receive a prescription when necessary. They also allow you to change providers at any time and have a very affordable low monthly cost that covers everyone in your household. Not all tele-medicine is created equal though. Many of them only allow for seeing a provider for minor illness. It's important to note that when choosing a medical discount plan, it's best to find one that allows for primary care (PCP), mental health, referrals to specialsts, medication refills, etc.
Benefits Often Include:
✔ No deductibles
✔ No claim forms
✔ No waiting periods
✔ No age restrictions
✔ No annual usage limits
✔ Affordable monthly pricing
✔ Household coverage
✔ Telemedicine access
Can I Use A Medical Discount Plan If I Already Have Health Insurance, Medicare, Or Medicaid?
Yes and no. While you can't use a discount medical plan AND your insurance at the same time, you CAN use your discount plan instead of your insurance. Many people who already have insurance choose to use their medical discount plan to fill in the gaps of their existing insurance needs. For instance if their insurance has limitations on the number of provider visits they have annually for dental, vision or chiropractic services, a medical discount plan can be used once those annual visits have been maxed out. Many traditional health insurances do not provide dental, vision, chiropractic or prescription benefits. A medical discount plan can help to fill in those gaps. A good example of this would be seniors on Medicare. Medicare Advantage plans are not only expensive, many of them don't cover things like dental and vision.
Why I Recommend AmeriPlan
Tele-medicine-speak to a doctor 24/7, receive a prescription if necessary. You can use the service for minor illness, primary care visits, mental health visits, and more medication refills, referrals to specialist, labwork. Visits as low as $29 (with Ameriplan member discount). You can change providers at any time. I personally use this service for my primary care physician. My visit fee with PCP I chose is $44 per visit with my Ameriplan discount. During my first visit, my doctor ordered a general lab panel for bloodwork and the cost was $78. I love this service because it is so convient for me to schedule virtual visits for my primary care needs.
What's Included In The Deluxe Plus Plan?
Real Member Savings
I called our online doctor and got a prescription called in...$50.00 and 2 hours saved AND another $27 saved at the pharmacy. AmeriPlan U ROCK!
Medical (pediatrician): regular price $75, AmeriPlan price $52 Medical (GP): regular price (first visit) $220, AmeriPlan price $130 Dental cleaning (no x-rays): regular price $140, AmeriPlan price $50 Blood work/strep test: regular price $130, AmeriPlan price $22 Chest x-ray: regular price $140, AmeriPlan price $40 Lots of blood tests: regular price over $900, AmeriPlan price $200 Dental cleaning: regular price $140, AmeriPlan price $50 Dental crown: regular price $1100, AmeriPlan price $565. Sheila B.
AmeriPlan saves! I was stung 5+ times yesterday by bees. Did usual at home remedies...ice, cortizone, etc. Woke up today with right hand completely swollen even going up my arm. Called tele-doc and a steroid prescription was called in to CVS, where I also can use my 'traditional insurance.'
AmeriPlan drs visit 17.50 + prescription 15.00 = 32.50
Regular Insurance Drs visit 75.00 + prescription 25.00 = 100.00
No Inurance Drs visit 120.00 + prescription 56.00= 176.00
savings AmeriPlan vs Reg Ins. 67.50
savings AmeriPlan vs No Ins. 143.50
Thank you AmeriPlan! Mary S.
Dental Benefits
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The above image is from my initial dental visit using my Ameriplan dental benefits. On the left the "Fee" is the retail cost without insurance or other benefits. "Pat" is my cost with the dental insurance I had at the time minus what my insurance would have paid. "Pri Ins" is the portion that my dental insurance would have paid. "Fee-12" is my cost using only my Ameriplan benefits. As you can see, my cost using Ameriplan is about 50% LESS than what I would have paid if I used my dental insurance.
Real Dental Savings
Went to the dentist this week for an exam, x-rays and a cleaning. Total bill was $377 but with my AmeriPlan benefits, I only paid $35.80! Kristie D.
My mother saved a total of $800 with her dentures at aspen dental, Thank you AmeriPlan. Debbie H.
"I saved money on complete dental treatment for my mother by using AmeriPlan discount benefits thanks to smart practices like Great Oak Dental in Arlington, TX... We received quote for 2,100.00 and paid $1471.00 total savings $629.00". Christina P.
Vision Benefits
Vision-eye exams, eye glasses and lenses, contacts, lasik vision correction.
Vision Savings Example
I went to a Lens Crafters for my eye exam and saved $20.00 on the exam alone. I then purchased some new glasses that are name brand. I am about blind as a bat and need to have my lenses thinned so I don't look like I'm wearing coke bottles! My lenses normally run $240.00 for the lenses ONLY and my new frames normally cost $162.00. My new glasses came out to $402.00 and then I handed them my AmeriPlan Card through Coast to Coast Vision. She gave me my new total of ONLY $219.00. My frames went from $162.00 down to $96.00 and my lenses went from $240.00 to $123.00. I saved a total of $183.00 on my frames and lenses by using AmeriPlan. That came out to be a 45% savings on my new glasses. Susan G.
Chiropractic Benefits
Chiropractic-free initial exam, 50% savings on diagnostic services, chiropractic treatment and services.I saved $20.00 on my chiropractic visit, $82.00 on my glasses, 30% on my contacts, and $7.00 on some cough medicine. I cannot brag on AmeriPlan enough. Donna O.
Prescription Drug Savings
Prescription drugs and diabetic supplies-save up to 85% on prescriptions, prescription refills, diabetic supplies and over the counter medications.
Prescription Savings Examples
My wife's doctor changed her Diabetic prescription. Her bill would have been $44. with AmeriPlan she paid $6.Love AmeriPlan! Patrick H.
Hospital Advocacy Benefits
What Hospital Advocacy Includes
✔ Bill Negotiation
✔ Healthcare Advocacy
✔ Surgery Saver
✔ Hospital Cost Reduction
✔ Patient Advocacy
If you've ever had an ER visit or hospital stay, you know how costly those can be. Most traditional health insurances only cover up to 50% AFTER you meet a deductible. Bill Negotiator is a dedicated patient advocate works with a member's healthcare provider to reduce their out of pocket portion of medical bills. In many cases, saving the member MORE than 50%. Surgery Saver helps you find a facility for your procedured at the lowest rate and Healthcare Advocacy allows you to have help with healthcare questions and navigating the healthcare system so you can receive the best care possible.
Real Hospital Savings Stories
Thanks to AmeriPlan, I was relieved of almost $7,000 in hospital bills. When I went to the ER for my shoulder back in August I received exams, x-rays, and an MRI totally almost $7,000! I called the Medical Advocate with my AmeriPlan coverage and they started the process. Salem Hospital dropped the ball numerous times, they took 4 months to process my paperwork and even sent me to collections (even though THEY had not processed my paperwork!) But the Medical Advocate did all that I expected and managed to get my ER visit covered 100%! I did not have to pay a penny! NOT A SINGLE PENNY! AmeriPlan's products and services are amazing; the medical advocate at Point Health, Elyse, was easy to work with and kept in regular contact. Two thumbs up! Jessica B.
Thanks to AmeriPlan. Through their phenominal Hospital Advocacy, they saved me $4000 in emergency room fees at Rex Hospital I incurred in Decemeber 2012/January 2013. I had no out of pocket costs for my hospital bills. Even traditional insurance won’t do that! I feel so blessed to be a part of this awesome business to not just have the services for myself and my family, but to also help millions of other families suffering from the current healthcare crisis. Alesha W.
I got admitted into Wake Medical Center in Raleigh, NC for 3 days. My bill came to $13,000. Through AmeriPlan’s Hospital Advocacy program, my bill went to $0. Thank you AmeriPlan! Desmond W.
Lab Work, X-Rays, MRI & Ancillary Services
Labwork, X-rays, CT scans, MRI's(aka ancillary services)-Ameriplan contracts with facilities all over the country to provide these services to you at the best discounted rates availalble. A healthcare advocate (included in the hospital benefit) can also help you locate facilities and services providers in your area. Other ancillary services include things like hospice, home-health services, pain management, physical therapy, diabetes care, orthotics and prosthetics, speech therapy, dietitions & nutrition, durable medical equipment, sleep diagnostics.
Real Lab Savings Example
I wanted to write and tell you about the wonderful experience I had using AmeriPlan Health. This was my first opportunity to use it. I needed some lab work done and called the number for a lab provider. They transferred me to DirectLabs-AmeriPlan Health where I was fortunate to talk to a rep named Chris Nall. He explained the process to me in detail. I told him all the tests I needed and he gave me the prices for each one. Without AmeriPlan Health I would have paid $547, with it I only paid $132, a savings of $415! Not only that but he faxed over all information to the lab, gave me instructions to fast and provided me with a location only a few miles from my house. The whole process went very smoothly. My belief in this product has soared. Amber M.
Additional Benefits
Wellness Screenings
Wellness screenings- A variety of life saving wellness screenings.
Hearing Benefits
Hearing-Free initial exam, disocunt on hearing aids and batteries, unlimited followups.
Who Can Use This Plan?
EVERYONE!
✔ Single Individuals
✔ Married Couples
✔ Families
✔ Seniors
✔ Medicare Recipients
✔ Medicaid Recipients
✔ Self-Employed Individuals
✔ Uninsured Individuals
✔ Underinsured Individuals
✔ Multi-Generational Households
There are no age limits, no paperwork, no waiting periods. Up to nine people PER HOUSEHOLD can be covered and they don't all have to be biologically related. With Ameriplan you aren't paying per person to get your monthly rate. All plans included everyone in the household, related or not, for the same low monthly price.
Watch The Full Benefits Overview
Ready To Start Saving Money On Healthcare?
With AmeriPlan You Get:
✔ No Annual Enrollment Period
✔ Immediate Access To Benefits
✔ Household Coverage
✔ Affordable Monthly Cost
✔ Thousands Of Participating Providers
✔ Healthcare Savings Year-Round
Ready to get started? JOIN NOW!
Important Disclosure
AmeriPlan® PROGRAMS ARE NOT INSURANCE!
The discount medical plans of AmeriPlan® offer a reduction in the cost of medical, dental, vision, pharmaceutical and chiropractic services. AmeriPlan® discount benefit programs are not insurance, nor are they an alternative to or substitution for insurance coverage. Since they are not health insurance, members must use AmeriPlan® providers and members are responsible for payment to the AmeriPlan® providers at point of service of discount healthcare fees incurred. If you currently have insurance, you should be aware that canceling that policy may make it difficult to later obtain coverage. AmeriPlan® recommends that you speak to your insurance agent or your company's insurance administrator before canceling any health insurance policy for any reason. The range of discounts for medical or ancillary services provided under this plan will vary depending on the type of provider and medical or ancillary service received.
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