The difference between health insurance and health discount cards
A big number of scams have been going around in the US which is targeting those who have lost their health benefits. This situation is a window of opportunity for scammers to scam the people who need insurance but are not able to afford one.
Their appeal is by making you believe that you are getting at an extremely low price a decent healthcare insurance. And before you know it, you already owe a big amount of money to your doctor for a visit as you were mislead to have bought insurance when it was actually not.
A variety of many types of health services are covered by healthcare insurance. A deductible needs to be paid first, which costs you less than if you opt to pay for medical services yourself.
The cheapest health insurance is most available through your employer or in your workplace. The health insurance you obtain from your employer also provides total cost coverage of several services. Some plans, for example, cover the total cost of your visit to a doctor.
There are others that will charge a co-pay of about $10 to $25. That is still far lower than the cost that you would incur without health insurance.
There is usually a prescription plan with health insurance coverage as well. This covers a huge portion of medications, which is extremely high. Basically, health insurance pays the biggest portion of your medical bills.
Health discount cards, on the other hand, cover only a few of the many health related services. It gives nothing but a small fraction of the total cost as a discount.
The amount of the discount depends on the company you bought the discount card from, and the plan you bought. It’s only up to a certain amount which could be 10% or higher.
Make sure that these discount cards which can cost you a big amount of money will save you more than when you pay a whole bill. A brief stay in the hospital could mean thousands of dollars of bills in out of pocket. The 10% discount you get from using the card will not amount to anything when you put the high cost of health services in the equation.
Health care insurance is separated by many factors that make it very different from discount cards for health insurance. When you are offered a low cost health insurance, check again and see that you are paying for what you think is health insurance.
It is better to invest in health insurance as you can be certain that doing so will save you money. Discount cards, on the other hand, simply takes money out of your pocket.
Charles David Rogers is a competent writer who writes articles for Health Insurance Michigan. He has been writing for internet sites such as this to share his proficiency in health insurance with others.
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